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Insurers
The 100 largest U.S. homeowners insurers, ranked by 2025 homeowners premiums, plus the brands people search for: contacts, financial strength ratings, coverage, where they sell and the latest news on each.
- National carriers 13
- Regional carriers 36
- AAA auto clubs 3
- Farm Bureau insurers 11
- Affinity and military insurers 3
- High-net-worth insurers 5
- Florida and coastal specialists 25
- Digital and insurtech insurers 8
- Manufactured home and specialty dwelling insurers 4
- State-backed insurers of last resort 5
- Program carriers and fronting insurers 7
| # | Insurer | Type | Market share (2025) | AM Best |
|---|---|---|---|---|
| 1 | State FarmThe largest U.S. home insurer, a Bloomington, Illinois mutual sold by more than 19,000 State Farm agents; closed to new California homeowners since 2023. | National carriers | 18.67% | A+ (Superior) |
| 2 | AllstateThe No. 2 U.S. home insurer, a public company sold by Allstate agents and online, with National General for independent agents and Castle Key in Florida. | National carriers | 9.40% | A+ (Superior) |
| 3 | USAASan Antonio reciprocal that sells home insurance directly to military members, veterans and their families; the No. 3 U.S. home insurer by premiums. | Affinity and military insurers | 7.01% | — |
| 4 | Liberty MutualThe 4th-largest U.S. home insurer, a Boston mutual holding company sold online and through independent agents; it retired the Safeco brand in April 2026. | National carriers | 5.50% | A (Excellent) |
| 5 | Farmers InsuranceThe 5th-largest U.S. home insurer and No. 2 in California, a group of policyholder-owned exchanges sold mainly through exclusive Farmers agents. | National carriers | 5.46% | A (Excellent) |
| 6 | American Family InsuranceMadison, Wisconsin mutual sold by exclusive agents in 19 states, with Homesite and partner programs reaching most others; the 6th-largest U.S. home insurer. | National carriers | 5.14% | A (Excellent) |
| 7 | TravelersPublicly traded insurer founded in 1864 that sells home insurance mainly through independent agents in most states; the 7th-largest U.S. home insurer. | National carriers | 4.56% | A++ (Superior) |
| 8 | ChubbThe largest U.S. insurer of high-value homes, sold through independent agents and brokers; ranked 8th among U.S. home insurers by 2025 premiums. | High-net-worth insurers | 2.49% | A++ (Superior) |
| 9 | Auto-Owners InsuranceLansing, Michigan mutual founded in 1916 that sells home insurance only through independent agents in 26 states; the 9th-largest U.S. home insurer. | Regional carriers | 2.19% | A+ (Superior) |
| 10 | Erie InsurancePolicyholder-owned reciprocal founded in 1925 that sells home insurance through independent agents in 12 states and DC; the 10th-largest U.S. home insurer. | Regional carriers | 1.96% | A (Excellent) |
| 11 | NationwideColumbus, Ohio mutual founded in 1926 that sells home insurance through independent agents and online in 43 states and DC; the 11th-largest U.S. home insurer. | National carriers | 1.85% | A (Excellent) |
| 12 | Progressive HomeProgressive's home insurer, the former ASI of St. Petersburg, Florida, sold online and by agents; Progressive also places home policies with partner carriers. | National carriers | 1.77% | A+ (Superior) |
| 13 | Universal Property & CasualtyFort Lauderdale insurer that is Florida's third-largest home insurance group and also writes in 18 other states through independent agents; Demotech-rated. | Florida and coastal specialists | 1.07% | — |
| 14 | PURE InsuranceMember-owned reciprocal insurer for high-value homes, founded in 2006 and managed by a Tokio Marine subsidiary; sold only through independent brokers. | High-net-worth insurers | 1.03% | A (Excellent) |
| 15 | Cincinnati InsuranceOhio insurer founded in 1950 that sells home and auto only through independent agents in 45 states; about 60% of its personal lines premium is high-net-worth. | Regional carriers | 1.01% | A+ (Superior) |
| 16 | AAA - Automobile Club of Southern California (Auto Club Enterprises)Southern California's AAA insurer, a member-only reciprocal exchange that writes home, condo and renters policies for the Auto Club and affiliated AAA clubs. | AAA auto clubs | 0.95% | A+ (Superior) |
