Does bundling home and auto really save money?

Usually yes — multi-policy discounts often trim 10% to 25% off. Still compare the bundled total against buying each policy separately, since the cheapest bundle isn't always the cheapest overall.

What's typically not covered by a standard policy?

Flood and earthquake damage are almost always excluded and need separate coverage. Some high-value items like jewelry or collectibles also have low limits unless you add a rider.

Will filing a claim raise my premium?

It can, especially for repeated claims. For minor damage close to your deductible, paying out of pocket sometimes costs less than the long-term premium increase a claim triggers.

Protect your biggest asset for less

Best Home Insurance of 2026

Homeowners insurance protects your house, your belongings and your liability — but coverage limits and prices differ widely. We compared insurers on premiums, coverage options, bundling discounts and claims handling.

6 insurers comparedLast updated July 2026How we rate

At a glance

Top home insurance compared

At-a-glance comparison of the top insurer options
#	Provider	Rating	Avg. monthly premium	Best for
1	LLemonade	4.9	$92	Renters and homeowners who want it digital	Get Quote
2	SState Farm	4.7	$118	Owners who want an agent down the street	See Rates
3	AAllstate	4.5	$126	Buyers who stack every discount available	See Rates
4	AAmica	4.4	$134	Owners who prize claims-handling quality	Get Quote
5	UUSAA	4.3	$108	Military members and their families	See Rates
6	NNationwide	4.2	$121	Owners wanting broad coverage options	Get Quote

Rates and terms shown are illustrative editorial examples — confirm current details on each insurer’s site.

The full list

Our top-rated insurers, ranked

Lemonade

Homeowners cover in ninety seconds

Editor's Choice

Best for Renters and homeowners who want it digital

Avg. monthly premium: $92
Coverage types: Home, Renters, Condo, Pet
Bundling discount: Up to 15%
Availability: 37 states

Quote and bind a policy in under three minutes
AI claims bot pays approved simple claims in seconds
Giveback program donates unused premium to your chosen cause
Bundle renters, home, pet, and life inside one app

Pros

Fastest quote and claim experience in the category
No pushy agents or paperwork for routine coverage
Transparent flat fee instead of a hidden profit motive

Cons

Not available in every state yet
Complex or high-value homes get referred to a human underwriter
Thin track record on large, contested claims

State Farm

The nation's largest home insurer

Best for Local Agents

Best for Owners who want an agent down the street

Avg. monthly premium: $118
Coverage types: Home, Condo, Renters, Rental Dwelling
Bundling discount: Up to 23%
Availability: 48 states

Nationwide network of nearly 19,000 local agents
Deep multi-line discount when you add auto
Optional coverage for backup of sewers and drains
Strong financial strength ratings for claim-paying ability

Pros

In-person agent support in every state
One of the largest home-plus-auto bundle discounts
Reliable claims record over decades

Cons

Online quote tools trail app-first rivals
Premiums can run high in wildfire and storm zones

Allstate

More discounts than almost anyone

Best for Discounts

Best for Buyers who stack every discount available

Avg. monthly premium: $126
Coverage types: Home, Condo, Renters, Landlord
Bundling discount: Up to 25%
Availability: 50 states

Long menu of stackable discounts on one policy
Claim RateGuard freezes your rate after a first claim
HostAdvantage covers belongings during short-term rentals
Digital locker documents your possessions for faster claims

Pros

One of the widest discount lineups in home insurance
Optional add-ons cover gaps standard policies miss
Local agents plus a capable mobile app

Cons

Base premiums start higher, so discounts do heavy lifting
Some add-ons that should be standard cost extra
Customer-satisfaction scores land mid-pack

Amica

Service-obsessed coverage that pays back

Best for Claims Service

Best for Owners who prize claims-handling quality

Avg. monthly premium: $134
Coverage types: Home, Condo, Renters, Umbrella
Bundling discount: Up to 20%
Availability: 50 states

Perennial leader in home-insurance satisfaction studies
Dividend policies refund part of your premium annually
Platinum Choice bundle adds credit monitoring and more
Loyalty and claim-free discounts reward staying put

Pros

Top-rated claims and customer service
Dividend option cuts your net cost over time
Generous standard coverage limits

Cons

Fewer local offices than the national giants
Sticker premiums are not the cheapest before dividends

USAA

Built for the military community

Best for Military members and their families

Avg. monthly premium: $108
Coverage types: Home, Renters, Condo, Valuables
Bundling discount: Up to 10%
Availability: 50 states (members)

Replacement-cost coverage built into standard policies
Covers military uniforms and gear at no extra charge
Handles home, auto, and banking under one roof
Consistently high marks for claims satisfaction

Pros

Standout coverage extras included by default
Excellent claims and member service
Competitive rates for eligible households

Cons

Only open to military members and their families
No local branch offices to walk into

Nationwide

Wide coverage with fewer surprises

Best for Owners wanting broad coverage options

Avg. monthly premium: $121
Coverage types: Home, Condo, Renters, Landlord
Bundling discount: Up to 20%
Availability: 43 states

Brand New Belongings replaces items at full cost
Better Roof Replacement uses stronger materials after a covered loss
Optional water backup and ordinance coverage
On Your Side Review checks your coverage yearly

Pros

Valuable coverage extras included as standard
Flexible add-ons for older homes and roofs
Solid bundle savings with auto and life

Cons

Not available in a handful of states
Discount lineup is thinner than top rivals
Claims satisfaction lands slightly below average

How we chose

Independent research, no pay-to-play

Every insurer above earns its place on the merits. We weigh the numbers that decide real outcomes in this category — cost, terms, eligibility, and the quality of the experience once you’re a customer — against verifiable data and hands-on testing. Advertising partners never buy a better ranking, and our editorial scores are set independently of any commission we may earn.

Read our full rating methodology

Good to know

Home Insurance questions, answered

Enough to rebuild your home at today's construction costs, which is often different from its market value or what you paid. Ask each insurer to estimate replacement cost rather than defaulting to your purchase price.

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Top home insurance compared

Our top-rated insurers, ranked

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Independent research, no pay-to-play

Home Insurance questions, answered

How much dwelling coverage should I carry?

Does bundling home and auto really save money?

What's typically not covered by a standard policy?

Will filing a claim raise my premium?

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