The 5 homeowners insurance companies that customers rate the highest
If you're going to pay thousands of dollars every year on homeowners insurance, you want to make sure you're getting the best product possible
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When disaster strikes, you want to make sure your home is protected. But how are you supposed to know which home insurance company makes sense for you and your family?
Consumer Reports surveyed its members to identify the best ones, asking them to rate their insurance on price of premiums, service, policy clarity, coverage, and other factors.
Among the top five, no company scored more than a three out of five for the premium price. That’s no surprise. According to Bankrate, the average cost is now $2,424 per year for a home worth $300,000. And a study from the Department of Treasury found that home insurance increased approximately 8% faster than inflation between 2018 and 2022 — and it’s only risen since, including a 11.4% rise in 2024 alone.
Continue reading to see the top five companies recommended by Consumer Reports, even if they do come at a steep price.
1 / 5
NJM Insurance Group
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NJM excels in service quality with a perfect 5/5 rating and earns strong marks across most categories with consistent 4/5 scores in help & advice, policy clarity, coverage, policy review, website, and mobile app. However, the company's main weakness is its premium pricing, rated at just 3/5, although it’s the same score all the other companies on the list received in the category.
2 / 5
Erie Insurance Group
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Erie stands out with perfect 5/5 ratings in both service and coverage. The company maintains solid 4/5 scores across claims, help & advice, policy clarity, policy review, website, and mobile app. Like NJM, Erie's primary drawback is premium affordability, scoring only 3/5 in this category.
3 / 5
USAA Group
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USAA delivers excellent service with a 5/5 rating and maintains consistent 4/5 scores across most categories including help & advice, coverage, policy review, website, and mobile app. The company shows room for improvement in premiums and claims, both rated at 3/5. It’s also only available to service members and their families.
4 / 5
Acuity Insurance
Acuity offers balanced performance with solid 4/5 ratings in service, help & advice, coverage, website, and mobile app. The company faces challenges in three key areas: premiums, policy clarity, and policy review, all scoring 3/5.
5 / 5
Auto Club Enterprises Insurance Group
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Auto Club Enterprises, which is part of AAA, shows adequate performance with 4/5 ratings in service, policy clarity, coverage, mobile app, and website. However, the company received a 3/5 for affordability, claims handling, policy review, and help & advice.