Homeowner's Insurance reviews from Reddit

Summary

We analyzed 292 Reddit reviews across 53 subreddits and 66 posts to rank the best Homeowner's Insurance brands recommended by redditors, including communities like r/pittsburgh, r/Dallas, r/homeowners, r/minnesota, r/InlandEmpire. Top-rated brands include State Farm (3.7/5), USAA (4.0/5), Progressive (4.1/5).

Stats

Reviews292

Subreddits53

Posts66

Brands92

Products14

Top communities

r/pittsburgh22 r/Dallas20 r/homeowners15 r/minnesota14 r/InlandEmpire14

292 reviews from

and

By Brand

By Product

State Farm

3.7

(36)

"I like state farm :-)"

"I’ll share a bit about my two fantastic experiences with State Farm."

"State Farm insured me with no issues."

"State Farm & American Family were both excellent to work with."

"I’ve filed 3 claims with State Farm and they were great about all of them."

"State farm was great after hail ruined our roof."

"Never had an issue with a claim."

"Pick reliability! State Farm."

"I'm with State Farm and very happy with them"

"Didn’t give us any issues."

USAA

4.0

(19)

"USAA had no issues insuring our log cabin even though we’re off grid with solar, propane and a wood stove."

"USAA is the lowest I've seen in southern Louisiana."

"USAA is the best if you’re eligible."

"I went to USAA but I'm a Vet."

"I highly recommend them if you are eligible."

"USAA was *phenomenal* in handling my mold claim."

"If you can USAA, they have been very reasonable."

"A friend was able to get USAA after State Farm said no."

"USAA."

"Usaa."

Progressive

4.1

(16)

"When my house's plumbing exploded during a botched renovation they made sure I was taken care of super quickly."

"They came out immediately and covered the cost of a brand new roof."

"We have ours through Progressive. My sister and her husband went through a broker and they were paying over $6k a year on their insurance. I told them to switch it to Progressive and it went down to $3k."

"Progressive homesite"

"Progressive has pretty good rates."

"Homeowners is half of what our windstorm is."

"My homeowners in Galveston county is through progressive."

"We just moved from American Family to Progressive."

"I use progressive and had a pipe burst this last freeze."

Travelers

4.3

(15)

"I’m not looking around anymore."

"They are wonderful, easy to work with, settles claims quickly."

"I went with Travelers. They were more affordable than a lot of other offers."

"I work for Travelers in the claims department; they are the best."

"They agreed to replace my entire roof- all I had to pay was a 1000 dollar deductible."

"Travelers. We had to file 2 claims and both times they sent someone out within 1 - 2 days."

"I’ve got travelers which has been great."

"My insurance agent recommended Travelers, and I also contacted a new agent and had them shop around too in December. I went with Travelers insurance for this year"

"With bundles and stuff, our home policy is about $1800 a year through travellers."

"We like Travelers."

Erie

4.3

(14)

"They have been wonderful and affordable for both car and home."

"I have them and love them. My price is affordable, much cheaper than the bigger names."

"I've been with Erie and the same agent since I started driving in 1999 and on my home since purchased in 2013."

"I've never had to make a claim on homeowners, only on auto, but my family has had Erie going back generations and have always loved it."

"I have mine through Erie Insurance and we're very happy."

"Look into your local erie office. They are pretty good in PA."

"I second Erie."

"Erie, travelers, USAA are all fantastic."

"I have fire with Erie as a second home."

"I have lived in a townhome for over 20 years and have always had Erie."

AAA

3.6

(14)

"OK, I finally was able to secure a homeowners policy saved $5000 over the fair plan. Give it up for AAA! Here is the email of my agent in case anyone needs help. She is awesome."

"I got a new broker and he's going to save my wife and I over 50% going from Safeco to AAA. Same exact coverage."

"I’ve been with aaa for about 5 or 6 years now and have yet to find someone cheaper."

"Try AAA. They will look for the best quote for you and you keep the same agent."

"I'm currently with AAA."

"We went with AAA after state farm pulled out on us"

"I have AAA for car & condo."

"AAA didn't hesitate to offer me a competitive policy."

"First option, call Triple A (yes they have home owners)."

"You might try Triple AAA."

Allstate

3.3

(12)

"We have Allstate."

"I’ve had Allstate for 10+ years."

"Allstate was about $700 cheaper than GEICO."

"Surprisingly Allstate gave me a very good rate"

"I went through Allstate and got a decent rate with both home and auto."

"Allstate. Flood claim. Total pack out and storage. $190,000 total claim including 2 suites at our local Hilton for 2 months."

"I renewed with Allstate for $4.6K. Those two insurance carriers were my only two options because of the age of my roof and the current fire lines insurance companies are going"

"I found an insurance broker who will search for the best rate for their clients and got someone that way."

"We got Allstate through a broker. The only thing I dont like is Allstate has changed their roof coverage so it’s all prorated now."

"I have Allstate alongside my car insurance."

Farmers

3.3

(11)

"Farmers beat everyone else's rate by far for us."

"I have used Farmers for decades and never had an issue."

"Farmers and they are pretty great to me."

"I've had Farmers in OK and AR, and they've been great."

"Farmers works fine."

"I heard Farmers only sells a certain amount of home insurance policies in CA per year the last time I talked to."

"I have Farmers Insurance. I think AAA also offers home insurance. I am not in a fire zone though."

"You can get quotes from one of the major insurers like Farmers or Statefarm."

"Not sure if they do land lease, I know ours went up something like 90% year over year."

"Farmers just wants to get the personal auto for their quotas."

