Twenty major US homeowners insurers, described only with facts each company publishes about itself: the coverage it lists, the optional cover it names, who it serves, and how its policies are sold. Search by name or characteristic, filter by tag, and compare up to three companies side by side across every field we recorded. Then take the shortlist to the quote-comparison worksheet once you have real quotes.
Independent directory, no paid placements
We are not paid by any company listed here. There are no sponsored placements and no affiliate links. This directory is a free tool to help you compare your options. Companies are listed in alphabetical order by name, and payment does not affect that order, because no company pays us.
Short answer
This directory covers 20 US homeowners insurers. For each one it records, from the company official page named on its profile, the coverage it lists, the optional cover it names, who it serves, how its policies are sold, and a note on flood cover. Companies are listed in alphabetical order, and no prices are published.
How to use it in one line: filter the list to your situation, compare up to three companies side by side, then ask each company on your shortlist for a quote on one identical spec.
Start from your situation (each link presets the directory filter below):
Disclaimer: This directory records what companies say about their own products on the official pages cited, checked on the dates shown. It is not insurance advice, not a quote, and not a ranking. Coverage, eligibility and availability vary by state and by home. Confirm every detail with the company or a licensed agent before you buy.
Find companies that fit: answer 3 questions
Answer each question with one tap. This finder only narrows the list below. It never hides the directory: all 20 companies stay listed on this page whether you use the finder or not.
How the shortlist is produced: your answers filter the full list of 20 companies. A company has to match every answer that narrows the list, and answers that say no preference do not narrow it. When more than three companies match, the first three in directory order (alphabetical by name) are shown, and the count of all matches is stated. Ties keep directory order. Nothing is scored.
Filter first. Use the tags and search to cut the list to companies that fit your situation, for example membership based, regional, high-value homes, or a company that lists water backup.
Compare facts, not slogans. Select up to three companies and read every row of the comparison table, including eligibility and the flood note.
Quote one identical spec. Hand each company on your shortlist the same dwelling coverage, deductible and endorsements. Our renewal shopping guide shows how to build that spec.
Open to homeowners generally. Allstate notes coverage and some add-ons vary by state, and in some areas a policy may be issued through another insurer.
DwellingOther structuresPersonal propertyLiabilityLoss of useWater backupScheduled propertyIdentity theftHome-sharingAgent sold
Sold: Allstate agents and online quote on allstate.com
Chubb describes itself as a premium carrier serving successful individuals and families with more to insure. Policies are tailored and not all products are available in all jurisdictions.
Open to homeowners generally. Cincinnati directs readers to a local independent agent for coverage availability in their state, and notes not all of its subsidiaries operate in all states.
DwellingOther structuresPersonal propertyLiabilityLoss of useUmbrellaCyber protectionIdentity theftIndependent agent
Sold: Local independent agents representing Cincinnati Insurance, per cinfin.com
Regional: Erie's own state pages say its cover is available in 12 states and the District of Columbia. Check the Erie site for your state before relying on a quote route.
Regional: 12 states and DCDwellingOther structuresPersonal propertyLiabilityLoss of useGuaranteed replacement costService lineAgent sold
Open to homeowners generally. Grange states the coverages it describes may not be available in all states and directs readers to a local independent agent for complete details.
Open to homeowners generally, subject to availability and underwriting. Hanover product materials note coverage may not be available in all jurisdictions.
State limited. Kin lists this homeowners cover in Alabama, Arizona, California, Colorado, Georgia, Mississippi, South Carolina, Tennessee, Texas and Virginia on the page read. It is described for people who live in their home, rent it out, or do both, and for traditionally built and modular homes; manufactured homeowners are directed to mobile home insurance.
Regional: listed statesDwellingPersonal propertyLiabilityLoss of useMedical paymentsWater backupReplacement costDirect onlineSecondary or rental use
Sold: Direct: online quote on kin.com, with no external agents, per Kin
State limited. Mercury lists homeowners insurance in Arizona, California, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia on the page read, and notes coverages may not be available in all states.
DwellingPersonal propertyLiabilityLoss of useMedical paymentsExtended replacement costIdentity theftValuablesRegional: 10 states listedAgent sold
Sold: Mercury agents and local independent agents, and online quote on mercuryinsurance.com
Regional. NJM states it offers homeowners insurance to residents of Connecticut, Maryland, New Jersey, Ohio and Pennsylvania. NJM describes homeowners cover as for people who live in the insured property, in good repair and valued above the minimum coverage limit available.
