U.S. News & World Report publishes independent reports to empower consumers making important decisions about their lives. We analyzed major home insurance companies in the U.S., focusing on what matters most to consumers: price, claim handling, coverage, discounts and customer service. Here’s a breakdown of our process.
We Chose the Providers You Care About
We identified 27 insurance companies in the U.S. through our in-depth online research on the topic. From there, we narrowed our focus by state availability and complaint data from the National Association of Insurance Commissioners, a regulatory support organization that provides a database of consumer complaints. We also examined online consumer search volume. This reduced the number of companies in our rating analysis to 10.
We Collected Data Across Key Metrics
We collected 16,302 data points across five key metrics to get a complete picture of each provider’s performance.
- We Compared Price (40% of U.S. News Rating). We collected pricing data via Quadrant Information Services, which uses carrier data as well as publicly available filings to get rates. We then aggregated pricing data for different applicant profiles including applicant age, credit score, coverage levels, deductibles and more*. With our consumer satisfaction survey, we also examined how policyholders perceive the value of their provider’s home insurance relative to the price.
- We Examined Claim Handling (25% of U.S. News Rating). We conducted a survey in July 2025 of 1,002 customers to assess their satisfaction with how their insurance company resolved their claims.
- We Reviewed Coverage Range (15% of U.S. News Rating). We collected details about insurance coverage from company websites, such as coverage options for flood insurance, earthquake insurance, identity theft protection and water backup coverage.
- We Reviewed Discounts (10% of U.S. News Rating). We also collected details about insurance discounts, such as bundling, claim-free history and loyalty discounts.
- We Examined Customer Service (10% of U.S. News Rating). Our consumer survey also examined customer service satisfaction on a range of topics, including ease of contacting customer service and ease of filing a claim.
We Aggregated the Data to Create U.S. News Rating
We combined these key metrics to create our U.S. News Rating on a 5-point scale. The U.S. News Rating for each insurance company allows us to make service comparisons. These ratings are periodically updated based on the latest information we collect from Quadrant Information Services, customer surveys and online sources.
Footnote: * Our applicant profiles for quadrant data include:
56-year-old married applicant, 38-year-old married applicant; 720 FICO credit score; a 3-person family living in a wood frame house; median home age for each state, 1-year old home age, 20-year old home age; $1000 deductible, $2500 deductible; Dwelling coverage from $300,000 to $800,000; Liability coverage from $100,000 to $300,000