Goosehead

4.4

(8)

"I just used Goosehead and they got me a nice policy with SageSure."

"Goosehead found me another insurer (Wilshire) that gave me more coverage."

"Goosehead is good."

"I just got a quote from goosehead, half the price of my farmers. 23 years with farmers. Switching tomorrow."

"I went to goosehead after farmers raised my rates. I did not get it back down to the original amount before the increase but was definitely cheaper than farmers."

"Give Goosehead Insurance a call. They are really good about finding you what is available and aren’t tied to specific carriers so they can shop for you."

"We asked our mortgage agent while buying recently and he recommended GooseHead."

#10

Amica

4.6

(7)

"The new policy has better coverage for around the same premium as Safeco."

"Amica is the answer."

"Issues resolved and reimbursed in full withing 2 weeks."

"Amica"

"Try Amica."

"My Amica home insurance actually went down $200 this year"

"We have Amica and while I am sure its not the lowest price, the one claim I filed in oh about 8 years now couldn't have been easier."

#11

Mercury

4.1

(7)

"Been using Mercury for home/auto for about 8 years now, no complaints."

"I’m using Mercury for our new build home in Fontana and it’s been great!"

"Take a look at mercury insurance, they have good rates."

"I have mercury. Been the cheapest so far"

"I have mercury. Been the cheapest so far."

"Mercury was super quick about taking care of shit."

"I have my home and car policies with Mercury and until now they've been the most affordable."

#12

Insurance Broker

4.5

(6)

"Go with an Insurance broker. They shop for rates on your behalf"

"I’m an insurance broker, I have some carriers who cover coastal properties."

"Contact an Insurance Broker and have them do the work."

"I would look at an insurance broker! Best options and can shop"

"Consider using a broker who will shop policies and prices for you."

"Using an ins. broker vs going to a particular company. They can run quotes for multiple companies and do a comparison for you."

#13

Costco

4.4

(5)

"Membership pays for itself if you use the insurance."

"It's the best decision I've made."

"Put in a quote with Costco my same coverage went from $750 for 6 months to $473. Now as I'm renewing next month it's $426 for full coverage."

"Please try Costco!"

"Try Costco."

#14

Chubb

3.8

(5)

"If you've got a high value home, you're going to want to go with a company like Chubb."

"If you can afford it, CHUBB."

"Chubb is great but they aren't particularly cheap."

"Chubb"

"Chubb is bougie, so I dont recommend them."

#15

Texas Farm Bureau

4.8

(4)

"Texas Farm Bureau is the best."

"The coverage and service are amazing."

"Really good response."

"Texas Farm Bureau is solid."

#16

Bamboo

3.6

(5)

"Bamboo was reasonable for us."

"Try Bamboo, we just had Farmer's try to jack up our rate 100%."

"I’ve been able to get Bamboo insurance (via Hippo) to provide somewhat reasonable quotes."

"My new policy is with a company called Bamboo."

"They can broker new policies through other insurers. The one they quoted is called Bamboo."

#17

Geico

3.4

(5)

"Geico (they connect you to one of their affiliates)"

"Ultimately, we secured insurance from Geico (which is provided by Homesite) for about $100 a month."

"GEICO! Only one that would take us."

"My contract is renewing and I was now going to have to pay $1458 (vs $1273 last year)."

"GEICO. You end up with Assurant, but that's what I use."

#18

Lemonade

4.3

(4)

"My current provider (Lemonade) is still the least expensive."

"I have Lemonade for our 850 sq. ft. condo in PS."

"Try Lemonade…you get an answer in minutes."

"Using lemonade (the app) independent brokers could not beat it the last 2 years."

#19

Liberty Mutual

4.3

(4)

"We have liberty mutual, we had to file a claim when our sewer line collapsed and they processed it immediately."

"We have liberty mutual before this and they are great."

"I've had great service from Liberty mutual"

"We went with Liberty Mutual and the rate was good!"

#20

Tower Hill

4.0

(4)

"They're a smaller company and they insured our 1950s home for $1900 a year without any hassle."

"Tower Hill"

"We have Tower Hill. They didn't jack up our rates after Ian, but they did to our Neighbor."

"Tower Hill is rated the best, but there is no reasonably priced ins in FL"

#21

Nationwide

4.0

(4)

"The best rate for the best package for us right now is Nationwide."

"We're with Nationwide, they've been good for several accidents on cars over the years."

"We went through a few before we settled on nationwide."

"Nationwide is good and so is Ameriprise for condos."

#22

Farm Bureau

4.0

(3)

"We decided yesterday to go with Farm Bureau. They're not the cheapest but are moderately priced and have a good report on consumer reports and A+ rating with the BBB."

"Farm Bureau is decent and easy."

"Farm Bureau has many policies for small farms."

#23

Cincinnati

3.7

3.0

3.0

(1)

"What I'm paying Florida Peninsula is probably the lowest I'll get."

#88

Mercury Insurance

3.0

(1)

#89

California Casualty

3.0

(1)

"California Casualty, but it's been a while since I've had rental property."

#90

American Integrity

1.0

(2)

"I can’t recommend which carrier would be best for you, but I can tell you which carriers I would avoid at all costs: American Integrity."

"Went from 2500 to 5200 post Ian."

#91

American Family Insurance

2.0

(1)

"After being with AmFam for a decade as a homeowner, and longer than that for vehicle insurance, we finally dropped them and went with a local company."

#92

Plymouth Rock

1.0

(1)

"Plymouth Rock is fucking bullshit."

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