Install
Regional 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 |
|---|---|---|---|---|
| 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) |
| 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) |
| 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) |
| 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) |
| 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) |
| 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% | — |
| 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) |
| 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) |
| 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) |
| 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) |
| 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) |
| 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) |
| 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) |
| 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) |
| 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) |
| 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) |
| 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) |
| 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) |
| 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% | — |
| 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) |
| 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) |
| 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) |
| — | 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) |
| — | 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) |
| — | 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) |
| — | 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.