Top 10 best homeowners insurance companies for price rating, according to customer reviews on Clearsurance.com


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Written by
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Licensed Auto Insurance Agent
UPDATED: 2021-03-01T21:47:43.940Z
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A beautiful home at sunset with cheap homeowners insurance.

If you’re looking for the best cheap homeowners insurance, it can feel like a never-ending task to research the options available to you. To make getting a cheap homeowners insurance quote easier, Clearsurance has analyzed customer reviews using ratings based on price as the focus.

Here’s our top ten list of the companies that make getting cheap homeowners insurance easy and accessible.

Rank Company Average Price Rating (out of 5.0)
1 Lemonade Insurance 4.80
2 North Carolina Farm Bureau Mutual Insurance Company 4.42
3 USAA 4.41
4 Meemic Insurance Company 4.40
5 NJM Insurance 4.38
6 American International Group (AIG) 4.33
7 Hippo Insurance 4.31
8 Esurance 4.29
9 Farm Bureau Insurance of Tennessee 4.20
10 Erie Insurance Group 4.19

To be eligible for this list, companies must sell homeowners insurance and have at least 25 reviews on Clearsurance.com that rated the company's price.

Please note: A number of the companies on this list are also featured on some of our other “best of” lists, including best auto insurance by buying process, best homeowners by buying process, and best auto insurance by price. If you’re wondering how to get cheap home insurance and want a company that’s highly rated by its own customers, this post is a great place to start.

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1. Lemonade Insurance Company

Lemonade Insurance is a newer type of insurance company that uses artificial intelligence to speed up the insurance process. Application, underwriting, and claims are also almost completely digital, making each of those processes incredibly fast. Customers notice, and give Lemonade high marks for its speed and ease of use. Lemonade also landed in the top spot on the Clearsurance list of top ten homeowners insurance companies based on the ease of the buying process.

Out of a possible five stars, customers rated Lemonade’s homeowners insurance pricing at an impressive 4.80 stars, putting them in the number one spot on our list. Read all Lemonade Insurance customer reviews to learn more about what customers say about their experiences with the company. Lemonade homeowners insurance is available in many states and is expanding to others.

>>> Read more: What do customers think of Lemonade Insurance?

2. North Carolina Farm Bureau Mutual Insurance Company (available in North Carolina only)

Farm Bureau Mutual Insurance companies such as the North Carolina Farm Bureau Mutual Insurance Company were formed to address a problem. Farming can be dangerous, and because of this, frequently the insurance offered to farmers was unaffordable. In 1953, the North Carolina Farm Bureau formed to provide affordable insurance for farmers. Now, the company has grown and offers a range of insurance products, including homeowners insurance, to North Carolina residents.

Customers rated North Carolina Farm Bureau Mutual Insurance Company’s homeowners insurance pricing at 4.42 stars (out of 5 stars), a solid number two spot on our list. Check out all North Carolina Farm Bureau customer insurance reviews on Clearsurance.com.

3. USAA (available to military members and their families)

USAA Insurance has a devoted fan base that praises its service and pricing across the range of insurance it offers, including high ratings for its home insurance pricing. However, in order to qualify for USAA insurance, you must be an active or former member of the military, or related to someone who is.

Check and see if you are eligible to become a USAA member. Given its high ratings across many lines of insurance, it’s worth checking to see if you’re eligible. USAA has found spots high on our list of top auto insurance companies by price, and top homeowners insurance companies by buying process, too.

Customers rated USAA’s homeowners insurance pricing at 4.41 stars (out of 5 stars), putting them in the number three spot on our list, just narrowly missing a tie with the number two spot. Read all USAA insurance customer reviews on Clearsurance.com. USAA homeowners insurance is available in all 50 states.

4. Meemic Insurance Company (available to educators in Illinois, Michigan, Wisconsin)

Meemic Insurance Company began as the Michigan Educational Employees Mutual Insurance Company, known by its acronym M.E.E.M.I.C., an insurance company that serves educators. Eventually, they decided to drop the acronym and now are just called Meemic.

This is another insurance offering that requires eligibility. To be eligible, you must either teach or be on the staff of a school. That includes public, private, parochial or charter schools, and covers from elementary through high school. You may also be on the staff at a college or university to qualify, along with those who have retired from education positions.

