The goal of The Home Insurance Guide is to save consumers time and money by finding the best homeowners insurance company for them.

The Home Insurance Guide begins by analyzing the Nation’s most respected and reputable homeowners insurance companies. For good reason, if something catastrophic happens you want to be sure your insurance company has deep enough pockets to cover the loss. Additionally, reputable homeowners insurance companies over sufficient coverage and don’t offer products with risky gaps in coverage for the homeowner.

We then conduct interviews with a panel of home insurance agents, whose livelihood is to understand the homeowners insurance market, and ask them to rate the various companies along a number of important metrics, including pricing, service, and offering, among others.

As pricing is such an important factor, we conduct additional proprietary pricing research in major US metropolitan areas with the insurance companies to compare prices for similar properties and consumers. With the findings of our pricing research and surveys, we utilize a proprietary algorithm to weight the scores of the evaluation criteria to arrive at a ranking of which companies are the best homeowners insurance carriers for particular types of consumers. After all of this information has been compiled and synthesized we present our list of highest rated Homeowners insurance companies.

Our reviews are designed to easily compare top insurance carriers on the same values, so homeowners can quickly understand why a homeowners insurance company received the ranking it did. We provide a summary of the review from our research via our Full Review link. Click through on the Full Review to understand how we rated each of the carriers on an overall score as well as each of the most relevant topic areas like pricing. Our ratings summary and scoring allow consumers to easily compare one Homeowners insurance company to another, so they can best understand which company is the best for them based on the carrier ratings you most value.

Keep in mind that the homeowners insurance companies have elaborate and proprietary risk assessments that heavily impact how they price you as a consumer. Because of the complexity in assessing risk, there’s considerable variation across companies for the same individual. Therefore, we recommend getting several quotes from the highest rated homeowners insurance companies on our rankings. We have conducted considerable research to come up with a tailored list of best ranked homeowners insurance companies, but getting quote from the top rated companies is an important step to make sure that you are getting the best company for you, factoring in their specific price quote for you.