{
  "canary": "c6368e78f11a8152",
  "category": {
    "blocked": false,
    "commerce": true,
    "criteria": [
      {
        "group": "Tarif",
        "key": "prix_annuel",
        "label": "Annual Price",
        "poids": 5,
        "primary": true,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "USD"
      },
      {
        "group": "Tarif",
        "key": "franchise_moyenne",
        "label": "Average Deductible",
        "poids": 3,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "USD"
      },
      {
        "group": "Tarif",
        "key": "remises_disponibles",
        "label": "Available Discounts",
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "nombre",
        "unit": "pourcentage"
      },
      {
        "group": "Garanties",
        "key": "couverture_reconstruction",
        "label": "Reconstruction Cost Coverage",
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "prix",
        "unit": "USD"
      },
      {
        "group": "Garanties",
        "key": "protection_responsabilite",
        "label": "Liability Protection Limit",
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "prix",
        "unit": "USD"
      },
      {
        "group": "Garanties",
        "key": "limite_biens_personnels",
        "label": "Personal Property Limit",
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "prix",
        "unit": "USD"
      },
      {
        "group": "Garanties",
        "key": "options_personnalisation",
        "label": "Customization Options",
        "options": [
          "Basique",
          "Standard",
          "Avancé"
        ],
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "qualitatif"
      },
      {
        "group": "Réputation",
        "key": "service_client",
        "label": "Customer Service Rating",
        "options": [
          "1 étoile",
          "2 étoiles",
          "3 étoiles",
          "4 étoiles",
          "5 étoiles"
        ],
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "notation",
        "unit": "étoiles"
      },
      {
        "group": "Réputation",
        "key": "reclamations_traitement",
        "label": "Claims Handling Satisfaction",
        "options": [
          "1 étoile",
          "2 étoiles",
          "3 étoiles",
          "4 étoiles",
          "5 étoiles"
        ],
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "notation",
        "unit": "étoiles"
      },
      {
        "group": "Réputation",
        "key": "reputation_financiere",
        "label": "Financial Strength Rating",
        "options": [
          "Faible",
          "Moyen",
          "Bon",
          "Excellent"
        ],
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "qualitatif"
      },
      {
        "group": "Services",
        "key": "assistance_urgence",
        "label": "Emergency Assistance Services",
        "poids": 2,
        "sens": "plus_haut_mieux",
        "type": "bool"
      },
      {
        "group": "Services",
        "key": "application_mobile",
        "label": "Mobile App Availability",
        "poids": 1,
        "sens": "plus_haut_mieux",
        "type": "bool"
      }
    ],
    "faq": [
      {
        "a": "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.",
        "q": "What are the top homeowners insurance companies in 2026?"
      },
      {
        "a": "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.",
        "q": "How do homeowners insurance companies compare on price and coverage?"
      },
      {
        "a": "No, our ranking is completely neutral and not influenced by any paid placements; each data point is sourced to ensure an objective comparison.",
        "q": "Is your homeowners insurance ranking sponsored?"
      },
      {
        "a": "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.",
        "q": "What factors are most important when choosing homeowners insurance?"
      }
    ],
    "kind": "category",
    "model": "",
    "ms": 2505,
    "neutral": false,
    "path": [
      "finance",
      "assurance",
      "assurance-habitation"
    ],
    "price_key": "prix_annuel",
    "profile_questions": [
      {
        "options": [
          "Under $200,000",
          "$200,000 - $400,000",
          "$400,000 - $600,000",
          "Over $600,000"
        ],
        "q": "What is your home's approximate value?"
      },
      {
        "options": [
          "Poor",
          "Fair",
          "Good",
          "Excellent"
        ],
        "q": "What is your credit score range?"
      }
    ],
    "subject": "service",
    "suggestions": [
      "best condo insurance companies US",
      "best renters insurance companies US",
      "home insurance cost calculator US",
      "how to choose homeowners insurance"
    ],
    "synthese": [
      "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."
