Protecting your greatest investment is important. You want to ensure that your homeowners insurance offers the right mix of coverage with reliable customer service, at an affordable price. Here are some of the best ones.
Nationwide: Nationwide offers ordinance or law insurance in its standard homeowners policy. Nationwide is also known for its great customer service.
Hippo: Hippo focuses on technology and user experience. It offers extras like a smart home monitoring system and home maintenance advisor virtual connections. They also offer discounts on home safety.
Chubb: Chubb offers coverage aimed at expensive homeowners and well-to-do clients. It offers atypical services like HomeScan that reveal issues that need to be fixed before they cause real damage and offer extended replacement costs for dwelling and replacement value for belongings as standard.
Travelers: Travelers rewards the use of environmentally friendly construction materials while rebuilding after a covered claim with its Green Home Coverage. You also get a discount if your home is certified “green” by LEED.
State Farm: State Farm offers an increased dwelling limit at no extra cost. It extends replacement cost coverage up to 20% as long as your home is insured to its estimated replacement cost. It also ranks high in customer satisfaction.
Auto-Owners: Auto-Owners’ Homeowners Plus Package bundles coverage for property damage caused by appliance leaks and food spoilage from power failures with standard homeowners insurance. It also offers unique discounts.
Amica: Amica has won the Property Claims Satisfaction Study for nine consecutive years. Its Home Repair Assistance Program pairs you with licensed and insured contractors in case of a covered claim. You also get several discounts.
NJM: It’s only available in a few states, but if you live there, you can easily manage your claims process with NJM’s streamlined online experience. It also offers discounts for seniors and nonsmokers.
Farmers: Farmers Smart Plan Home policies won’t increase your premium after a claim if you’ve been claim-free with them for five years or more. It also reduces your deductibles and replaces damaged parts in your home.
Erie: Erie stands out because it offers coverage for theft and loss of your belongings. You get guaranteed replacement cost coverage that pays all repair costs or replaces your home.