These Are the Top Homeowners Insurance Providers of 2025
Home insurance isn’t just about protecting the roof over your head; it’s about peace of mind when the unexpected happens. Whether you’re a homeowner or renter, the best policy balances affordability, reliable claims support, and simple digital tools that make coverage easy to manage.
We compared today’s top home insurance companies for cost, coverage, customer experience, and tech-friendliness to help you find one that actually delivers when you need it most.
| Company | Best For | Average Annual Premium | Claims Process | App & Digital Tools |
|---|---|---|---|---|
| Lemonade | Best digital experience: Fast claims, low premiums, and AI-powered app | ~$1,275 | Instant payouts via AI in select cases | 5★ | Clean, transparent, app-first experience |
| State Farm | Best local service: Strong coverage network and personal agents | ~$1,500 | Dedicated agents for claims guidance | 4★ | Mix of local service + digital access |
| Hippo | Best smart home coverage: Includes smart home discounts and monitoring | ~$1,350 | Quick online quote, 24/7 claim concierge | 4.5★ | Strong app and proactive alerts |
| Allstate | Best for bundles: Home + auto discounts with reliable service | ~$1,425 | Trusted adjuster network, solid support | 4★ | Well-designed portal and mobile app |
| Amica | Best for service: High customer satisfaction and dividend-paying options | ~$1,400 | Top-rated claim satisfaction (J.D. Power) | 4.5★ | Clean interface, responsive support |
Lemonade
Best digital experience: Fast claims, low premiums, AI-powered app
~$1,275 / year
State Farm
Best local service: Personal agents and strong coverage network
~$1,500 / year
Hippo
Best smart home coverage: Smart home discounts and monitoring
~$1,350 / year
Allstate
Best for bundles: Home + auto discounts, reliable service
~$1,425 / year
Amica
Best for service: High service ratings, dividend-paying options
~$1,400 / year
Editor’s Take: The best home insurance isn’t always simply about the lowest premium. It’s about who actually shows up when you file a claim. Lemonade’s app experience sets a new bar for simplicity, while Amica continues to prove that old-school service can still win in a digital world.
Choosing the right home insurance can make a big difference when disaster strikes. Companies like Lemonade and Hippo lead the pack in tech innovation, offering AI-powered claims and smart home integrations that can even prevent damage before it happens.
Traditional providers like State Farm and Amica remain strong contenders thanks to their proven claims handling and top-rated customer service. The best choice often depends on how much you value convenience, personal support, or long-term discounts.
Before buying, compare deductibles, coverage limits, and additional perks like equipment breakdown or identity theft protection. If you own multiple properties or vehicles, bundling your policies under one provider can save hundreds per year.
The Basically.co Verified Standard
All picks featured in this comparison were independently researched and meet the Basically.co Verified Standard for accuracy, transparency, and usability.