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All Home Providers (16)
🏠 House Masters
★ 4.8/5.0
$37 - $176
Coverage Types:
Deductible: $500-$2500
Key Features:
- ✓ Local agents
- ✓ Bundle discounts
- ✓ Claim assistance
PROS
- • Name recognition overlap with HouseMaster Home Inspections (founded 1979), a brand familiar to many homebuyers from the real-estate transaction process
- • If sold as a branded/affinity product through a home-inspection or real-estate partner, policies are typically underwritten by a licensed A-rated insurer standing behind the coverage
CONS
- • No publicly verifiable AM Best financial strength rating or NAIC company code for a carrier operating under the name 'House Masters' in home insurance
- • No J.D. Power home insurance study ranking or state market-share data has been published for this name, making independent quality comparison difficult
🏠 North Star
★ 4.7/5.0
$115 - $294
Coverage Types:
Deductible: $500-$2500
Key Features:
- ✓ Local agents
- ✓ Bundle discounts
- ✓ Claim assistance
PROS
- • Long-standing regional mutual insurer (founded 1920) with AM Best 'A' (Excellent) Financial Strength Rating, indicating stable claims-paying ability
- • Specializes in rural, small-town, and farm-adjacent risks that national carriers often decline or surcharge — including farm-and-ranch endorsements and outbuildings coverage
CONS
- • Very limited geographic footprint — writes home insurance in roughly 8 Upper Midwest/Plains states (MN, IA, SD, ND, NE, WI, and a few neighbors); unavailable to most of the U.S.
- • No direct online quoting or self-service app for homeowners — quotes and most service interactions must go through an independent agent
🏠 Amica
★ 4.6/5.0
$100 - $272
Coverage Types:
Deductible: $500-$2500
Key Features:
- ✓ Local agents
- ✓ Bundle discounts
- ✓ Claim assistance
PROS
- • Dividend policy option returns 5-20% of annual premium back to policyholders — a feature very few national home insurers offer
- • Consistently top-ranked in J.D. Power U.S. Home Insurance Study for customer satisfaction, often #1 or top 3 across recent years
CONS
- • Premiums tend to run higher than mass-market carriers like State Farm, Allstate, or GEICO — Amica competes on service, not price
- • Limited local agent footprint compared to State Farm or Allstate; most interactions are phone/online through regional offices
🏠 Allstate
★ 4.5/5.0
$97 - $178
Coverage Types:
Deductible: $500-$2500
Key Features:
- ✓ Local agents
- ✓ Bundle discounts
- ✓ Claim assistance
PROS
- • AM Best A+ (Superior) financial strength rating with nearly a century of operating history (founded 1931)
- • Large network of local captive agents in all 50 states, useful for customers who prefer in-person policy reviews rather than online-only servicing
CONS
- • Allstate has pulled back from writing new homeowners policies in California in recent years, citing wildfire risk and rising reinsurance costs (announced 2022-2023)
- • Pricing tends to run higher than direct-to-consumer competitors like Geico-underwritten or Lemonade home policies, since the captive-agent model carries higher distribution costs
🏠 Travelers
★ 4.5/5.0
$66 - $216
Coverage Types:
Deductible: $500-$2500
Key Features:
- ✓ Local agents
- ✓ Bundle discounts
- ✓ Claim assistance
PROS
- • AM Best A++ (Superior) financial strength rating, one of only a handful of major home insurers at the highest tier
- • Green Home discount available — offers premium credits for LEED-certified homes, a niche feature most competitors do not offer
CONS
- • J.D. Power Home Insurance Studies in recent years have generally placed Travelers around or slightly below industry average for overall customer satisfaction, behind regional leaders like Erie and Amica