| 17 | AAA - CSAA Insurance GroupWalnut Creek-based AAA insurer, a reciprocal exchange, selling home, condo and renters policies to members of partner AAA clubs in 23 states and D.C. | AAA auto clubs | 0.91% | A (Excellent) |
| 18 | Mercury InsuranceLos Angeles-based, NYSE-listed insurer selling home insurance through independent agents in 10 states; California's No. 3 homeowners group in 2025. | Regional carriers | 0.89% | A (Excellent) |
| 19 | Citizens Property Insurance Corporation (Florida)Florida's not-for-profit, government-created insurer of last resort; takeouts cut it from 1.41 million policies in 2023 to about 255,000 in October 2026. | State-backed insurers of last resort | 0.80% | — |
| 20 | SageSureJersey City MGA that writes catastrophe-exposed homeowners policies for IAT and other carriers, sold through independent agents in coastal states. | Florida and coastal specialists | 0.79% | A- (Excellent) |
| 21 | Florida Peninsula InsuranceBoca Raton group (Florida Peninsula and Edison) that sells only in Florida through independent agents; the state's No. 2 home insurer in 2025, after Citizens. | Florida and coastal specialists | 0.78% | — |
| 22 | Amica Mutual InsuranceRhode Island mutual founded in 1907 that sells home, condo and renters insurance directly, with no agents; first in J.D. Power's 2025 and 2026 home studies. | National carriers | 0.70% | A+ (Superior) |
| 23 | The Hartford (AARP Homeowners Insurance Program)The 1810-founded Connecticut insurer whose home book is mostly the AARP Homeowners Insurance Program, sold direct to AARP members; no new business in CA or FL. | Affinity and military insurers | 0.69% | A+ (Superior) |
| 24 | AAA - The Auto Club GroupDearborn-based AAA club whose insurers sell AAA-branded home insurance to members in 13 states; Michigan's No. 3 home insurer in 2025. | AAA auto clubs | 0.68% | — |
| 25 | Slide InsuranceTampa insurer launched in 2022 that grew on Citizens takeouts and failed carriers' books into Florida's No. 5 home insurer; on Nasdaq (SLDE) since June 2025. | Florida and coastal specialists | 0.66% | — |
| 26 | COUNTRY FinancialIllinois Farm Bureau-affiliated mutual group selling home insurance through its own representatives in 19 states; the 3rd-largest home insurer in Illinois. | Regional carriers | 0.65% | A+ (Superior) |
| 27 | American Modern Insurance GroupMunich Re-owned specialty insurer for manufactured homes and for older, vacant, seasonal and rental homes that standard carriers turn down, sold through agents. | Manufactured home and specialty dwelling insurers | 0.63% | A+ (Superior) |
| 28 | AssurantThe leading U.S. writer of lender-placed (force-placed) home insurance, which also sells manufactured home, condo and homeowners policies in select states. | Manufactured home and specialty dwelling insurers | 0.63% | A+ (Superior) |
| 29 | Frontline InsuranceLake Mary, Florida coastal property insurer selling home, condo and high-value coverage through independent agents in nine Southeast and mid-Atlantic states. | Florida and coastal specialists | 0.62% | — |
| 30 | The HanoverWorcester, Massachusetts insurer founded in 1852 that sells home and auto packages only through independent agents in 19 states, led by Michigan. | Regional carriers | 0.56% | A (Excellent) |
| 31 | Homeowners Choice and TypTap (HCI Group)HCI Group's Florida-focused home insurers, Homeowners Choice, TypTap and the Tailrow reciprocal, built largely on Citizens takeouts and rated by Demotech. | Florida and coastal specialists | 0.55% | — |
| 32 | Tower Hill InsuranceFamily-controlled Florida homeowners specialist since 1972; Florida policies sit in the policyholder-owned Tower Hill Insurance Exchange, sold through agents. | Florida and coastal specialists | 0.54% | — |
| 33 | Heritage InsuranceTampa-based public insurer that grew out of Citizens takeouts and now writes homes in 16 states through Heritage P&C, Narragansett Bay and Hawaii's Zephyr. | Florida and coastal specialists | 0.52% | — |