Customers rated Meemic’s homeowners insurance pricing at 4.40 stars (out of 5 stars), putting them in the number four spot on our list. Do you want to learn more about Meemic? Read Meemic insurance customer reviews that policyholders submitted to Clearsurance.com.

>>> Read more: What do customers think of Meemic Insurance?

5. NJM Insurance Group (available in Connecticut, New Jersey, and Pennsylvania)

NJM Insurance was founded in 1913 as the New Jersey Manufacturers Casualty Insurance Company to assist injured workers with medical care and lost wages. NJM later expanded to serving the personal market by providing auto insurance and homeowners coverage, and now provides a range of personal and commercial insurance products in various Northeast and Mid-Atlantic states.

NJM also made the Clearsurance list of top ten best auto insurance companies for price. If you live in the region in which they offer coverage, it’s worth exploring to see if you can be covered.

Customers rated NJM Insurance Group’s homeowners insurance pricing at 4.38 stars (out of 5), placing fifth on our list. Be sure to read NJM insurance customer reviews on Clearsurance.com.

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6. American International Group, Inc. (AIG)

AIG is a global insurance company that provides a wide range of personal and commercial insurance products. Founded in 1919 as American Asiatic Underwriters, the company now operates in more than 80 countries and jurisdictions.

Customers rated AIG’s homeowners insurance pricing at 4.33 stars (out of 5), landing them in sixth place on our list. Read all AIG insurance customer reviews posted to Clearsurance.com. AIG home insurance is available in all U.S. states except Alaska.

7. Hippo Insurance

Hippo Insurance’s homeowners coverage is different from traditional companies’ offerings in several important ways. First, it’s an online and no agent business model, similar to many of the newer insurance companies.

Second, in its standard homeowner policies, Hippo Insurance provides coverage for appliances, protecting against things like mechanical breakdowns. Hippo considers this coverage for the way people live today. With our homes full of expensive electronic equipment, all of which would require insurance riders with other insurance companies, this additional coverage is a very forward-looking offering from Hippo.

Customers rated Hippo’s homeowners insurance pricing at 4.31 stars (out of 5 stars), and seventh place on our list. Read all Hippo Insurance customer reviews on Clearsurance.com to learn more. Hippo homeowners insurance is available in many U.S. states.

>>> Read more: What do customers think of Hippo Insurance?

8. Esurance

Esurance is part of Allstate. The company has always had a technology focus. It was one of the very first insurance companies to offer car insurance policies online. That emphasis on tech is now evident in their other insurance offerings, including homeowners insurance. Esurance’s website offers a homeowners insurance calculator, which can help determine how much homeowners insurance you need to have to be sufficiently covered.

Customers rated Esurance Inc.’s homeowners insurance pricing at 4.29 stars (out of 5 stars) and eighth place on the list. Read all Esurance customer reviews on Clearsurance.com. Esurance homeowners insurance is available in many U.S. states.

9. Farm Bureau Insurance of Tennessee (Tennessee only)

Farm Bureau Insurance was founded as a way to provide coverage to those who couldn't get coverage from insurance companies because farming was such dangerous work. Farm Bureau Insurance of Tennessee provides coverage for homes and vehicles in Tennessee, and also made the Clearsurance list of top ten best auto insurance companies based on price.

Out of a possible five stars, customers rated Farm Bureau Insurance of Tennessee’s homeowners insurance pricing at 4.20 stars, placing them in the ninth spot on our list. Learn more by reading Farm Bureau Insurance of Tennessee customer reviews on Clearsurance.com.

10. Erie Insurance Group

Erie Insurance Group was founded in 1924 in Pennsylvania. They offer a range of insurance products through an independent network of insurance agents, including home, auto, and life insurance. Erie Insurance Group was another company that found a spot on the Clearsurance list of best auto insurance companies rated by pricing and our list of top ten homeowners insurance companies for its buying process.

Customers rated Erie Insurance Group’s homeowners insurance pricing at 4.19 stars (out of 5) for the final spot, rounding out our list of the top ten. Be sure to check out all Erie Insurance customer reviews on Clearsurance.com. Erie homeowners insurance is available in 12 U.S. states and Washington, D.C.

If you want great homeowners insurance at a cheap price, start your buying process with the companies on this list to give you a head start in your research. You can also check out our best homeowners insurance rankings page to find out which home insurance companies are rated the best overall in your state and read cheap home insurance reviews. Get customized home insurance recommendations from the Recommendations Tool.

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