Home Insurance reviews from Reddit
Summary
We analyzed 253 Reddit reviews across 60 subreddits and 71 posts to rank the best Home Insurance brands recommended by redditors, including communities like r/Minneapolis, r/Cleveland, r/venturacounty, r/ElkGrove, r/nova. Top-rated brands include State Farm (3.1/5), USAA (4.1/5), AAA (4.0/5).
Stats
Reviews253
Subreddits60
Posts71
Brands86
Products23
253 reviews from
and
By Brand
/By Product
#1
State Farm
3.1
(22)
"Over $100/month in savings & coverage is better than the online retailer I went with previously (Progressive)."
"No issues with State Farm for 7 years."
"I’ve had State Farm for 15 years & I love them. Really helped when a car ran into my house."
"Because State Farm does my car AND home it’s stupid cheap."
"I saved a lot when i switched from Allstate TO State Farm here in Mayfield."
"State Farm has been reliable for my condo insurance with zero claims over 35 years."
"I've been a customer for 40 years and have had a good experience with their car insurance."
"I have mine through State Farm bundled with my Auto and it’s about $20 a month."
"State Farm"
"We use statefarm and are very happy with our rates."
#2
USAA
4.1
(16)
"If so, USAA."
"We insured our condo through USAA, which is great for veterans and service members."
"If you qualify (military, spouse of military, maybe some others), USAA is an awesome company to have on your side."
"The top-rated insurance company in terms of customer satisfaction is USAA, but that's limited to service members and their families."
"USAA provided coverage without questioning my fire zone status."
"I have them for home and auto; claims have always been super easy!"
"One was roof damage due to wind and they paid me more than 20k over what it cost to replace."
"USAA has paid every claim I've filed. Quickly and efficiently."
"USAA has been decent in my experience."
"It's not the cheapest but if you have a claim they're great."
#3
AAA
4.0
(15)
"We bundle with AAA, all good experiences"
"Best combined coverage we could find and substantially cheaper."
"I can’t say enough great things about AAA. We lost our house in the Woolsey fire and they were in our driveway the next day with a check in hand."
"AAA seems to be the only good one left."
"I think the AAA suggestion might be a good one."
"Did you try AAA?"
"I have AAA if u have auto with them its cheap."
"We’re using AAA, State Farm shot themselves in the foot with their temper tantrum."
"Try AAA they should be much better"
"They’re reasonable for us but we also bundle home and auto."
#4
Progressive
3.9
(12)
"I got the best prices with Progressive for both home and car."
"Just be sure to bundle your auto with home to get the maximum deal."
"Progressive is the most generous in terms of giving out money."
"I use progressive and it seems to be cheap."
"Progressive HomeSite was cheap for me at comparable levels."
"I got coverage."
"I found a new insurer through Progressive's comparison shopping site."
"Progressive, been shopping around recently."
"Progressive, been shopping around recently."
"I got my home insurance via Progressive bc they do my car."
#5
Farmers
4.0
(11)
"Farmers Insurance ROCKS."
"Had a nice conversation and decided to go for it."
"Both Farmers and Foremost have insured us with no issues."
"Never had a reason to be unhappy with them"
"Most of our recent clients in Contra Costa County have gone with Farmers."
"I've heard people having luck getting insured with Farmers, AAA and also going with an insurance broker."
"I found a better rate than what anyone else was offering and with better coverage."
"I also use Farmers in town."
"I would call farmers local office."
"I have Farmers, but I don't think they are writing new policies."
#6
Erie
4.4
(10)
"Erie has always been the best Ive ever had... Usually cheapest for both home and auto and great service."
"I've had good luck ensuring old homes through Erie."
"Erie has been great so far for us."
"Kelly @ Langer Insurance. Best experience I've had."
"Based off their recommendations the best is Erie and Grange. We tell everyone to switch."
"Erie has the best homeowners insurance around"
"Second Erie!"
"If you live in a state covered by Erie Insurance. check them out."
"They have really good coverage and pay claims quickly."
"Had Erie until we got pitbulls."
#7
Travelers
3.9
(10)
"I second the commenter who said Travelers for home insurance. We had a pipe burst Christmas day that ruined our fully finished basement."
"FWIW I'm with Travellers via a broker. You should also look at Co-operators."
"I am using travelers (and just renewed)."