| 34 | Private Client Select (AIG)The high-net-worth home insurance business AIG spun into an independent agency with Stone Point Capital in 2023; policies are still issued by AIG companies. | High-net-worth insurers | 0.50% | A (Excellent) |
| 35 | Shelter InsuranceColumbia, Missouri mutual founded in 1946 as MFA Mutual, selling home, auto and farm coverage through its own exclusive agents across the Midwest and South. | Regional carriers | 0.41% | — |
| 36 | North Carolina Farm Bureau InsuranceNorth Carolina's second-largest home insurer, a Raleigh mutual that sells only to NC Farm Bureau members through local agents in all 100 counties. | Farm Bureau insurers | 0.39% | A- (Excellent) |
| 37 | Farm Bureau Insurance (Southern Farm Bureau Casualty)Mississippi-based carrier owned by state Farm Bureaus that insures Farm Bureau members' homes in Mississippi, Arkansas, Colorado and Florida. | Farm Bureau insurers | 0.39% | A (Excellent) |
| 38 | Tennessee Farm Bureau InsuranceTennessee's second-largest home insurer, a Columbia-based mutual rated A+ that sells only to Tennessee Farm Bureau members through local agents. | Farm Bureau insurers | 0.37% | A+ (Superior) |
| 39 | NJM InsuranceNew Jersey's largest home insurer, a West Trenton company run for its policyholders that sells direct in NJ, PA, CT, MD and Ohio and pays NJ dividends. | Regional carriers | 0.36% | A+ (Superior) |
| 40 | Farm Bureau Financial ServicesWest Des Moines Farm Bureau insurer selling home insurance through exclusive agents in eight states, with a published roof payment schedule; #2 in Iowa. | Farm Bureau insurers | 0.36% | A (Excellent) |
| 41 | Alfa InsuranceMontgomery mutual founded in 1946 by the Alabama Farmers Federation; Alabama's #2 home insurer, sold by Alfa agents in Alabama, Georgia and Mississippi. | Farm Bureau insurers | 0.35% | A (Excellent) |
| 42 | American Integrity InsuranceTampa homeowners insurer founded in 2006 and public on the NYSE since 2025; sold by independent agents in Florida, Georgia and the Carolinas. | Florida and coastal specialists | 0.33% | — |
| 43 | The Andover CompaniesAndover, Massachusetts insurer founded in 1828, sold only through independent agents in eight states; a mutual holding company since January 2026. | Regional carriers | 0.32% | A (Excellent) |
| 44 | Mapfre InsuranceU.S. arm of Spain's Mapfre and the former Commerce Insurance of Webster, Mass.; the largest home insurer in Massachusetts, sold through independent agents. | Regional carriers | 0.29% | A (Excellent) |
| 45 | Sutton National InsuranceDelray Beach, Florida program carrier that issues policies for managing general agents, above all Bamboo's California homeowners program. | Program carriers and fronting insurers | 0.29% | A- (Excellent) |
| 46 | HippoPublicly traded insurtech founded in 2015 whose carrier, Spinnaker, writes Hippo homeowners policies and fronts programs for other MGAs; rated A- by AM Best. | Digital and insurtech insurers | 0.29% | A- (Excellent) |
| 47 | LemonadeApp-only insurer founded in 2015 that sells homeowners, condo and renters policies online in about two dozen states; Demotech-rated, with a charity Giveback. | Digital and insurtech insurers | 0.27% | — |
| 48 | Kentucky Farm Bureau InsuranceLouisville mutual formed in 1943 and Kentucky's second-largest home insurer, sold through Farm Bureau agents in all 120 counties; AM Best cut it to A- in 2025. | Farm Bureau insurers | 0.27% | A- (Excellent) |
| 49 | Texas Farm Bureau InsuranceWaco-based Farm Bureau insurer, writing in Texas since 1952 through county-office agents; Texas' ninth-largest home insurer, for Texas Farm Bureau members only. | Farm Bureau insurers | 0.25% | B++ (Good) |
| 50 | Grange InsuranceColumbus, Ohio insurer founded in 1935 by Ohio State Grange members, sold only through independent agents; with affiliate Integrity it writes home in 11 states. | Regional carriers | 0.25% | A (Excellent) |
| 51 | Kin InsuranceChicago insurtech founded in 2016 that sells home insurance online and by phone in 14 catastrophe-prone states through reciprocal exchanges it manages. | Digital and insurtech insurers | 0.25% | — |
