Amica Tops List of 10 Best Homeowners Insurance Providers

NEW YORK, Oct. 18, 2026 — Amica ranks as the best overall homeowners insurance provider, earning a rating of 4.9 out of 5 in U.S. News & World Report’s list of the 10 best homeowners insurance companies. USAA follows with a score of 4.7 for military members and veterans, while State Farm earns 4.6 for comprehensive coverage. The rankings assess insurers across several homeowner priorities, from discounts and customizable policies to coverage for specific property types. Homeowners can use these ratings to narrow their choices, but comparing quotes, coverage limits, deductibles and exclusions remains essential to finding suitable protection at an affordable price. The rankings are based on an assessment published by U.S. News & World Report.

How Insurers Rank

Amica earned the highest rating in the assessment, scoring 4.9 out of 5. USAA ranked second at 4.7, earning recognition for military members and veterans, while State Farm scored 4.6 for comprehensive coverage. Auto-Owners received a rating of 4.5 for older homes, and Allstate scored 4.4 for homeowners with recent claims. These distinctions help property owners identify insurers that may fit their circumstances, although individual eligibility, policy terms, and premiums determine which provider offers suitable coverage.

Five other insurers earned recognition for specific homeowner priorities. Farmers scored 4.3 for discounts, followed by Travelers at 4.2 for green homes. Cincinnati Insurance received 4.1 for homeowners with low credit, while Nationwide scored 4.0 for customizable coverage. Progressive completed the list with a rating of 3.9 for new homes. The rankings offer a starting point for comparing providers, but they do not establish which insurer will offer the lowest premium or the best terms for every applicant. Availability and eligibility vary by insurer and state.

What Homeowners Pay

Choosing homeowners insurance involves more than comparing premiums. Homeowners should consider rebuilding costs, the value of personal belongings, potential liability risks, and additional living expenses if covered damage makes their home temporarily uninhabitable. These factors help determine the coverage limits a policy should provide. A lower premium may reduce annual expenses, but insufficient coverage could leave a homeowner paying substantial repair or replacement costs after a covered loss. Comparing policies with similar limits and deductibles provides a more reliable basis for evaluating prices.

Requesting quotes from several insurers helps homeowners compare premiums, deductibles, coverage limits and available discounts. Prices vary according to property characteristics, selected coverage and underwriting criteria. Applicants should ask providers which discounts they qualify for and how much each would reduce the annual premium. Farmers received recognition for discounts in the assessment, although actual savings depend on eligibility and the policy offered. State availability also matters because an insurer may not offer every product in every location. Comparing equivalent policies helps homeowners assess costs without overlooking differences in protection.

What Policies Exclude

Standard homeowners insurance generally protects a house and personal belongings against specified types of damage, subject to policy terms, exclusions, and coverage limits. Policies also typically provide personal liability protection for certain claims against the homeowner. However, standard coverage does not protect against every type of loss. Flood damage, earthquake damage, normal wear and tear, and sewer backups are generally excluded. Without separate insurance or an endorsement, homeowners may have to pay for repairs resulting from these events themselves. Reviewing policy documents helps property owners understand the limits of their protection before a loss occurs.

Before purchasing a policy, homeowners should examine exclusions, deductibles, coverage limits, and additional requirements. Flood protection may require separate insurance, while earthquake and sewer-backup coverage may be available through separate policies or endorsements, depending on the insurer and location. Buyers should confirm which options apply to their property and compare the associated costs. An insurance agent can explain differences between policies and available endorsements, but the written policy determines which losses qualify for payment. Reviewing these details helps homeowners identify gaps and decide whether separate protection is necessary.

Image credit: Amica

How to Choose

The right insurer depends on the property’s characteristics, the homeowner's financial circumstances, and the protection required. Amica earned the highest overall rating at 4.9, while USAA received recognition for military members and veterans. State Farm ranked for comprehensive coverage, and Auto-Owners received recognition for older homes. Homeowners with recent claims may consider Allstate, while those seeking discounts may compare Farmers. Travelers earned recognition for green homes, and Cincinnati Insurance was rated for homeowners with low credit. These distinctions help narrow the field, but individual quotes and policy terms remain essential when selecting coverage.

Nationwide received recognition for customizable coverage, while Progressive was rated for new homes. Homeowners should also compare customer satisfaction ratings, claims-handling records, state availability and the exclusions attached to each quote. The final choice should reflect rebuilding costs, the value of personal belongings, potential liability exposure and the household budget. A policy that meets these needs may offer better value than one selected solely for its rating or premium. Comparing policy details before purchasing helps homeowners select suitable protection and identify risks that may require separate insurance or endorsements.