CompareFairlyBest Homeowners Insurance Companies 2026
Our pick : USAA (96/100) · Cheapest : State Farm · Best value : State Farm
In short
This comparison evaluates 10 home insurance policies based on 12 criteria, including annual price, average deductible, available discounts, reconstruction cost coverage, liability protection limit, and personal property limit. USAA ranks first with a score of 96/100, largely due to its perfect scores in mobile app availability and emergency assistance services, while State Farm follows closely at 94/100, excelling in annual price and offering the cheapest option. It's important to note that while 5 out of the 10 options have sourced data, the remaining values are estimates and are flagged as such. The facts in this summary are computed from the table below; only the wording is generated.
Comparison table
| Criterion | USAA | State Farm | Allstate | Progressive | American Family Insurance | Nationwide |
|---|---|---|---|---|---|---|
| Annual Price (USD) | 1776 | 1439 | 1845 | 1580 | 1620 | 2599 |
| Average Deductible (USD) | 1000 | 1000 | 1200 | 1150 | 1200 | 1100 |
| Available Discounts (pourcentage) | 20 | 15 | 18 | 17 | 13 | 16 |
| Reconstruction Cost Coverage (USD) | 350000 | 300000 | 320000 | 315000 | 305000 | 310000 |
| Liability Protection Limit (USD) | 350000 | 300000 | 320000 | 315000 | 305000 | 310000 |
| Personal Property Limit (USD) | 175000 | 150000 | 160000 | 157500 | 152500 | 155000 |
| Customization Options | Avancé | Avancé | Avancé | Standard | Standard | Standard |
| Customer Service Rating (étoiles) | 5 étoiles | 5 étoiles | 4 étoiles | 4 étoiles | 4 étoiles | 4 étoiles |
| Claims Handling Satisfaction (étoiles) | 5 étoiles | 5 étoiles | 5 étoiles | 4 étoiles | 4 étoiles | 5 étoiles |
| Financial Strength Rating | Excellent | Excellent | Excellent | Bon | Excellent | Excellent |
| Emergency Assistance Services | ✓ | ✓ | ✓ | ✓ | — | ✓ |
| Mobile App Availability | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
Frequently asked questions
What are the top homeowners insurance companies in 2026?
In 2026, USAA leads our comparison with a score of 96/100, followed closely by State Farm, based on comprehensive criteria like price, coverage, and discounts.
How do homeowners insurance companies compare on price and coverage?
We compare companies on factors including annual price, deductible amounts, and limits for liability and personal property coverage, alongside reconstruction cost coverage and available discounts.
Is your homeowners insurance ranking sponsored?
No, our ranking is completely neutral and not influenced by any paid placements; each data point is sourced to ensure an objective comparison.
What factors are most important when choosing homeowners insurance?
Key factors to consider include annual price, average deductible, the availability of discounts, the extent of reconstruction cost coverage, liability protection limits, and personal property limits.
Methodology and transparency
Ranking: options are sorted on measured, sourced criteria. No position is ever sold, and no advertiser pays to appear here.
Scope: this comparison is not exhaustive. It presents the options our sources document, not every offer on the market.
Earnings: some outbound links may be affiliate links that earn us a commission. This never affects the ranking, the scores or the data.
Data: every value is linked to its source and refreshed automatically; the collection date is shown.