| 52 | Markel (Markel American, Evanston and State National)Specialty insurer with no mainstream home policy: it writes hard-to-place homes through agents and wholesalers and fronts MGA programs via State National. | Program carriers and fronting insurers | 0.24% | A (Excellent) |
| 53 | Orion180Melbourne, Florida home insurer founded in 2016 that sells admitted and surplus lines home, FLEX and flood policies through independent agents in 14 states. | Florida and coastal specialists | 0.23% | — |
| 54 | SafePoint InsuranceTampa-area coastal home insurer founded in 2013 and sold through independent agents; 7th-largest in Louisiana, writing Florida via its Manatee reciprocal. | Florida and coastal specialists | 0.22% | — |
| 55 | Acuity InsuranceSheboygan, Wisconsin mutual founded in 1925 and rated A+ by AM Best and S&P that sells home insurance through independent agents, mostly in the Midwest. | Regional carriers | 0.22% | A+ (Superior) |
| 56 | Monarch National InsuranceTallahassee-based Florida homeowners insurer spun out of FedNat in 2022, now owned by Hale Partnership funds and sold through independent agents; Demotech A. | Florida and coastal specialists | 0.22% | — |
| 57 | Westfield InsuranceOhio mutual group founded in 1848 that sells homeowners, WesPak home-and-auto packages and WesPak Estate policies through independent agents in nine states. | Regional carriers | 0.22% | A (Excellent) |
| 58 | Berkley OneW. R. Berkley's personal lines unit for affluent households, selling home, auto, valuables and excess liability through independent agents in 30 states and D.C. | High-net-worth insurers | 0.21% | A+ (Superior) |
| 59 | QBE North AmericaNorth American arm of Australia's QBE Insurance Group; its U.S. homeowners book is in run-off after a 2025 exit decision, with California policies nonrenewing. | Program carriers and fronting insurers | 0.21% | — |
| 60 | Olympus InsuranceJacksonville-based Florida-only home insurer founded in 2007 and sold through independent agents; managed by SageSure and owned by Valence since January 2026. | Florida and coastal specialists | 0.20% | — |
| 61 | Homeowners of America (Porch)Irving, Texas home insurer founded in 2006, sold through independent agents; since 2025 owned by a policyholder reciprocal that Porch Group manages. | Digital and insurtech insurers | 0.19% | — |
| 62 | NYCM InsuranceEdmeston mutual founded in 1899 that writes home, auto and business insurance only in New York, through independent agents; the state's No. 6 home insurer. | Regional carriers | 0.18% | A (Excellent) |
| 63 | Stillwater Insurance GroupJacksonville insurer, once Fidelity National's P&C arm, selling homeowners in most states via agents and partners; California is about half its premium. | Regional carriers | 0.18% | B++ (Good) |
| 64 | Southern Oak InsurancePrivately held Florida-only home insurer founded in 2004 near Jacksonville, sold through independent agents; Demotech A-rated, frequent Citizens takeouts. | Florida and coastal specialists | 0.18% | — |
| 65 | Security First InsuranceOrmond Beach, Florida home insurer led by former state senator Locke Burt, selling HO-5, HO-3, condo, renters and landlord policies directly and through agents. | Florida and coastal specialists | 0.18% | — |
| 66 | Safe Harbor Insurance CompanyFlorida-domiciled coastal homeowners carrier founded in 2006, administered by Cabrillo Coastal and part of the Ocean Harbor group, which also owns Hawaii's HIG. | Florida and coastal specialists | 0.17% | — |
| 67 | Horace MannIllinois insurer founded by two teachers in 1945 that sells home, renters and auto coverage to educators through exclusive agents, with school-related perks. | Affinity and military insurers | 0.17% | A (Excellent) |
| 68 | Safety InsuranceBoston insurer, founded 1979, selling home and auto coverage through independent agents in Massachusetts, New Hampshire and Maine; MAPFRE is buying it. | Regional carriers | 0.17% | A (Excellent) |
| 69 | Clear Blue Insurance GroupFronting carrier group launched in 2015 whose Rock Ridge Insurance Company issues the homeowners policies Openly sells through independent agents in 24 states. | Program carriers and fronting insurers | 0.16% | A- (Excellent) |