Membership based. USAA serves the military community: its homeowners pages describe cover for members, with added benefits for military members, including uniform cover with no deductible for active-duty members. Confirm membership eligibility on usaa.com before planning around a USAA quote.
Membership: military communityDwellingOther structuresPersonal propertyLiabilityLoss of useReplacement cost standardWater backupEarthquake option
Open to homeowners generally, subject to state availability. Westfield states its service line endorsement is available in all states where it offers homeowners insurance.
DwellingPersonal propertyLiabilityLoss of useIncreased replacement costHigh-value homesService lineIndependent agent
Sold: Westfield agents, per westfieldinsurance.com
The comparison framework: same home, same spec, then price
A lower premium means little if the quote quietly carries a lower dwelling limit, a percentage wind deductible you did not choose, actual cash value settlement instead of replacement cost, or a missing water backup endorsement. So compare in this order: dwelling coverage first, deductible second, endorsements third, premium last. If two quotes match on the first three, the cheaper one is a genuine price difference. If they do not match, you are comparing different products, and the worksheet will make the mismatch visible.
Eligibility comes before all of that. One company in this directory is membership based, one is regional, and one positions itself for higher-value homes. A company that cannot insure your home or your household is not a cheaper option, it is not an option. The eligibility row in each profile states what the company itself says, so read it before you spend time quoting.
All twenty profiles
Allstate: Allstate agents and online quote on allstate.com. Source checked 2026-10-19.
American Family Insurance: American Family agents and online quote on amfam.com. Source checked 2026-10-19.
Amica: Direct: online quote or phone on amica.com. Source checked 2026-10-19.
Chubb: Independent insurance agents and brokers, per Chubb's homeowners page; its 2025 Form 10-K also names digital partnerships. Source checked 2026-10-19.
Cincinnati Insurance: Local independent agents representing Cincinnati Insurance, per cinfin.com. Source checked 2026-10-19.
Erie Insurance: Local Erie agents. Source checked 2026-10-19.
Farmers Insurance: Farmers agents and online quote on farmers.com. Source checked 2026-10-19.
Grange Insurance: Independent insurance agents, per grangeinsurance.com. Source checked 2026-10-19.
Hanover Insurance: Independent agents and brokers, per hanover.com. Source checked 2026-10-19.
Kin Insurance: Direct: online quote on kin.com, with no external agents, per Kin. Source checked 2026-10-19.
Lemonade: Direct: Lemonade app and online quote on lemonade.com. Source checked 2026-10-19.
Liberty Mutual: Online quote on libertymutual.com, by phone, and through agents. Source checked 2026-10-19.
Mercury Insurance: Mercury agents and local independent agents, and online quote on mercuryinsurance.com. Source checked 2026-10-19.
Nationwide: Online quote on nationwide.com and Nationwide agents. Source checked 2026-10-19.
NJM Insurance: Direct writer: quote by phone or online on njm.com, with a select group of exclusive agents supporting personal policyholders, per NJM. Source checked 2026-10-19.
Progressive: Online quote or phone on progressive.com. Source checked 2026-10-19.
State Farm: State Farm agents and online quote on statefarm.com. Source checked 2026-10-19.
Travelers: Independent agents and online quote on travelers.com. Source checked 2026-10-19.
USAA: Members: online or by phone on usaa.com. Source checked 2026-10-19.
Westfield Insurance: Westfield agents, per westfieldinsurance.com. Source checked 2026-10-19.
Common questions
How were these companies chosen?
They are major US homeowners insurers whose official sites describe a homeowners product we could read and verify. Inclusion is not a ranking and not a recommendation. Facts on each profile come from the company official page named on the profile, checked on the verified date shown.
Why are there no prices, ratings or rankings here?
Premiums depend on your home, address, claims history and the exact spec quoted, so a directory price would be invented. We do not publish ratings or declare any company best. Instead we record what each company itself lists, then give you a worksheet to compare real quotes you obtain on an identical spec.
How should I compare two companies?
Pick the companies that can actually insure your home, then request the same dwelling limit, the same deductibles, the same policy form and the same endorsements from each. Enter those quotes in the quote-comparison worksheet and read the coverage rows before the price row.
What order are companies listed in?
Alphabetical order by company name. Payment does not affect the order, because no company pays to be listed here.
Sources and verification
Every company fact in this directory comes from the company official page named in its profile and in our checked-in data file (src/data/insurers.json), read and verified on 2026-10-19. We publish no premium, rating, discount percentage or ranking for any company. See Methodology and the Disclaimer.