"Travelers"
"Your Travelers agent might be indie."
"My clients usually have great results with them."
"Travelers is the only insurance company willing to insure our flat roof home."
"We have a white EPDM roof and are insured through Travelers."
"They agreed to buy our roof fairly easily last fall."
"If your insurance is through Travelers... I’d go back to my agent..."
#8
Home Insurance
3.1
(9)
"I’m with Howden (my policy is underwritten by Aviva I believe) and having a lodger wasn’t a problem"
"Check with AAA"
"Ended up with Travelers with GEICO as the broker"
"Mercury. Call my agent. Will share in dm"
"I went through Ember JD insurance in the end, who do allow it."
"Almost all carriers are up 20-35% compared to last year’s premiums."
"We need to get a bill passed for California that says you can’t do auto insurance business in CA unless you are offering / providing Home insurance."
"Insurance companies are leaving California and good luck finding a new one to cover you."
"There really aren’t any insurance companies covering roof repairs in 2024."
#9
Safeco
4.7
(6)
"SafeCo. During Thomas had a team of private firefighters like some kind of Kardashian."
"It's the best deal for us. Had to file a claim a few years ago... the claim process was online and very easy."
"When we lived there, we had Safeco."
"They were amazing when a Safeco insured driver hit us which promoted us to switch."
"They insure my old house."
"We've had really good experiences with Safeco, owned by Liberty Mutual. They paid out with zero issues on our hail claim and provided great service for auto coverage."
#10
Geico
3.7
(7)
"My advice is to buy flood insurance."
"I just bought a house and got insurance with geico."
"We use Geico affiliate."
"I've only had one small claim and they were easy to work with."
"Geico has great prices for both home and car."
"Ended up going with Geico although Google searching shows the underwriter is sorta not great."
"Try Geico. Progressive is also a good choice."
#11
Allstate
3.1
(8)
"Give Ethan Reed at Allstate a call! Ended up saving like 1600$ a year with basically the same coverage!"
"I personally am currently with Allstate."
"Allstate covers."
"We ended up with AllState for homeowners."
"I went with Allstate. He found me a policy that worked."
"Allstate is known for not paying claims."
"Allstate is also difficult to settle claims with."
"Avoid Allstate like the plague. A decent amount of their customers switch after a claim."
#12
Farmers Insurance
3.1
(8)
"I cannot recommend them enough."
"Farmers has been excellent."
"Farmers Insurance in Goffstown. Just had a half million dollar claim for a house fire and they treated me right."
"Farmer's is the first place that quoted us."
"Farmers."
"My neighbors had AAA but were dropped for having a dog from the restricted breed list."
"I just switched from Farmers - they were awful."
"Farmers gave us an estimate that was so insulting, someone cried."
#13
Erie Insurance
4.0
(6)
"We did have Erie for homeowners insurance. Never needed to use it, so idk if it's the best."
"Recommend Erie too."
"Erie."
"Erie Sean Goral, LUTCF Founder & Chief Risk Officer Auto.Home.Life.Business."
"+1 Erie."
"I found the best coverage for my car + home insurance was Erie."
#14
Broker
4.5
(4)
"Use a broker to shop multiple rates for you every single year."
"Get an insurance broker to shop around for you."
"You should find an independent broker and have them check prices for you."
"Go to a broker and tell them what you're looking for in terms of coverage."
#15
Bamboo
4.0
(4)
"We eventually landed on Bamboo insurance."
"Not sure about wood shake roofs specifically, but we were having insurance issues... eventually landed on Bamboo insurance."
"I was able to get a policy through Bamboo."
"The rate was reasonable and it's been fine."
#16
Amica Mutual Insurance
5.0
(3)
"Amica provides great service and pays claims promptly."
"I've been with Amica for home and auto insurance for more than 40 years. They have always provided excellent service at reasonable prices."
"Amica is fantastic in all regards."
#17
Goosehead
5.0
(3)
"Local and trusted - works for you not the insurance companies."
"Paul Agombar goose head - 630-312-8469."
"Bill Smith at Goosehead provided excellent service for my home insurance policy."
#18
RACT
4.7
(3)
"I also am incredibly pleased with RACT. I have had a policy with them for years."
"RACT have been amazing for us. Very quick response times."
"They've always paid fine afterwards."