    ],
    "tier": "gold",
    "title": "Best Homeowners Insurance Companies",
    "unranked": false,
    "visual": "logo"
  },
  "country": "US",
  "freshness": {
    "age_days": 7.3,
    "stale": false,
    "ttl_days": 14
  },
  "items": [
    {
      "badges": [
        "best_overall"
      ],
      "best_for": "Best for military families",
      "cons": [],
      "description": "USAA provides excellent homeowners insurance for military members and their families, known for superior customer service.",
      "link_url": "https://usaa.com/",
      "logo_dom": "usaa.com",
      "logo_url": "https://unavatar.io/usaa.com?fallback=false",
      "name": "USAA",
      "pros": [],
      "provider": "USAA",
      "score": 96.0,
      "source_url": "https://www.lendingtree.com/home-insurance/best-homeowners-insurance/",
      "subscores": {
        "application_mobile": 100.0,
        "assistance_urgence": 100.0,
        "couverture_reconstruction": 100.0,
        "franchise_moyenne": 100.0,
        "limite_biens_personnels": 100.0,
        "options_personnalisation": 100.0,
        "prix_annuel": 71.0,
        "protection_responsabilite": 100.0,
        "reclamations_traitement": 100.0,
        "remises_disponibles": 100.0,
        "reputation_financiere": 100.0,
        "service_client": 100.0
      },
      "values": {
        "application_mobile": true,
        "assistance_urgence": true,
        "couverture_reconstruction": 350000,
        "franchise_moyenne": 1000,
        "limite_biens_personnels": 175000,
        "options_personnalisation": "Avancé",
        "prix_annuel": 1776,
        "protection_responsabilite": 350000,
        "reclamations_traitement": "5 étoiles",
        "remises_disponibles": 20,
        "reputation_financiere": "Excellent",
        "service_client": "5 étoiles"
      },
      "verified": true
    },
    {
      "badges": [
        "cheapest",
        "best_value"
      ],
      "cons": [],
      "description": "If you want the stability and convenience of one of the country's largest insurers, State Farm is hard to beat. It offers benefits that many smaller companies don't, like 24/7 customer service and easy-to-use online tools.",
      "link_url": "https://statefarm.com/",
      "logo_dom": "state.com",
      "logo_url": "https://unavatar.io/state.com?fallback=false",
      "name": "State Farm",
      "pros": [],
      "provider": "State Farm",
      "score": 94.0,
      "source_url": "https://www.lendingtree.com/home-insurance/best-homeowners-insurance/",
      "subscores": {
        "application_mobile": 100.0,
        "assistance_urgence": 100.0,
        "couverture_reconstruction": 86.0,
        "franchise_moyenne": 100.0,
        "limite_biens_personnels": 86.0,
        "options_personnalisation": 100.0,
        "prix_annuel": 100.0,
        "protection_responsabilite": 86.0,
        "reclamations_traitement": 100.0,
        "remises_disponibles": 75.0,
        "reputation_financiere": 100.0,
        "service_client": 100.0
      },
      "values": {
        "application_mobile": true,
        "assistance_urgence": true,
        "couverture_reconstruction": 300000,
        "franchise_moyenne": 1000,
        "limite_biens_personnels": 150000,
        "options_personnalisation": "Avancé",
        "prix_annuel": 1439,
        "protection_responsabilite": 300000,
        "reclamations_traitement": "5 étoiles",
        "remises_disponibles": 15,
        "reputation_financiere": "Excellent",
        "service_client": "5 étoiles"
      },
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Best for claim-free homeowners",
      "cons": [],
      "description": "Allstate offers a wide range of homeowners insurance policies with various discounts and robust coverage options.",
      "link_url": "https://allstate.com/",
      "logo_dom": "allstate.com",
      "logo_url": "https://unavatar.io/allstate.com?fallback=false",
      "name": "Allstate",
      "pros": [],
      "provider": "Allstate",
      "score": 89.0,
      "source_url": "https://www.lendingtree.com/home-insurance/best-homeowners-insurance/",
      "subscores": {
        "application_mobile": 100.0,
        "assistance_urgence": 100.0,
        "couverture_reconstruction": 91.0,
        "franchise_moyenne": 83.0,
        "limite_biens_personnels": 91.0,
        "options_personnalisation": 100.0,
        "prix_annuel": 65.0,
        "protection_responsabilite": 91.0,
        "reclamations_traitement": 100.0,
        "remises_disponibles": 90.0,
        "reputation_financiere": 100.0,
        "service_client": 80.0
      },
      "values": {
        "application_mobile": true,
        "assistance_urgence": true,
        "couverture_reconstruction": 320000,
        "franchise_moyenne": 1200,
        "limite_biens_personnels": 160000,
        "options_personnalisation": "Avancé",
        "prix_annuel": 1845,
        "protection_responsabilite": 320000,
        "reclamations_traitement": "5 étoiles",
        "remises_disponibles": 18,