- • No coverage available in Hawaii for personal home insurance (limited footprint in some Western states)
🏠 Homeowners Select
★ 4.4/5.0
$52 - $169
Coverage Types:
Deductible: $500-$2500
Key Features:
- ✓ Local agents
- ✓ Bundle discounts
- ✓ Claim assistance
PROS
- • Positioned as a packaged HO-3 program for owner-occupied single-family homes, which can simplify quoting for standard risks that fit the program's box
- • Distributed primarily through independent agents, giving buyers access to a local agent rather than a call-center-only experience
CONS
- • Not a nationally rated standalone carrier in J.D. Power, AM Best, or NAIC complaint-index tables under the 'Homeowners Select' name — buyers cannot easily benchmark its claims service or financial strength
- • Because the underwriting carrier behind the program can vary by state and year, the AM Best rating and policy form a customer actually receives may differ from what marketing materials imply
🏠 The Hartford
★ 4.3/5.0
$49 - $279
Coverage Types:
Deductible: $500-$2500
Key Features:
- ✓ Local agents
- ✓ Bundle discounts
- ✓ Claim assistance
PROS
- • Trusted coverage
- • Strong reputation
CONS
- • Premium pricing
- • Limited coverage
🏠 State Farm
★ 4.2/5.0
$99 - $243
Coverage Types:
Deductible: $500-$2500
Key Features:
- ✓ Local agents
- ✓ Bundle discounts
- ✓ Claim assistance
PROS
- • Trusted coverage
- • Strong reputation
CONS
- • Premium pricing
- • Limited coverage
🏠 Liberty Mutual
★ 4.2/5.0
$91 - $319
Coverage Types:
Deductible: $500-$2500
Key Features:
- ✓ Local agents
- ✓ Bundle discounts
- ✓ Claim assistance
PROS
- • Trusted coverage
- • Strong reputation
CONS
- • Premium pricing
- • Limited coverage
🏠 Nationwide
★ 4.1/5.0
$114 - $187
Coverage Types:
Deductible: $500-$2500
Key Features:
- ✓ Local agents
- ✓ Bundle discounts
- ✓ Claim assistance
PROS
- • Trusted coverage
- • Strong reputation
CONS
- • Premium pricing
- • Limited coverage
🏠 Western Select
★ 4.1/5.0
$22 - $307
Coverage Types:
Deductible: $500-$2500
Key Features:
- ✓ Local agents
- ✓ Bundle discounts
- ✓ Claim assistance
PROS
- • Trusted coverage
- • Strong reputation
CONS
- • Premium pricing
- • Limited coverage
🏠 Chubb
★ 4/5.0
$111 - $326
Coverage Types:
Deductible: $500-$2500
Key Features:
- ✓ Local agents
- ✓ Bundle discounts
- ✓ Claim assistance
PROS
- • Trusted coverage
- • Strong reputation
CONS
- • Premium pricing
- • Limited coverage
🏠 USAA
★ 3.9/5.0
$66 - $261
Coverage Types:
Deductible: $500-$2500
Key Features:
- ✓ Local agents
- ✓ Bundle discounts
- ✓ Claim assistance
PROS
- • Trusted coverage
- • Strong reputation
CONS
- • Premium pricing
- • Limited coverage
🏠 Safeco
★ 3.9/5.0
$44 - $244
Coverage Types:
Deductible: $500-$2500
Key Features:
- ✓ Local agents
- ✓ Bundle discounts
- ✓ Claim assistance
PROS
- • Trusted coverage
- • Strong reputation
CONS
- • Premium pricing
- • Limited coverage
🏠 Erie Insurance
★ 3.8/5.0
$20 - $163
Coverage Types:
Deductible: $500-$2500
Key Features:
- ✓ Local agents
- ✓ Bundle discounts
- ✓ Claim assistance
PROS
- • Trusted coverage
- • Strong reputation
CONS
- • Premium pricing
- • Limited coverage
🏠 Auto-Owners
★ 3.8/5.0
$89 - $226
Coverage Types:
Deductible: $500-$2500
Key Features:
- ✓ Local agents
- ✓ Bundle discounts
- ✓ Claim assistance
PROS
- • Trusted coverage
- • Strong reputation
CONS
- • Premium pricing
- • Limited coverage
How to Choose
- • Compare quotes from multiple providers
- • Review coverage types and deductibles
- • Check customer ratings and reviews
- • Look for available discounts
- • Verify policy terms and conditions
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