#19
Costco
4.7
(3)
"Have used them for years for car and home with no complaints."
"I used the Costco system to get quotes and found a better rate."
"Have you looked at Costco?"
#20
Lemonade
4.3
(3)
"I found Lemonade was the cheapest at $25/month."
"Try Lemonade or Progressive"
"Lemonade insurance is good"
#21
AMICA
4.3
(3)
"We have AMICA for the last 6 years. No claims, no complaints."
"Amica."
"Thinking of switching to Amica when I need to renew because they offered a really good bundle rate."
#22
Mercury
4.3
(3)
"We had the best experience of everyone in what needed done after a large claim."
"I bundle mercury home and auto and it is cheap relative to what some of my neighbors are paying."
"Talk to several brokers. I see a lot going to mercury right now."
#23
Nationwide
4.3
(3)
"The coverage I have is phenomenal; I had no real idea about my policy until this tragedy forced me to, but damn am I grateful."
"I’ve heard Nationwide is decent for this."
"They just sent my check from freeze damage (just over $6k). It was a painless process."
#24
Insurance Company
3.7
(3)
"The roof inspection was thorough, and after cleaning, it passed."
"I need to keep up the commercial general liability insurance for offering pet sitting."
"The new insurance plan is more expensive than my old insurance plan, but I hope to write some of that off as a business expense."
#25
NFU Mutual
5.0
(2)
"NFU Mutual and Nationwide are two common insurers for Listed Buildings."
"Excellent company, responsive and helpful. Also cheap."
#26
Wawanesa
5.0
(2)
"Very easy to add/remove things from the policy, never had any issues when we've needed to put a claim in."
"Wawanesa insurance provided me the best insurance premium quotes"
#27
Co-operative Insurance
5.0
(2)
"I use Co-Operative Insurance via the Ashe Insurance Agency. Excellent value, excellent service."
"I use Co-operative insurance from Middlebury. Their rates were lower than anyone else I looked at."
#28
Surex
5.0
(2)
"Ben Beazer with Surex has been a great broker for the past 6 years, and prices have blown away literally every company."
"Surex has been my go to, I do a price check every year across 6-7 and Aviva/surex has always been cheaper."
#29
West Bend
4.5
(2)
"West Bend is another favorite carrier that I had worked with and has excellent claims service."
"West bend has been good to me over the years."
#30
Halifax
4.5
(2)
"Covers upto 50ks worth of named items home and abroad"
"Very good."
#31
Grange
4.5
(2)
"Based off their recommendations the best is Erie and Grange. We tell everyone to switch."
"They have really good coverage and pay claims quickly."
#32
Intact
4.0
(2)
"Intact was the cheapest underwriter."
"If you insure your primary with them, they will often allow you to insure your rental property."
#33
CAA
4.0
(2)
"I have had CAA for the past 4 years and my new rate is $125/month."
"If you have vehicles, it’s best to bundle them with your home for a discount."
#34
BCAA
4.0
(2)
"Bcaa!"
"Shop around is best."
#35
Hippo
4.0
(2)
"They have been easy to deal with and pretty affordable."
#36
Auto-Owners
4.0
(2)
"Auto-Owners is probably your best bet for coverage."
"Auto owners never fails us"
#37
Aviva
4.0
(2)
"Was by far the most affordable listing we found."
"If you’re a Costco member it’s worth reaching out to Aviva, their broker, for a quote."
#38
Liberty Mutual
4.0
(2)
"Liberty Mutual has done really well for me."
"They seem expensive to me but haven't had any issues."
#39
Direct Line
3.5
(2)
"I went with direct line this year... most alternatives were more expensive for the same level of cover."
"Simply business is extortionate and have taken over price comparison sites."
#40
Brightside
5.0
(1)
"I have 10 Rolex’s and they’re all covered outside the house for loss and theft."
#41
Argos Insurance
5.0
(1)
"Give Joel Alexander a call. He owns Argos Insurance."
#42
AAMI
5.0
(1)
"AAMI has a “complete replacement cover” so you don’t have to guess the amount."
#43
Portal Insurance
5.0
(1)
"I got the cheapest rate through a broker at portal insurance."
#44
Concord
5.0
(1)
"My agent put me with Concord group and I saved 800 a year btwn home and auto"
#45
Walleye Insurance
5.0
(1)
"Have been super happy- walleyinsurace.com."
