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Updated Feb 01, 2025
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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best overall

Bankrate Score

Rating: 4.8 stars out of 5
4.8

Avg. annual premium

$1,140

$300K dwelling coverage

JD Power

737/1,000
Scores and Ratings
Bankrate Score 4.8
J.D. Power 737/1,000
AM Best Rating A++
Read full review
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Best for high-value homes

Bankrate Score

Rating: 4.6 stars out of 5
4.6

Avg. annual premium

$2,190

$300K dwelling coverage

JD Power

688/1,000
Scores and Ratings
Bankrate Score 4.6
J.D. Power 688/1,000
AM Best Rating A++
Read full review
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Best for homeowners on the FAIR Plan

Bankrate Score

Rating: 3.6 stars out of 5
3.6

Avg. annual premium

$841

$300K dwelling coverage

JD Power

586/1,000
Scores and Ratings
Bankrate Score 3.6
J.D. Power 586/1,000
AM Best Rating A
Read full review
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Best for AAA members

Bankrate Score

Rating: 4.2 stars out of 5
4.2

Avg. annual premium

$1,257

$300K dwelling coverage

JD Power

671/1,000
Scores and Ratings
Bankrate Score 4.2
J.D. Power 671/1,000
AM Best Rating A+
Read full review
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Bankrate logo

Bankrate's trusted insurance industry expertise

Read our full methodology

Bankrate takes a multi-pronged approach to selecting the best home insurance companies: We look at average rates from Quadrant Information Services (which we update monthly), third-party financial strength ratings, product availability, discount options, customer satisfaction scores and other metrics during our selection process.

46

years of industry experience

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

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Armed Forces
$65
$785
$70
$841
$95
$1,140
Auto Club
$105
$1,257
Armed Forces
$76
$785
$78
$841
$106
$1,140
Auto Club
$123
$1,257
$94
$1,126
Armed Forces
$97
$1,162
$130
$1,560
$151
$1,816
$143
$1,717
Armed Forces
$165
$1,984
$221
$2,654
$249
$2,987
Bankrate and Coverage Logo

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers.

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Armed Forces
$1,153
$1,218
$1,247
$1,099
$625
$1,243
$1,353
$1,363
$1,136
$671
$1,421
$1,441
$1,392
$1,264
$1,068
Auto Club
$1,338
$1,385
$1,362
$1,300
$1,126
$1,736
$1,671
$1,665
$1,583
$1,102
Armed Forces
$785
$677
$615
$791
$663
$538
$1,049
$1,049
$921
Auto Club
$1,208
$1,177
$1,112
$1,148
$1,070
$837

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5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
Written by
Natalie Todoroff
Writer, Insurance
Natalie Todoroff is an insurance writer and industry analyst for Bankrate. She is based in San Francisco and holds a personal lines insurance license.
Edited by Editor, Insurance