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7 Best Homeowners Insurance Plans Compared (April 2025)

We have helped 1,000s of people select the ideal homeowners insurance policy for their homes. Our objectively ranked comparison table is trusted by homeowners, landlords, property managers, home owner associations, real estate agents, and many more.

renters insurance
lemonade
lemonade trustpilot

 PRICE FOR
$450,000
DWELLING

$119/mo

PERSONAL
PROPERTY
COVERAGE

$150,000

PERSONAL
LIABILITY
COVERAGE

$500,000

  • Lemonade has the best all-around homeowners insurance policy at the most affordable rates. Accepted by all major lenders and trusted by 2M+ customers
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
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 PRICE FOR
$450,000
DWELLING

$215/mo

PERSONAL
PROPERTY
COVERAGE

$150,000

PERSONAL
LIABILITY
COVERAGE

$500,000

  • State Farm homeowners insurance covers the cost to repair or replace your home for covered reasons
  • They are the largest insurance company for property and casualty insurance in the US with a network of 19,000 agents nationally
  • Founded in 1922 and underwritten by State Farm Fire and Casualty Company
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 PRICE FOR
$450,000
DWELLING

$160/mo

PERSONAL
PROPERTY
COVERAGE

$150,000

PERSONAL
LIABILITY
COVERAGE

$500,000

  • USAA homeowners insurance is unique in several ways, particularly due to its focus on serving military members and their families
  • They don’t cover water damage or mold that’s happened slowly over time or the result of flooding
  • Founded in 1922 and underwritten by United Services Automobile Association (USAA)
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 PRICE FOR
$450,000
DWELLING

$256/mo

PERSONAL
PROPERTY
COVERAGE

$150,000

PERSONAL
LIABILITY
COVERAGE

$500,000

  • Allstate offers a money-back guarantee if you are not satisfied with the claims process
  • They have a large network of agents, providing personalized service and local support
  • Founded in 1931 and underwritten by Allstate Fire and Casualty Insurance Company
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travelers logo

 PRICE FOR
$450,000
DWELLING

$291/mo

PERSONAL
PROPERTY
COVERAGE

$150,000

PERSONAL
LIABILITY
COVERAGE

$500,000

  • Travelers homeowners insurance can cover the structure of your home, personal belongings, limited valuable items, and liability
  • Travelers offer umbrella coverage to protect you even if you exceed the limits of your base home or car insurance policy
  • Founded in 1864 and underwritten by Travelers Property Casualty Company of America
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farmers insurance logo

 PRICE FOR
$450,000
DWELLING

$318/mo

PERSONAL
PROPERTY
COVERAGE

$150,000

PERSONAL
LIABILITY
COVERAGE

$500,000

  • Farmers insurance is the third largest home insurer in the country
  • They offer bundling discounts and if you add-on safety features you can lower your premium
  • Founded in 1928 and underwritten by Farmers Insurance Exchange
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progressive insurance logo

 PRICE FOR
$450,000
DWELLING

$319/mo

PERSONAL
PROPERTY
COVERAGE

$150,000

PERSONAL
LIABILITY
COVERAGE

$500,000

  • Bundle homeowners insurance and save an average of 3% on auto insurance
  • Progressive covers your belongings whether they’re in your home, backseat, or storage locker
  • Founded in 1937 and underwritten by Progressive Casualty Insurance Company
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lemonade
lemonade trustpilot

 PRICE FOR
$450,000
DWELLING

$119/mo

PERSONAL
PROPERTY
COVERAGE

$150,000

PERSONAL
LIABILITY
COVERAGE

$500,000

  • Lemonade has the best all-around homeowners insurance policy at the most affordable rates. Accepted by all major lenders and trusted by 2M+ customers
  • Their user experience is world-class and it’s easy to get support from their award-winning customer service team
  • Founded in 2015 as a certified B Corp, Lemonade donates unclaimed premium dollars to nonprofit organizations selected by policyholders
SEE PLANS➜

Ranking Methodology

We ranked more than 7 of the best homeowners insurance policies based on a variety of important factors including the following:

  • National average monthly premium price for $450,000 dwelling coverage, $150,000 in personal property coverage, $500,000 personal liability coverage for a primary home built in 2016. The homeowners are a couple aged 40 years old with a good credit score and clean claim history. The deductible is $1,000.
  • Coverage and benefits
  • AM Best rating of the underwriter
  • Key policy details including claims satisfaction, user experience of app (if applicable), and flexibility of coverage as well as other factors
  • Ease of sign up
  • Policy language clarity
  • User reviews