01★ Best Choice
Lemonade
Review For Lemonade
★★★★★★★★★★
4,120 Reviews
Instant online quotes- AI claims in minutes
- Giveback to causes you choose
9.8
Exceptional
★★★★★★★★★★
Best Home Insurance Companies 2026
Compare, review and buy home insurance for 2026
02✓ Best Value
State Farm
Review For State Farm
★★★★★★★★★★
2,890 Reviews- Largest US home insurer
- Local agent support
- Bundle auto + home discounts
9.6
Exceptional
★★★★★★★★★★
03
Allstate
Review For Allstate
★★★★★★★★★★
2,140 Reviews- Claim RateGuard
- Multiple coverage add-ons
- Welcome & loyalty discounts
9.4
Excellent
★★★★★★★★★★
04
USAA
Review For USAA
★★★★★★★★★★
1,560 Reviews- Best for military & veterans
- Replacement-cost coverage
- Top claims satisfaction
9.1
Excellent
★★★★★★★★★★
05
Travelers
Review For Travelers
★★★★★★★★★★
1,080 Reviews- Green-home coverage options
- Multi-policy discounts
- Strong financial stability
8.8
Great
★★★★★★★★★★
06
Liberty Mutual
Review For Liberty Mutual
★★★★★★★★★★
760 Reviews- Customizable coverage
- New-home & claims-free discounts
- 24/7 claims support
8.5
Great
★★★★★★★★★★
Compare Featurestop picks
| Product | Lemonade 9.8 | State Farm 9.6 | Allstate 9.4 | USAA 9.1 | Travelers 8.8 |
|---|---|---|---|---|---|
| Highlights | Instant online quotes · AI claims in minutes · Giveback to causes you choose | Largest US home insurer · Local agent support · Bundle auto + home discounts | Claim RateGuard · Multiple coverage add-ons · Welcome & loyalty discounts | Best for military & veterans · Replacement-cost coverage · Top claims satisfaction | Green-home coverage options · Multi-policy discounts · Strong financial stability |
Our Rating System
Our reviews come from verified users–just like you!
The star ratings are based on the overall rating of each brand. Some reviews are provided via third party suppliers. We encourage you to write a review of your experiences with these brands.
Buying Guide
Our recommendation
Short on time? For most people, Lemonade is our #1 home insurance pick — it ranks highest overall on features, value and customer satisfaction. If you want the best value, State Farm is our runner-up and a smart choice for tighter budgets. Start with these two and you really can't go wrong.
How to choose the best home insurance
With so many home insurance options out there, the right choice comes down to four things: the features and coverage you actually get, the price, how dependable the provider is, and what real customers say. We weighed all four to build the ranking above, so you can shortlist in minutes instead of hours.
Our recommendation
For most people, Lemonade is our #1 pick — it scored highest overall on features, value and customer satisfaction, which is why it tops the list. If you care most about value for money, our Best Value runner-up State Farm is an excellent alternative and often the smarter pick for tighter budgets.
Our advice: start with the top two — Lemonade and State Farm — get a quote or trial from each using the links above, and go with whichever fits your needs and budget best. You really can't go wrong with either.
What to look for
- Features & coverage — make sure the essentials you need are actually included, not locked behind add-ons.
- Price & discounts — compare quotes and watch for bundle, loyalty or new-customer discounts.
- Support & claims — fast, fair, 24/7 help matters most exactly when you need it.
- Reputation — check ratings and verified reviews before you commit.
Every option on this list has been vetted by our team, so any of them is a safe choice — but the higher up the ranking, the more confident we are in recommending it.