What Are the Best Homeowner Insurance Companies?


Quick Answer

The best homeowner insurance companies as of 2014 are Pacific Specialty, Alfa, Nationwide, Citizens Property Insurance Corporation and Farmers Insurance Group, according to a report by Consumer Affairs. USAA, State Farm, Allstate, Travelers and American Family Insurance round out the Top 10 list.

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Full Answer

While most companies have a 24-hour claims assistance line, Pacific and Alfa received high marks for their wide variety of insurance plans, their security system discounts and their personal property replacement programs; however, only Alfa had annual premiums of more than $1,000 compared to the other groups, which were able to offer under $1,000.

The companies were rated based on customer service, value and financial strength, measuring how long a company is expected to stay in business and pay claims. Insurance providers were also rated on how effectively they handled filing, processing, adjustments and payment of claims.

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