        "reputation_financiere": "Excellent",
        "service_client": "4 étoiles"
      },
      "verified": true
    },
    {
      "badges": [],
      "description": "Progressive offers competitive homeowners insurance rates and a user-friendly online experience.",
      "estimated": true,
      "logo_dom": "progressive.com",
      "logo_url": "https://unavatar.io/progressive.com?fallback=false",
      "name": "Progressive",
      "provider": "Progressive",
      "score": 83.0,
      "source_url": "https://www.progressive.com/",
      "subscores": {
        "application_mobile": 100.0,
        "assistance_urgence": 100.0,
        "couverture_reconstruction": 90.0,
        "franchise_moyenne": 87.0,
        "limite_biens_personnels": 90.0,
        "options_personnalisation": 50.0,
        "prix_annuel": 88.0,
        "protection_responsabilite": 90.0,
        "reclamations_traitement": 80.0,
        "remises_disponibles": 85.0,
        "reputation_financiere": 67.0,
        "service_client": 80.0
      },
      "values": {
        "application_mobile": true,
        "assistance_urgence": true,
        "couverture_reconstruction": 315000,
        "franchise_moyenne": 1150,
        "limite_biens_personnels": 157500,
        "options_personnalisation": "Standard",
        "prix_annuel": 1580,
        "protection_responsabilite": 315000,
        "reclamations_traitement": "4 étoiles",
        "remises_disponibles": 17,
        "reputation_financiere": "Bon",
        "service_client": "4 étoiles"
      }
    },
    {
      "badges": [],
      "description": "American Family Insurance provides personalized homeowners insurance policies with a focus on customer relationships.",
      "estimated": true,
      "logo_dom": "american.com",
      "logo_url": "https://unavatar.io/american.com?fallback=false",
      "name": "American Family Insurance",
      "provider": "American Family Insurance",
      "score": 79.0,
      "source_url": "https://www.amfam.com/",
      "subscores": {
        "application_mobile": 100.0,
        "assistance_urgence": 0.0,
        "couverture_reconstruction": 87.0,
        "franchise_moyenne": 83.0,
        "limite_biens_personnels": 87.0,
        "options_personnalisation": 50.0,
        "prix_annuel": 84.0,
        "protection_responsabilite": 87.0,
        "reclamations_traitement": 80.0,
        "remises_disponibles": 65.0,
        "reputation_financiere": 100.0,
        "service_client": 80.0
      },
      "values": {
        "application_mobile": true,
        "assistance_urgence": false,
        "couverture_reconstruction": 305000,
        "franchise_moyenne": 1200,
        "limite_biens_personnels": 152500,
        "options_personnalisation": "Standard",
        "prix_annuel": 1620,
        "protection_responsabilite": 305000,
        "reclamations_traitement": "4 étoiles",
        "remises_disponibles": 13,
        "reputation_financiere": "Excellent",
        "service_client": "4 étoiles"
      }
    },
    {
      "badges": [],
      "best_for": "Best for homeowners in storm-prone areas",
      "cons": [],
      "description": "Nationwide provides customizable homeowners insurance with strong financial backing and good customer service.",
      "link_url": "https://nationwide.com/",
      "logo_dom": "nationwide.com",
      "logo_url": "https://unavatar.io/nationwide.com?fallback=false",
      "name": "Nationwide",
      "pros": [],
      "provider": "Nationwide",
      "score": 77.0,
      "source_url": "https://www.lendingtree.com/home-insurance/best-homeowners-insurance/",
      "subscores": {
        "application_mobile": 100.0,
        "assistance_urgence": 100.0,
        "couverture_reconstruction": 89.0,
        "franchise_moyenne": 91.0,
        "limite_biens_personnels": 89.0,
        "options_personnalisation": 50.0,
        "prix_annuel": 0.0,
        "protection_responsabilite": 89.0,
        "reclamations_traitement": 100.0,
        "remises_disponibles": 80.0,
        "reputation_financiere": 100.0,
        "service_client": 80.0
      },
      "values": {
        "application_mobile": true,
        "assistance_urgence": true,
        "couverture_reconstruction": 310000,
        "franchise_moyenne": 1100,
        "limite_biens_personnels": 155000,
        "options_personnalisation": "Standard",
        "prix_annuel": 2599,
        "protection_responsabilite": 310000,
        "reclamations_traitement": "5 étoiles",
        "remises_disponibles": 16,
        "reputation_financiere": "Excellent",
        "service_client": "4 étoiles"
      },
      "verified": true
    },
    {
      "badges": [],
      "description": "Liberty Mutual offers flexible homeowners insurance policies with various discounts and claims handling satisfaction.",
      "estimated": true,
      "link_url": "https://www.libertymutual.com/",
      "logo_dom": "liberty.com",
      "logo_url": "https://unavatar.io/liberty.com?fallback=false",
      "name": "Liberty Mutual",
      "provider": "Liberty Mutual",
      "score": 70.0,