| 70 | Vermont Mutual Insurance GroupMontpelier mutual dating to 1828 that sells home, auto and business coverage through independent agents in New England and New York; Vermont's top home insurer. | Regional carriers | 0.16% | A (Excellent) |
| 71 | West Bend InsuranceWisconsin insurer founded as a mutual in 1894, now owned by a mutual holding company, selling home insurance through independent agents in six states. | Regional carriers | 0.16% | A (Excellent) |
| 72 | Plymouth Rock Assurance (New Jersey)Plymouth Rock's New Jersey side: a policyholder-owned reciprocal whose High Point and AtHome companies sell home insurance in New Jersey and Pennsylvania. | Regional carriers | 0.15% | A- (Excellent) |
| 73 | Berkshire Hathaway GUARDBerkshire Hathaway's Wilkes-Barre small-business insurer, which sold homeowners policies through agents from 2018 and has been leaving the line since 2024. | Regional carriers | 0.15% | A+ (Superior) |
| 74 | Pacific Specialty InsuranceFamily-owned California insurer founded by Jack McGraw in 1976, selling homeowners, landlord, condo, renters and mobile home policies through agents. | Regional carriers | 0.14% | A- (Excellent) |
| 75 | Indiana Farm Bureau InsuranceIndianapolis Farm Bureau mutual, Indiana's 4th-largest home insurer, selling only in Indiana through agents in all 92 counties; membership required. | Farm Bureau insurers | 0.14% | A (Excellent) |
| 76 | Farm Bureau Insurance of MichiganLansing-based Farm Bureau mutual founded in 1949 that sells home, Lake Estate, farm and auto coverage only in Michigan through its own agents; AM Best A-. | Farm Bureau insurers | 0.14% | A- (Excellent) |
| 77 | Arbella InsuranceQuincy, Massachusetts mutual founded in 1988 that sells home, condo and auto insurance through independent agents in Massachusetts and Connecticut; AM Best A. | Regional carriers | 0.13% | A (Excellent) |
| 78 | Plymouth Rock AssuranceBoston-based, privately held insurer founded in 1982 that sells homeowners in Massachusetts, Connecticut and New Hampshire online, by phone and through agents. | Regional carriers | 0.13% | A- (Excellent) |
| 79 | Vault InsuranceFlorida high-net-worth insurer founded in 2017 that covers homes worth $2 million or more through agents, via a reciprocal exchange and a surplus lines company. | High-net-worth insurers | 0.13% | A- (Excellent) |
| 80 | Allied Trust InsuranceCoastal homeowners insurer founded in 2015 and managed from Tampa that sells through independent agents in Louisiana, Texas, North Carolina and South Carolina. | Florida and coastal specialists | 0.13% | — |
| 81 | Benchmark Insurance CompanyTrean-owned fronting carrier in Wayzata, Minnesota whose homeowners premium comes mostly from Texas policies it issues for the Swyfft homeowners program. | Program carriers and fronting insurers | 0.13% | A (Excellent) |
| 82 | GeoVera InsuranceFairfield, California catastrophe specialist known for residential earthquake insurance; its carriers, including SafePort, now write through SageSure. | Florida and coastal specialists | 0.12% | A (Excellent) |
| 83 | Auros and Interboro (SageSure carrier partners)Two Demotech-rated SageSure carriers: Auros, a policyholder-owned reciprocal in Louisiana, Mississippi and Texas, and Interboro, a century-old New York insurer. | Florida and coastal specialists | 0.12% | — |
| 84 | People's Trust InsuranceFamily-owned Florida insurer founded in 2008 that sells homeowners policies online, by phone and via agents and repairs many claims with its own contractor. | Florida and coastal specialists | 0.12% | — |
| 85 | Norfolk & Dedham Group and Union MutualTwo old New England mutuals, Norfolk & Dedham (1825) and Union Mutual of Vermont (1874), affiliated in 2024 and sold through independent agents in eight states. | Regional carriers | 0.12% | A (Excellent) |
| 86 | Texas FAIR Plan and Texas Windstorm Insurance AssociationTexas' insurers of last resort: the FAIR Plan sells basic homeowners coverage statewide, and TWIA sells wind and hail coverage on the coast. | State-backed insurers of last resort | 0.12% | — |
