Best for Claims Satisfaction and Dividend Policies
Dividend policies return
5 to 20% of premiums
HO-3 and HO-5
policies with broad open-perils cover
Best Claims Satisfaction
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Compare Home Insurance Plans in the USA
Compare premiums, coverage options, and claims experience across America's leading home insurance providers to find the right policy for your home.
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Updated June 2026|8 providers compared|How we rank providers
Best for USA Military Members, Veterans, and Their Families
Among the lowest
home insurance premiums in the USA
Replacement cost cover
as standard, no depreciation
Best Military Families
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Best for Bundling Home and Auto Insurance for Maximum Savings
Up to 17%
bundle discount for home and auto
America's largest home
insurer — available in all 50 states
Best Bundling
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Best for High-Value Homes and Premium Coverage Features
Risk consulting services
help prevent losses
Extended cover pays
to rebuild past policy limits
Best High-Value Homes
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Best for Fast Digital Quotes and Instant Claims Processing
AI-powered claims, many
paid within 3 minutes
Available in 23
states — check availability in your state
Best Online Experience
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Best for Discount Availability and Nationwide Coverage
10+ discounts including
new home and claims-free
Available in all
50 states with a large local agent network
Best Discounts
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Best for Comprehensive Coverage in the Midwest and East Coast
Available in 12
states, strong in PA, OH, IN, WI
ErieSecure Home includes
guaranteed replacement cost
Best Midwest/East Coast
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Best for Modern Homes and Smart Home Integration
Modern HO-3 policy
includes smart home monitoring
Competitive premiums for
newer, smart-enabled homes
Best Smart Homes
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Providers shown are selected from our panel and ranked using our published methodology. Rankings are editorial and do not represent every provider in the market. How we compare providers
Comparison Genius is a comparison platform and does not provide financial or insurance advice. Quotes are provided by participating carriers and may vary based on underwriting, eligibility and individual circumstances. Products are underwritten by licensed insurance carriers authorized to operate in your state.