Compare home insurers side by side
Pick up to three home insurers and line up their size, financial strength ratings, where they sell and how to reach them, using the facts in each profile.
Runs entirely in your browser: nothing you enter is sent or stored by this site. Results are estimates for planning, not a quote or advice.
Choosing a home insurer takes more than a price. Size, financial strength, complaint record, where the company sells and how you reach claims all matter, and they live in different places. This tool puts up to three insurer profiles in one table so the facts line up. It compares companies, not quotes.
How to use it
Leave the type filter on "All types" or narrow it to one category, such as national carriers, regional carriers, Farm Bureau insurers or state-backed insurers of last resort. Then choose up to three insurers from the dropdowns. State Farm, Allstate and USAA are preselected as a starting point, so replace them with your own shortlist. Where an insurer is in the top 100, its rank appears beside its name in the list. Under the table, each insurer's profile link leads to the dates and sources behind the numbers. When you have two or three candidates, take their quotes to the homeowners quote comparison worksheet.
How the math works
Nothing is calculated. The table shows a row for each fact below, but only if at least one chosen insurer has it, and a dash marks a blank for the others. The rows are U.S. homeowners rank, market share and homeowners premiums for 2025; the AM Best rating and the date it was assigned or affirmed; S&P, Moody's, Demotech and KBRA ratings; J.D. Power and NAIC complaint notes; where the company sells and its recent market moves; how it sells (agents, online or both); ownership, founding year and headquarters; customer service and claims phone numbers; and the kind of homeowner it suits best.
Say, hypothetically, you compare a national carrier with a small regional one. The rank row shows a number for the first and a dash for the second if it falls outside the top 100, which says only that it is smaller, not worse.
What it assumes
Every cell is the value in that insurer's profile as of the profile's date. Rank, market share and premiums come from the NAIC's 2025 market share reports for homeowners multiple peril insurance, ranked by direct premiums written across the states and U.S. territories (direct premiums written). Financial strength ratings come from the rating agencies themselves (AM Best rating, demotech rating); Demotech and KBRA rate many of the Florida and coastal specialists that AM Best does not, J.D. Power results name the study and year, and the complaint note is based on the NAIC complaint index, where 1.00 is the national baseline. Phone numbers are the ones each company publishes.
Where it stops being right
Ratings change, and a profile's rating is only as current as its date. The table shows the AM Best date where the profile has one; for the other agencies, open the profile to see when the rating was published before you rely on it. Size figures belong to the NAIC group, which can include several brands, and a larger company is not automatically a better one.
Each measure answers a different question. A financial strength rating speaks to the ability to pay claims, not how claims are handled. J.D. Power surveys satisfaction in one study at a time, and the property claims study is separate from the overall home insurance study. The complaint index compares a company's share of complaints with its share of premiums, so a small insurer can swing it with a handful of complaints. The guides on Financial strength ratings: AM Best, S&P, Moody's and Demotech and What J.D. Power's home insurance studies measure explain what each one can and cannot tell you. "Where it sells" is a summary, since availability changes by state, product and property, so confirm it with the insurer. Nothing here prices your house, and two companies can quote the same home very differently (how to research a home insurer in 15 minutes).
Last reviewed October 10, 2026