| 87 | Selective InsuranceNew Jersey commercial insurer, founded 1926, whose personal lines unit sells homeowners through independent agents in 15 states to mass-affluent households. | Regional carriers | 0.11% | A+ (Superior) |
| 88 | Kingstone InsuranceHudson Valley insurer with roots in an 1886 fire mutual; writes New York homeowners through agents, Demotech-rated, now testing California surplus lines. | Regional carriers | 0.11% | — |
| 89 | North Star MutualCottonwood, Minnesota mutual founded in 1920 that sells home, farm and auto insurance through independent agents in eight Upper Midwest and Plains states. | Regional carriers | 0.11% | A+ (Superior) |
| 90 | Cypress Property & CasualtyJacksonville, Demotech-rated insurer selling homeowners, condo and rental policies through agents in Florida and Texas, with a deductible installment plan. | Florida and coastal specialists | 0.11% | — |
| 91 | One Alliance North America InsuranceSun Belt home insurer formerly called Universal North America, sold through independent agents in nine states and owned by 5B Alliance since January 2025. | Regional carriers | 0.11% | B (Fair) |
| 92 | American Traditions InsurancePinellas Park, Florida insurer founded in 2006 for manufactured homes, now also writing homeowners and condo policies through independent agents; Demotech A. | Florida and coastal specialists | 0.11% | — |
| 93 | MS TransverseFronting carrier owned by Japan's MS&AD that issues admitted and surplus lines home policies for MGAs such as Openly, Bamboo and Wellington; AM Best A+. | Program carriers and fronting insurers | 0.11% | A+ (Superior) |
| 94 | PEMCO InsuranceSeattle mutual founded in 1949 that sells home, condo and renters insurance only in Washington and Oregon, by phone, online and through its own agents. | Regional carriers | 0.10% | — |
| 95 | US Coastal Insurance (Cabrillo Coastal)Two coastal homeowners insurers, one in New York and one in Florida (also writing in California), run by Cabrillo Coastal and sold through agents; Demotech A. | Florida and coastal specialists | 0.10% | — |
| 96 | DB Insurance (U.S. Branch)U.S. branch of South Korea's DB Insurance, writing homeowners in California through the Aegis General program, plus Hawaii, New York, New Jersey and Guam. | Regional carriers | 0.10% | A+ (Superior) |
| 97 | Georgia Farm Bureau InsuranceMacon-based mutual that sells home, farm and auto insurance only in Georgia, to Farm Bureau members, through agents in 158 of the state's 159 counties. | Farm Bureau insurers | 0.10% | B++ (Good) |
| 98 | Farmers Mutual of Nebraska (FMNE)Lincoln, Nebraska insurer founded by 22 farmers in 1891, selling home, farm and auto coverage through independent agents in Nebraska and the Dakotas. | Regional carriers | 0.10% | A (Excellent) |
| 99 | Loggerhead Reciprocal Interinsurance ExchangeTampa-based Florida reciprocal launched in 2022 by former AAA executives; it grew mainly by offering replacement policies to Progressive and Bankers customers. | Florida and coastal specialists | 0.09% | — |
| 100 | Donegal Insurance GroupMarietta, Pennsylvania insurer founded in 1889, sold by independent agents; it has been shrinking its personal lines book since 2024 to protect margins. | Regional carriers | 0.09% | A (Excellent) |
| — | Bamboo InsuranceUtah-based MGA founded in 2017 that writes California and Texas homeowners policies, mainly issued by Sutton National; controlled by CVC since 2025. | Digital and insurtech insurers | — | A- (Excellent) (Sutton National Insurance Company) |
| — | Bear River MutualUtah's oldest mutual property insurer, founded in Garland in 1909, selling home, condo, renters and dwelling policies only in Utah through independent agents. | Regional carriers | — | A- (Excellent) |
| — | Branch InsuranceColumbus, Ohio insurtech founded in 2017 that sells bundled home and auto insurance online and through agents, mostly via its member-owned reciprocal exchange. | Digital and insurtech insurers | — | — |
| — | California FAIR PlanCalifornia's insurer of last resort, a pool of all licensed property insurers selling basic fire policies; 696,562 policies in force in June 2026. | State-backed insurers of last resort | — | — |