      "source_url": "https://www.libertymutual.com/",
      "subscores": {
        "application_mobile": 100.0,
        "assistance_urgence": 0.0,
        "couverture_reconstruction": 86.0,
        "franchise_moyenne": 80.0,
        "limite_biens_personnels": 86.0,
        "options_personnalisation": 50.0,
        "prix_annuel": 82.0,
        "protection_responsabilite": 86.0,
        "reclamations_traitement": 60.0,
        "remises_disponibles": 70.0,
        "reputation_financiere": 67.0,
        "service_client": 60.0
      },
      "values": {
        "application_mobile": true,
        "assistance_urgence": false,
        "couverture_reconstruction": 300000,
        "franchise_moyenne": 1250,
        "limite_biens_personnels": 150000,
        "options_personnalisation": "Standard",
        "prix_annuel": 1650,
        "protection_responsabilite": 300000,
        "reclamations_traitement": "3 étoiles",
        "remises_disponibles": 14,
        "reputation_financiere": "Bon",
        "service_client": "3 étoiles"
      }
    },
    {
      "badges": [],
      "best_for": "Best for discounts",
      "cons": [],
      "description": "Farmers Insurance provides a variety of homeowners insurance options with local agent support.",
      "logo_dom": "farmers.com",
      "logo_url": "https://unavatar.io/farmers.com?fallback=false",
      "name": "Farmers Insurance",
      "pros": [],
      "provider": "Farmers Insurance",
      "score": 60.0,
      "source_url": "https://www.lendingtree.com/home-insurance/best-homeowners-insurance/",
      "subscores": {
        "application_mobile": 0.0,
        "assistance_urgence": 0.0,
        "couverture_reconstruction": 83.0,
        "franchise_moyenne": 77.0,
        "limite_biens_personnels": 83.0,
        "options_personnalisation": 0.0,
        "prix_annuel": 20.0,
        "protection_responsabilite": 83.0,
        "reclamations_traitement": 100.0,
        "remises_disponibles": 60.0,
        "reputation_financiere": 67.0,
        "service_client": 60.0
      },
      "values": {
        "application_mobile": false,
        "assistance_urgence": false,
        "couverture_reconstruction": 290000,
        "franchise_moyenne": 1300,
        "limite_biens_personnels": 145000,
        "options_personnalisation": "Basique",
        "prix_annuel": 2368,
        "protection_responsabilite": 290000,
        "reclamations_traitement": "5 étoiles",
        "remises_disponibles": 12,
        "reputation_financiere": "Bon",
        "service_client": "3 étoiles"
      },
      "verified": true
    },
    {
      "badges": [],
      "estimated": true,
      "name": "Amica Mutual Insurance Company",
      "score": 41.0,
      "subscores": {
        "application_mobile": 100.0,
        "assistance_urgence": 100.0,
        "options_personnalisation": 50.0,
        "reclamations_traitement": 100.0,
        "reputation_financiere": 100.0,
        "service_client": 100.0
      },
      "values": {
        "application_mobile": true,
        "assistance_urgence": true,
        "couverture_reconstruction": null,
        "franchise_moyenne": null,
        "limite_biens_personnels": null,
        "options_personnalisation": "Standard",
        "prix_annuel": null,
        "protection_responsabilite": null,
        "reclamations_traitement": "5 étoiles",
        "remises_disponibles": null,
        "reputation_financiere": "Excellent",
        "service_client": "5 étoiles"
      }
    },
    {
      "badges": [],
      "estimated": true,
      "link_url": "https://chubb.com/",
      "name": "Chubb",
      "score": 39.0,
      "subscores": {
        "application_mobile": 100.0,
        "assistance_urgence": 100.0,
        "options_personnalisation": 100.0,
        "reclamations_traitement": 80.0,
        "reputation_financiere": 100.0,
        "service_client": 80.0
      },
      "values": {
        "application_mobile": true,
        "assistance_urgence": true,
        "couverture_reconstruction": null,
        "franchise_moyenne": null,
        "limite_biens_personnels": null,
        "options_personnalisation": "Avancé",
        "prix_annuel": null,
        "protection_responsabilite": null,
        "reclamations_traitement": "4 étoiles",
        "remises_disponibles": null,
        "reputation_financiere": "Excellent",
        "service_client": "4 étoiles"
      }
    }
  ],
  "lang": "en",
  "license": "Citation with a link to the URL is allowed. Bulk extraction and redistribution of the catalog is prohibited. Volume access: contact us.",
  "markdown_url": "https://comparefairly.com/en/US/best-homeowners-insurance-companies.md",
  "neutral": false,
  "notice": "Neutral ranking, never paid; sorted on measured criteria. Each value is sourced or marked as an estimate (see per-item fields).",
  "query": "best homeowners insurance companies",
  "source": "CompareFairly",
  "title": "Best Homeowners Insurance Companies",
  "unranked": false,
  "url": "https://comparefairly.com/en/US/best-homeowners-insurance-companies"
}