While you can’t control the events that may cause damage to your home, you can control how well protected you are financially. A home insurance policy goes a long way in protecting your home, belongings, and family. In addition to the protection you get for your property, it also includes liability coverage in case someone else happens to get injured on your property. We recommend these seven home insurance companies because they offer good coverage along with competitive pricing and helpful customer service.
Lemonade
Lemonade is pretty new to the home insurance industry, but it stands out because it provides an easier claims process and faster reimbursements. The tech-driven home insurance provider relies on AI bots to review claims, so reimbursements are paid out a lot faster than competitors. Lemonade’s website is easy to use and quick to navigate, making it a great choice for those who would like to purchase a policy online. The only downside is that Lemonade’s policies are not available nationwide.
State Farm
State Farm has consistently been rated one of the best insurers in the nation and is one of the largest home insurance providers in the United States. It offers generous discounts for bundling and claim-free periods, as well as the flexibility to add additional insurance protection without paying more. State Farm also offers a personal customer service experience with an agent near you who can discuss your needs and tailor your coverage to suit you and your home. Customers can also purchase optional coverages such as accidental death and dismemberment, identity theft protection, and more.
Allstate
Allstate is an established provider in the insurance industry and has an A+ (Superior) rating by AM Best. Its comprehensive homeowners insurance policies include customizable coverage for your personal property and liability coverage. Allstate provides auto, renters, life, and motorcycle insurance, and it offers discounts for multi-policy bundling. The company’s website offers home value estimation tools to help you determine how much dwelling coverage you may need. However, online quotes are not available in all states. Allstate also charges slightly higher premiums than competitors.
