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Two at a time: the facts side by side, then a plain verdict on who should choose which.
AAA - Automobile Club of Southern California (Auto Club Enterprises) vs AAA - CSAA Insurance Group Two AAA reciprocal exchanges split by territory, so your club picks the insurer. The Auto Club is rated A+ with a 2026 filing pending; CSAA is rated A. AAA - CSAA Insurance Group vs Mercury Insurance CSAA sells AAA members homeowners policies via club agents in 23 states; Mercury sells to anyone via independent agents in 10. Both got 6.9% California hikes. Allied Trust Insurance vs Louisiana Citizens Property Insurance Corporation Louisiana Citizens is the state's unrated last-resort insurer, priced above the market; Allied Trust is a Demotech A private carrier sold through agents. Allstate vs Farmers Insurance Both sell through exclusive agents; Allstate prices roofs by schedule and is closed to new California homes, while Farmers is writing there but left Florida. Allstate vs Liberty Mutual Allstate sells through its own agents, rated A+, with roof payment schedules; Liberty Mutual sells online and via independent agents, rated A. Allstate vs National General Same parent, different doors: Allstate sells through exclusive agents and online; National General sells through 55,000-plus independent agents. Allstate vs Nationwide Allstate sells through its own agents and rates A+ at AM Best; Nationwide sells through independent agents, rates A, and offers Brand New Belongings. Allstate vs Progressive Home Both are stock companies rated A+ by AM Best; Allstate sells homes through its own agents, while a Progressive quote may be written by a partner carrier. Allstate vs State Farm Both sell through exclusive agents and are closed to new California homes; Allstate is a stock company with roof schedules, State Farm a mutual. Allstate vs USAA Allstate is a stock company selling through local agents to anyone; USAA is a member-owned exchange selling direct to military families, with no agents. American Family Insurance vs Farm Bureau Financial Services Both are exclusive-agent mutuals rated A by AM Best; Farm Bureau publishes its roof schedule, American Family pays roofs at ACV unless you add coverage. American Family Insurance vs State Farm Two agent-sold mutuals; American Family sells in 19 states and pays roofs at actual cash value unless you add coverage, State Farm sells nearly nationwide. American Integrity Insurance vs Tower Hill Insurance American Integrity is a public insurer favoring newer, high-value homes; Tower Hill is a family-run Florida reciprocal that also writes rentals and mobile homes American Modern Insurance Group vs Foremost Insurance Two big manufactured-home and hard-to-place specialists: American Modern (Munich Re, A+, agents only) and Foremost (Farmers, A, agents or phone). Amica Mutual Insurance vs State Farm Both are A+ rated mutuals. Amica sells direct and led J.D. Power in 2025 and 2026; State Farm is the largest home insurer, sold through local exclusive agents. Amica Mutual Insurance vs USAA Both sell direct with no agents. Amica is open to anyone and led J.D. Power in 2025-2026; USAA is military-only, with contents at replacement cost as standard. Arbella Insurance vs Safety Insurance Two agent-only Massachusetts insurers rated A: Arbella is a mutual with a positive credit outlook; Safety is public, with a MAPFRE sale pending. Auto-Owners Insurance vs Erie Insurance Two independent-agent insurers with guaranteed replacement cost: Auto-Owners rates A+ in 26 states, Erie rates A with top J.D. Power scores in 12 states and DC. Bamboo Insurance vs Mercury Insurance Bamboo is an insurtech MGA placing California and Texas homes with changing carriers; Mercury is an A-rated insurer selling homeowners in 10 states. Berkley One vs Chubb Berkley One is a newer, smaller high-value home insurer in 30 states and DC; Chubb is the larger A++ incumbent with J.D. Power rankings and nationwide reach. Branch Insurance vs Lemonade Both are Demotech A insurtechs. Branch bundles home and auto in a member-owned reciprocal that adds a surplus contribution; Lemonade is app-only. California FAIR Plan vs Mercury Insurance The FAIR Plan is California's unrated last-resort fire policy; Mercury is an A-rated private insurer selling full homeowners policies through agents. Chubb vs Private Client Select (AIG) Chubb is a publicly traded insurer with published high-value features; Private Client Select is an AIG-backed agency that does not publish its policy form. Chubb vs PURE Insurance Chubb is a public A++ insurer with extended replacement cost; PURE is a member-owned reciprocal, rated A, that sends hard-to-place homes to surplus lines. Cincinnati Insurance vs The Hanover Both sell only through independent agents. Cincinnati is rated A+ and leans affluent; The Hanover is rated A and sells packages in 19 states, led by Michigan. Citizens Property Insurance Corporation (Florida) vs Universal Property & Casualty Citizens