The insurance market is flooded with home insurance providers. Finding one that has clear terms and conditions and good customer service is like trying to light a lamp in the hurricane. We have tried to make this task of finding a home insurance provider easier by listing out the top10 home insurance providers in the USA.
1. State Farm
Ranking on top of the list in every survey, State Farm is the undisputed leader in providing home owners insurance. They rank high on the 2 most parameters important to the buyers – premium rates and customer service. It has on offer multiple-line policies and provides a host of discounts. They also have a wide range of riders and insurance for other types of housing insurance needs. State Farm provides round the clock service and quick claim redressal.
Allstate has home insurance with a difference. They have customized home insurance policies based on the location of the house. They have different mechanisms to handle simple and complicated claims. Hence claims procedures at Allstate take far less time than many other home insurers. They have standard, specialized and customized coverage for different types of buyers.
3. Farmers Insurance Group
Farmers insurance group is a well known insurer who specializes in providing cover to different housing types. From the regular home owner to those homes located in natural disaster prone areas, they cover every kind of housing against uncertainty. The company has a special package called the Farmers Identity Shield that covers buyers against identity theft. This can be added as a rider to any existing policy from the company.
4. Liberty Mutual
Liberty Mutual has various coverage options, discounts on premium and policy holder benefits to its credit. It boasts of a single call process of claim redressal. Quick online service is said to be the highlight of this insurer.
5. USAA Insurance Group
The home insurance policy by USAA insurance group not only protects your home but also personal belongings and identity. USAA also protects the collectibles and mobile homes with special cover for homes located in flood-prone areas. They also cover homes that are part of a ranch or a farm.
6. Travelers Companies
Though more popular for its travel insurance products, Travelers has made a name for itself in the home insurance front as well. Their comprehensive plans provide cover for the primary structure, ancillary structures, personal property, loss of use and liability coverage too. Extra coverage for valuable and collectibles is available at additional premium.
7. Nationwide Mutual Group
Nationwide’s home insurance provides cover against damage, theft and disasters at competitive prices and unmatched discounts. They have a superior claim service in place and help the customer in the rebuilding process. All these are tailored keeping your needs and budget in mind.
8. Chubb Corp
Chubb Corp begins its services to the customer by assessing the home insurance needs. Many home owners are underinsured and Chubb Corp ensures that its customers are adequately insured and guides them by offering the free assessment service. They also offer discounts on the existing premium structures.
9. Citizens Property Insurance Corp
Citizens Property Insurance is a company that mainly covers homes from disasters such as hurricanes, earthquakes and volcanoes. If you are looking at a specialist insurer for your home and property then this is the one to go with.
10. American Family Mutual
American Family Mutual offers home insurance products with a difference. Instead of offering expensive comprehensive plans, they have a basic home cover to which other options can be add-ons. They also have loyalty and discount programs for customers who have stayed with them for 5 years or longer.