If you are a homeowner then it is crucial for you to have all the knowledge about home insurance. Home insurance gives full protect to your home, depending on which package or plan you have choose. Choosing the right policy is going to be the most significant investment of your life. There are many companies in the US offers good and reliable home insurance plans. So, let’s get straight for what you have visited our website.
#1 USAA
#2 Amica
#3 Allstate
#4 Auto-Owners
#5 State Farm
#1 USAA
USAA is on the top of the list because it has all the good qualities, which an individual seeks. It is on the top because of its good customer satisfaction rate, best pricing, 24/7 customer support facility, and more. USAA provides insurance to military person, former members and their family members. USAA home insurance policies also offers military-specific coverage, including coverage for active duty members’ uniforms and equipment.
Rating: 4.9
Pricing: $193/Month
(Price and ratings may vary)
Pros
- Coverage and replacement cost is standard
- Coverage for identity theft is also standard
Cons
- Restricted to only USAA members
- Coverage options are limited as compared to other companies in the market
Click here to visit the official website
#2 Amica
Amica is well-known for its cheapest plans for home insurance, with an average monthly cost of $146 for $300,000 in dwelling and $100,000 in coverage for liability. Amica has two different types of homeowner insurance policies: Standard and platinum home choice plan. The platinum choice plan has everything which standard plan includes already. The additional things which a platinum plan includes are water backup, replacement for personal belongings, and extended coverage for computers and business properties.
Rating: 4.8
Pricing: $146.20/Month
(Price and ratings may vary)
Pros
- Standard and platinum choices for plans are available
- Dividends paying policies are also available
Cons
- Unavailable in Alaska and Hawaii
- Dividend policy is unavailable in every state
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#3 Allstate
Allstate offers numerous add-ons for standard policy. After purchasing the plan you will be eligible for getting extras like coverage for water backup and other valuable items, that’s not all you will also get protection for less common things like home sharing or switching to more energy saving items after covered loss. The Allstate policy is available in 49 states and washington, D.C.
Rating: 4.7
Pricing: $184/Month
(Price and ratings may vary)
Pros
- Home sharing coverage are available
- Number of policy add-ons are also available
Cons
- Not available on online platform
- Does not offers it policies in California
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#4 Auto-Owners
The Auto-owners insurance offers a huge range of home insurance, some of which can be included in the homeowners plus package. There are some endorsement which includes water backup and replacement cost for your property. It also provides protection for inland flooding, which is a NFIP, which give flood coverage for low and moderate flood zones. The company is well-known for its number of discounts on almost the plans.
Rating: 4.7
Pricing: $184.07/Month
(Price and ratings may vary)
Pros
- Best customer service
- Cheapest plans as compared to other companies
Cons
- Limited to only 26 sates
- Not available on online platform
Click here to visit the official website
#5 State Farm
The state farm is spreaded all over the country and is well-known for its high customer satisfaction rates. The policy provides various options to improve your coverage, like protection for identity theft, coverage for home electronic systems and service lines. Moreover you will get more coverage limit for business property and personal items. Overall it is worth its pricing and will make it easier for you buy it.
Rating: 4.5
Pricing: $170/Month
(Price and ratings may vary)
Pros
- Huge range in coverage options
- Huge network of agents across the country
Cons
- Unavailable in California and Massachusetts
- Less discounts are offered compared to other insurance companies
- Compulsory to purchase policy through an agent
Click here to visit the official website
Conclusion
It might be difficult for you to choose the right home insurance plan for yourself. But still we have tried our best by creating a dedicated list of the best home insurance companies of the US. All the companies are good and according to our research the customer satisfaction rate of all the companies are great. You can choose any company and plan according to your need and budget.
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