is Florida's last-resort insurer with no private rating; Universal is a Demotech A-rated private carrier sold through independent agents. COUNTRY Financial vs State Farm Two mutuals with exclusive agents: COUNTRY writes 19 Midwest and Western states with open-perils choices; State Farm is the nationwide giant. Erie Insurance vs State Farm Erie sells guaranteed replacement cost via independent agents in 12 states and DC; State Farm is the largest home insurer, sold by exclusive agents nationwide. Farmers Insurance vs Mercury Insurance Farmers is the 5th-largest home insurer, sold by exclusive agents with guaranteed replacement cost; Mercury is California-heavy and sold by independent agents. Farmers Insurance vs State Farm Farmers is writing new California homeowners policies and offers guaranteed replacement cost but left Florida; State Farm is larger and closed in California. Florida Peninsula Insurance vs Universal Property & Casualty Both are Demotech A-rated Florida domestics sold by independent agents; Universal is public and writes in 19 states, Florida Peninsula is private, Florida-only. Frontline Insurance vs Security First Insurance Frontline sells in nine states through agents and rates BBB+ by KBRA; Security First is Florida-only, sells direct too, and leads with an HO-5 rated Demotech A. GEICO Homeowners Insurance (GEICO Insurance Agency) vs Progressive Home GEICO's agency places home policies with partner insurers; Progressive underwrites its own (rated A+) and also sells partner carriers' policies. Heritage Insurance vs Homeowners Choice and TypTap (HCI Group) Two Tampa public insurers built on Citizens takeouts: Heritage now spreads across 16 states; HCI's Homeowners Choice and TypTap stay mostly in Florida. Hippo vs Kin Insurance Hippo's carrier is AM Best A- and its program sells through Progressive's agency in 8 states; Kin sells direct in 14 storm states with Demotech A reciprocals. Hippo vs Lemonade Both are public insurtechs that pulled back after catastrophe losses. Hippo is AM Best A- and reopens in more states; Lemonade is app-only and Demotech A rated. Kin Insurance vs Lemonade Both are direct insurtechs rated Demotech A. Kin targets storm-exposed Sun Belt states; Lemonade is app-only and has been shedding catastrophe risk. Kin Insurance vs SageSure Kin sells direct online through its own reciprocals in 14 states; SageSure is an agent-only underwriter whose carrier, rating and claims handler vary by state. Kingstone Insurance vs NYCM Insurance Two New York home insurers sold only through independent agents: Kingstone is a Demotech A stock company, NYCM a family-run mutual rated A by AM Best. Liberty Mutual vs State Farm Liberty Mutual sells online and through independent agents and pays contents at ACV by default; State Farm sells only through exclusive agents. Liberty Mutual vs Travelers Both sell through independent agents; Travelers is a stock company rated A++ by AM Best, Liberty Mutual a policyholder-owned mutual rated A. Mercury Insurance vs State Farm Mercury sells via independent agents in 10 states; State Farm sells via captive agents nationwide but has been closed to new California homeowners since 2023. Nationwide vs State Farm Nationwide sells through independent agents in 43 states and DC with replacement-cost options; State Farm uses exclusive agents in nearly every state. Nationwide vs Travelers Both sell through independent agents; Travelers is a stock company rated A++ by AM Best, Nationwide a mutual rated A with richer replacement-cost endorsements. NJM Insurance vs Plymouth Rock Assurance (New Jersey) NJM is New Jersey's largest home insurer, sells direct and is rated A+; Plymouth Rock's Palisades group sells online and through agents, rated A-. Openly vs Travelers Openly is an agent-only MGA selling HO-5 policies in 24 states with an A- issuing carrier; Travelers is a public insurer rated A++ in most states. Progressive Home vs State Farm A Progressive home quote may come from one of a dozen partner carriers; State Farm writes its own policies through exclusive agents and is closed in California. PURE Insurance vs Vault Insurance Two broker-sold reciprocals with surplus lines siblings: PURE is older, larger and owned by Tokio Marine's subsidiary; Vault is smaller and rated A- at AM Best. Shelter Insurance vs State Farm Both are exclusive-agent mutuals; State Farm is national and rated A+, while Shelter is a Missouri-centered regional with no AM Best rating we found. Slide Insurance vs Universal Property & Casualty Slide is a 2021 startup that grew on takeouts and acquired books; Universal is a 1997 Florida carrier writing in 19 states. Both are Demotech A-rated. State Farm vs Texas Farm Bureau Insurance In Texas, State Farm is the largest home insurer (A+ group, A Lloyds); Texas Farm Bureau is a ninth-ranked, members-only mutual with county-office agents. State Farm vs USAA State Farm sells to anyone through local agents; USAA sells direct to military families only, with contents paid at replacement cost.