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Companies and Earnings 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 |
|---|---|---|---|---|
| 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) |
| 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) |
| 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% | — |
| 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) |
| 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) |
| 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% | — |
| 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) |
| 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% | — |
| 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) |
| 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% | — |
| 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) |
| 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% | — |
| 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% | — |
| 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% | — |
| 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) |
| 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% | — |
| 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) |
| 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) |
| — | 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 | — | — |
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.