| — | Co-operative Insurance CompaniesMember-owned Vermont insurer founded in 1915 for Grange farmers, writing home, mobile home, farm and auto coverage only in Vermont and New Hampshire. | Regional carriers | — | A (Excellent) |
| — | Foremost InsuranceFarmers-owned specialist founded in 1952 for mobile homes; also writes landlord, vacant, seasonal and standard home policies via independent and Farmers agents. | Manufactured home and specialty dwelling insurers | — | A (Excellent) |
| — | GEICO Homeowners Insurance (GEICO Insurance Agency)GEICO does not underwrite most home policies: its agency places home, condo and renters coverage with partner insurers that set the terms and pay claims. | National carriers | — | — |
| — | Homesite InsuranceBoston-based American Family company that underwrites home, condo and renters policies sold through partners such as the GEICO Insurance Agency and Progressive. | National carriers | — | A (Excellent) |
| — | Hyundai Marine & Fire InsuranceU.S. branch of a large South Korean insurer that writes Hawaii homeowners and hurricane-only policies sold by Hawaiian Hurricane Group via independent agents. | Program carriers and fronting insurers | — | A (Excellent) |
| — | Louisiana Citizens Property Insurance CorporationLouisiana's nonprofit insurer of last resort, created in 2003 to run the state's FAIR and Coastal plans, with rates set by law above the private market's. | State-backed insurers of last resort | — | — |
| — | Mountain West Farm Bureau InsuranceLaramie-based Farm Bureau insurer founded in 1948 that sells home, auto and ranch coverage in Wyoming and Montana; Idaho Farm Bureau bought it in 2026. | Farm Bureau insurers | — | B++ (Good) |
| — | Mutual of EnumclawWashington mutual founded by Enumclaw farmers in 1898 that sells its Member's Best home and auto bundle through independent agents in seven Western states. | Regional carriers | — | A- (Excellent) |
| — | National GeneralAllstate's independent-agent brand, bought in 2021, selling home, condo, renters and flood coverage through 55,000-plus agents; based in Winston-Salem, N.C. | National carriers | — | A+ (Superior) |
| — | NC Insurance Underwriting Association (Coastal Property Insurance Pool)North Carolina's market of last resort for the Outer Banks and 18 coastal counties, writing homeowners, dwelling and wind-only policies up to $1 million. | State-backed insurers of last resort | — | — |
| — | Neptune FloodThe largest U.S. private flood insurance provider, an MGA that places primary and excess flood policies with 45 insurers and reinsurers in all 50 states. | Digital and insurtech insurers | — | — |
| — | OpenlyBoston homeowners MGA founded in 2017 that sells HO-5 policies with guaranteed replacement cost through independent agents in 24 states. | Digital and insurtech insurers | — | A- (Excellent) (Rock Ridge Insurance Company) |
| — | Safeco InsuranceSeattle-born independent-agent insurer, owned by Liberty Mutual since 2008. The Safeco name was retired in April 2026; policies now carry Liberty Mutual's name. | National carriers | — | A (Excellent) |
| — | SteadilyOnline landlord insurer founded in 2020 that sells DP-1 and DP-3 rental-property policies in all 50 states, partly through its own Demotech-rated carrier. | Manufactured home and specialty dwelling insurers | — | — |
| — | SURE and Elevate (SageSure reciprocals)Two policyholder-owned Texas reciprocal exchanges that insure coastal homes through SageSure; Elevate is sold only through Goosehead agents. | Florida and coastal specialists | — | — |
| — | Wellington Insurance GroupFort Worth managing general agent that writes Texas homeowners and dwelling fire policies for about a dozen carriers, sold through independent agents. | Regional carriers | — | — |
Ranked by 2025 U.S. homeowners multiple peril direct premiums written (states and U.S. territories), from the NAIC 2025 Market Share Reports for Property/Casualty Groups and Companies. NAIC groups combine affiliated companies, so a group may sell under several brand names. Brands listed without a rank are part of a larger group or outside the top 100.