#46
National Insurance Brokers
5.0
(1)
"Call an independent insurance broker. They are able to quote your needs against dozens of insurers to get you the right coverage at the best price."
#47
American Family
5.0
(1)
"I switched from Travelers to American Family. I saved nearly 50%!"
#48
Country
5.0
(1)
"They have always been super easy and responsive when filling claims."
#49
Co operators
5.0
(1)
"Co operators has great insurance for waterfront properties."
#50
Insurance Broker
5.0
(1)
"The best home insurance options are those sold by insurance brokers, allowing for personal interaction and comparison."
#51
SGI
5.0
(1)
"The broker even told me they’re one of the best companies for insurance."
#52
HomeServices Insurance
5.0
(1)
"HomeServices Insurance is a brokerage that works with many different carriers and provides great claims service."
#53
AutoOwners
5.0
(1)
"AutoOwners is one of my favorite carriers with great claims service."
#54
Foremost
5.0
(1)
"Both Farmers and Foremost have insured us with no issues."
#55
Hippo Insurance
5.0
(1)
"Have had them for many years with a flat roof, no issues."
#56
German Shepherd
5.0
(1)
"They had no issues with the German shepherd."
#57
FMG
5.0
(1)
"They have been great, really helpful when making a claim."
#58
Brignole and Ghiri
5.0
(1)
"They found me solutions for homeowners insurance in a high risk area."
#59
Homeowners Insurance
4.0
(1)
"I'd call a homeowners insurance broker. Just google and you'll find plenty."
#60
Allianz
4.0
(1)
"Allianz were surprisingly easy to deal with and paid quickly."
#61
Coastal
4.0
(1)
"Try coastal here in mobile."
#62
Farm Bureau
4.0
(1)
"Farm Bureau."
#63
Honey
4.0
(1)
"I use Honey insurance for home insurance, but I've never had to make a claim."
#64
HomeProtect
4.0
(1)
"We used homeprotect and also frontier homes this year."
#65
Steadily
4.0
(1)
"Don't know if they do regular homeowners insurance but they got really good coverage at an affordable price."
#66
RAC
4.0
(1)
"4 Rolexes and home contents insurance for £300"
#67
Portage Mutual
4.0
(1)
"We previously used wawanesa, however, a year or two ago the price spiked."
#68
Independent Agent
4.0
(1)
"Go to an independent agent that can shop policies for you."
#69
Acuity
4.0
(1)
"We just signed with acuity. the market is getting really really tight."
#70
HQ Insurance
4.0
(1)
"Check out HQ Insurance."
#71
Pemco
4.0
(1)
"I use Pemco for both."
#72
Square One
4.0
(1)
"Square One! They do a great blend of personal and rental properties."
#73
Norfolk & Dedham
4.0
(1)
"The cheapest we could find was $3442 was through Norfolk & Dedham."
#74
Chubb
4.0
(1)
"Chubb. They can be spendy but their claims handling is first class."
#75
Paint
4.0
(1)
"The polyurethane worked well to fill the holes after removing the nails."
#76
Andrako Insurance
4.0
(1)
"They shop for you and provide good coverage."
#77
Oman Insurance
4.0
(1)
"Oman Insurance provides good coverage for home insurance."
#78
Square One Insurance
4.0
(1)
"Square One Insurance has really great rates and good customer service."
#79
Insure Homes Direct
4.0
(1)
"Handled two claims well over 20 years."
#80
Cincinnati Insurance
4.0
(1)
"They have really good coverage and pay claims quickly."
#81
GEICO
2.0
(2)
"I was offered to transfer my policy to RLI which is almost double what I was paying."
"My Geico condo insurance in La Mesa doubled this year, to $2k with bundled policy and military discounts."
#82
California Fair Plan
3.0
(1)
"You will need to buy a supplemental insurance for liability."
#83
Homesite
3.0
(1)
"Ended up with Homesite, bought through GEICO as broker."
#84
Heritage
3.0
(1)
"One company (Heritage, I think) would insure homemade boats, but only wood boats OR composite boats - not fiberglass over wood, which is my boat."
#85
Cumberland
3.0
(1)
"Prices high, but not many options out there for flat roofs."
#86
Country Financial
1.0
(1)
"Fucking anyone but Country financial. They’ve screwed us over so bad."
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