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What are the top home insurance companies?

Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella...

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Reviewed byDaniel Walker
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UPDATED: Mar 19, 2020

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top-companiesGetting a homeowners insurance policy from a top home insurance company might mean the difference between basic service and top notch service.

Though it is difficult to name top companies because company results vary from state to state, there are several top companies rated and named by J.D. Power and Associates. Their findings are based on overall performance nationwide so companies may make the list even if they do not have a presence in all 50 states.

Read on to learn all about the top homeowners insurance companies and then to find the best home insurers in your area just enter your zip code above to compare free insurance quotes!

The 3 Features of a Top Home Insurance Company

Top companies are not made over night. The insurance industry is a very competitive industry. There are hundreds of companies that home owners can choose from including local companies and national companies. In order to become and remain a top company, an insurance company needs three main features. These are some of the same criteria used by J.D. Power and Associates to find and rate top companies.

Feature #1: Customer Service

The first feature of a top company is customer service. The old adage, the customer is always right, isn’t far from the truth. Even though the customer isn’t always right, a company should do whatever they can to make that customer a satisfied customer.

top-insurance-companiesWith millions of dollars spent every year on insurance company advertising, the number one way that insurance companies get new customers is still by word of mouth. One satisfied customer often leads to another and one dis-satisfied customer can keep a company from gaining several potential customers.

Feature #2: Quick Claim Service

The second feature of a top company is quick claim service. When something happens to your home, it can be devastating. A fire, storm damage, or a break-in can cause you and your family to be displaced and the most important thing is getting back into your home as soon as possible.

Customers want an insurance company that takes claims seriously, assesses the claim quickly, and reports an outcome. While waiting for repairs, a top insurance company will also be sure the family is taken care of and needs are met.

Feature #3: Easy Access

The third feature of a top homeowners insurance company is easy access to the company when needed. An insurance company with 24 hour phone service, an easy to use website, as well as local offices, gives customers many options when a need arises.

You may not want to wait until Monday, if you have a question about your home insurance coverage on Friday night. Easy assess to both a website and actual people, is an important step in becoming a top company.

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3 Top Home Insurance Companies: Allstate, Amica & American National

When taking all of this into consideration, you can see that choosing a top company is a good option when looking for home insurance. A brief review of three top companies will give you some basic information.

Allstate

The first top rated company is Allstate. Allstate offers home insurance, condominium insurance, renters insurance, manufactured home insurance, and landlord insurance. They can also insure the personal property inside your home. Allstate has been in an insurance company since 1931 as part of Sears and became a totally independent company in 1995. Allstate fulfills all three top company requirements.

American National Insurance Company

insurance-companies-at-the-topAnother top rated insurance company is American National Insurance Company. They were awarded four out of five stars by J.D. Power and Associates for prices as they relate to service and product. American National Insurance Company is licensed to sell insurance in all 50 states, American Samoa, and Puerto Rico.

They serve over 5 million people and have been in existence for over 100 years. American National Insurance Company also meets all three top company requirements.

Amica

Another top rate company is Amica Insurance. They have been given J.D. Powers Highest in Customer Service Award for 8 consecutive years.

Amica offers coverage for condos, rentals, or homes. In additional to providing coverage of your home, a homeowners insurance policy from Amica will also provide protection of some of your personal items even when they are not in your home as well as worldwide liability protection. Amica fulfills the top three top company requirements as well.

Compare Many Different Home Insurers Online

Allstate, Amica, and American National Insurance Company are just a few of many top rated home insurance companies licensed in the United States.

To compare these companies with other top notch companies, you can use an online comparison tool. An online comparison tool will enable you to see all the information you need about rates, services, and customer service as well as receive quotes to compare.

Our free online comparison tool can save you time and money so you can find the top company that is right for you. Enter your ZIP for FREE home insurance rates now!

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