Ratings Methodology
TheHomeInsuranceGuide.com has conducted pricing research in the top metropolitan areas with the major home insurance carriers. In addition, we've conducted interviews with agents to gather opinions on pricing by the major carriers. The comments and ordering of our best pricing reviews is the product of this proprietary research. That said, home insurance pricing can vary greatly and we recommend you get multiple quotes from different highly rated carriers.
Pricing Ratings
Pricing Ratings Highlights
Progressive
Progressive continues to impress when it comes to pricing. Their rates were the lowest or second lowest in all markets reviewed in our research. Our recommendation is to always obtain a quote from Progressive.
Branch Home Insurance
Regarding cost, we found Branch typically offers low-to-average rates. Given the quality of their product, we consider their pricing to be more than fair.
Liberty Mutual
Liberty Mutual is typically known for having higher levels of service over rock bottom prices. In our pricing research, Liberty's prices varied by the particular locale. In some regions they have near the best pricing, whereas in other regions it is not as competitive. As a general matter, Liberty provides competitive pricing particularly for a large service-oriented company.
Young Alfred
Young Alfred provides pricing options from multiple companies, including some of the large brands, to find the best value for you.
Esurance
In our pricing research, we found Esurance to consistently have some of the better prices across many different regions.
HiRoad - Renters
Unlike their auto insurance policies, which offer variable monthly rates, renters through HiRoad comes at a fixed price for a 12-month contract. Customers generally agree that their renters policies are reasonably priced, particular when bundled with auto insurance.
Kin
Kin tends to operate in markets that the large insurance carriers shy away from or don't aggressively price their products in. In our research, Kin's quotes were much lower than the large brands. Also, they have a very streamlined process to get a quote, so if Kin's available in your area, be sure to get a quote.
Travelers
Travelers is typically known for having higher levels of service over rock bottom prices. In our pricing research, Travelers prices varied by the particular locale. In some regions they have near the best pricing, whereas in other regions it is not as competitive. As a general matter, Travelers provides competitive pricing particularly for a large service-oriented company.
Hippo
In our pricing research, Hippo's pricing ranged from very competitive to more middle of the pack. Fortunately, Hippo has a very easy and fast process to get a quote, so it's worth spending the couple of minutes to figure out just what type of rate they will provide for you.
Lemonade
In our pricing research, Lemonade had competitively priced rates. One big benefit of Lemonade is just how fast it is to get a quote. Lemonade can provide a quote in a minute or two by leveraging third party data on your home. Given it's so easy, why not get a quote from Lemonade and compare.
Allstate
Known for product and service over cheaper rates. In our pricing research, we found Allstate to not be price leader, but it did have a competitively priced offering.
Savvy Home
Regarding price, Savvy's goal is to find customers the best pricing possible for quality home insurance coverage.
Bubble Insurance Solutions
As a broker, Bubble provides users with multiple carrier options, so homeowners will be able to choose from carriers at a variety of price points.
Compare
Choose the best rate for you while viewing prices from a number of carriers. The price will depend on which carrier you choose.
Jupiter Insurance
Typically renters insurance is highly variable based on the amount that is owned by the resident. However, Jupiter is a low cost provider, generally speaking.
Agile Rates
A major advantage of choosing a comparison site like Agile Rates is that they make quote comparisons easy. Homeowners can view a number of quotes at different price points and choose the one that best suits their coverage needs.
Blue Sky
Have an insurance agent review options and pricing. Actual pricing will depend on the insurance companies that the agent represents.
Gabi
As they send multiple quotes from a variety of providers, finding low prices is easy.
Home Insurance King
Have an insurance agent review options and pricing. Actual pricing will depend on the insurance companies that the agent represents.
homeinsurance.net
HomeInsurance.net will find you the lowest prices possible among the carriers they work with.
Insurance Rates for Less
Have an insurance agent review options and pricing. Actual pricing will depend on the insurance companies that the agent represents.
InsuranceHoney
You will receive a list of multiple policies and quotes, with a variety of prices. In most cases, users find affordable options among the suggestions offered.
Kelly Klee
Kelly Klee focuses no providing a premium level of service for a premium type of client. If price is your primary concern, this company may not be your best match.
National Home Quotes
Have an insurance agent review options and pricing. Actual pricing will depend on the insurance companies that the agent represents.
Policygenius
Policygenius gathers and recommends multiple relevant insurers and quotes. Among those suggested, you are likely to find affordable options.
Provide Insurance
As multiple companies are reviewed, consumers are in the driver's seat. They can choose a competitive price.
SavingsJoy.com
Although pricing is decided by the carriers themselves, Savings Joy works by finding homeowners the lowest prices possible.
Select Quote
Select Quote will provide multiple options due to their relationships with carriers. The price will depend on which carrier you choose.
United States Insurance
Pricing depends on each individual carrier, but as United States Insurance works with several, you can expect them to find you the lowest prices possible.