The homeowner's insurance protects your house, your belongings and yourself from vandalism, fires and storms. It can also pay for your relocation costs if you can't live in your house after a covered loss. The policy you choose should protect you against all possible risks and be within your budget.
The Best Homeowners Insurance Companies
Many homeowners insurance companies are available on the market. It is difficult to know which one will be best for you. Fortunately, we've done the work for you and compiled a list of the top companies in a number of categories.
Best Auto and Home Insurance Company
The best homeowners insurance companies have a reputation for excellent customer service, a variety of endorsement options, and customizability. They also offer flexible payment schedules, deductible amounts and options to add or delete coverage from your policy.
Lemonade, no hassles starting at $25/month
This insurer is only available online. It uses artificial-intelligence to deliver fast quotes, and pay claims. Its online quote tool allows you to enter a few pieces of information about your home and receive a pricing estimate within minutes.
Lemonade prides itself on its mission-driven business approach, donating the unused portion at the year's end to certified charities. Lemonade Insurance is also the fastest-growing provider of insurance in the US, with a highly rated customer service team.
Chubb offers high-end coverage to homeowners with high net worth.
Chubb is an excellent choice for anyone with expensive property in high-risk locations or who has filed a claim before. It offers an unusual add-on coverage that sends a risk consultant to examine your home and give suggestions on how to reduce the chance of a claim.
USAA offers military and veteran specific coverage to active duty and retired military personnel and their families.
A reputable insurer with an excellent financial strength rating from AM Best, USAA offers several different policies to meet the needs of military members and their families. The company has excellent customer satisfaction ratings and is available in New York.
Nationwide: Above-average claim experience and customer satisfaction
Nationwide is rated as the second best company for New York home insurance. They are also ranked above industry averages in terms of customer satisfaction, claims performance, and overall quality. You can also save money on your insurance by using the discounts listed on its website.
State Farm - Flexible pricing, coverages and Customer Service
State Farm, a top-rated insurer in the US, offers homeowners some unique and special coverages. State Farm's mobile app and website are both easy to use and provide homeowners with helpful resources.
Liberty Mutual Home Insurance - Comprehensive and affordable home insurance, with a wide network of insurance providers.
Liberty Mutual, with an A+ rating from AM Best is a comprehensive and affordable home insurance provider. They have a wide network of reliable providers. This website has a tool that allows you to get a free quote and lists of discounts.