5 Best Home Insurance Companies (2025)

Insurify’s team of data scientists analyzed millions of home insurance quotes and weighed publicly available reviews, claims payout rates, complaint indexes, financial strength scores, company reputations, and proprietary quoting data. Our editorial team applies this insight to inform our unbiased reviews and recommendations.

When you apply for home insurance (and even to get an accurate quote), you’ll need to know some detailed information about your home. Questions may include:

• What is the type, architectural style, and square footage of your home?

• What year was your home built?

• How many stories does your home have?

• What type of foundation or basement does your home have?

• What is the roof shape and primary roof material?

• Do you have dogs, farm animals, or exotic pets?

• Is your home in a flood zone?

• Does your home have a garage or carport?

• Do you have a trampoline or swimming pool on your property?

• What are the primary exterior and interior materials?

• Does your home have a fireplace?

• How is the home primarily heated? Does it have central air conditioning?

You may also need to provide your credit history, home insurance claims history, and personal details like your marital status. To accurately determine rates, insurers need to assess your risk level as well as the risk and vulnerability of the home.

Ideally, you’ll have enough home insurance to cover rebuilding your home and replacing your belongings after a total loss. Your mortgage lender will require a minimum amount of dwelling coverage. Another way to determine your dwelling coverage is to multiply the square footage of your home by the average local building costs per square foot.

For example, if a single-family home is 2,300 square feet and local construction costs are $162 per square foot, the dwelling coverage would be around $373,000. Materials and costs vary though, so ask around and check with local contractors to get a local estimate.

Creating a home inventory will help you figure out how much personal property coverage you need. Even if you can’t get to every little thing, be sure to log bigger items, like appliances and TVs.

Here’s a look at the typical minimum home insurance coverage requirements and what the best coverage might look like.

Coverage Type	Minimum Coverage	Decent Coverage	Best Coverage
Dwelling (Coverage A)	Your mortgage lender’s minimum requirements	Enough coverage to rebuild or repair your home to its original condition, based on current costs of construction materials and labor in your area	Extended replacement cost to rebuild your home to its original condition at current market rates
Other structures (Coverage B)	Your mortgage lender’s minimum requirements	Enough coverage to rebuild or repair your other structures, such as detached garages, swimming pools, sheds, and gazebos, to their original condition	Extended replacement cost to rebuild any structures to their original condition at current market rates
Personal property (Coverage C)	50%–70% of your dwelling coverage limit	Enough to replace important personal belongings	Enough to cover your full home inventory
Loss of use (Coverage D)	Your mortgage lender’s minimum requirements	Enough to temporarily house and feed your family comfortably	Enough to house and feed your family comfortably for an extended period
Liability (Coverage E)	$100,000	$300,000–$500,000	An excess liability or umbrella policy for personal liability protection above the liability limit in a standard homeowners policy

An insurance deductible is the amount you have to pay out of pocket when you file a claim.^[?] While deductibles vary, $500 and $1,000 are common choices. Some insurers also have deductibles that are a percentage of the total policy amount. And, depending on where you live, you might have a separate deductible for damage from windstorms and hail.

For example, if you have a $500 deductible and submit a claim worth $10,000, your insurer will pay you $9,500, and you’ll pay $500 toward the claim.

Higher deductibles typically mean a less expensive insurance rate. But that means you’ll have to pay more out of pocket if you have to file a claim. Consider your budget and cash flow to decide what’s best for you.

Once you have details about your home, a good idea of your coverage needs, and an ideal deductible in mind, you’re ready to shop around and compare quotes. Consider optional coverages, available discounts, and unique policy features as you compare different insurance companies.

You can do this in a few ways, including:

• Using an online quote-comparison platform: A quote-comparison tool like Insurify can help you quickly compare quotes from multiple companies so you only have to enter all that information once.

• Talking to an insurance agent: Odds are, you have some local insurance agencies that could help you through this process. Many agents represent more than one insurer, so they can also help you compare policies.

• Reaching out directly to insurers: You can get a quote online on an insurer’s website or call to speak with an agent. You’ll probably get a pretty accurate quote this way, but make sure to shop around before settling on an insurer.

Once you’ve settled on the right insurer, it’s time to purchase your home insurance policy. Be sure to read through your policy carefully. Confirm details like:

• Policy period: The start and end date of your policy (typically one year)

• Deductible: What you pay out of pocket when you have a claim

• Coverage limits: How much coverage you have for each standard type of home insurance coverage

• Endorsements: The official term for policy add-ons or “riders” that change or provide extra coverage

• Exclusions: Could be perils, like certain natural disasters, causes of loss, or property your insurer excludes from home insurance policies

Store documents in a safe place. If the insurer has a user-friendly app, you can download that so your documents are easily accessible.