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National carriers
- 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) |
| 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) |
| 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) |
| 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) |
| — | 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) |
| — | 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) |
| — | 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) |
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.