Install
Affinity and military insurers
- 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 |
|---|---|---|---|---|
| 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% | — |
| 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) |
| 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) |
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.