1
SF
State Farm
Homeowners coverage through local agents
- Local agents in most communities
- Multi-policy discount when bundled with auto
- Optional coverages such as identity restoration
Updated October 2026 · dwelling coverage · deductible · exclusions
Compare the Best Home Insurance (2026)
Compare homeowners insurance quotes. Match on your home type and coverage needs, then review carriers side by side.
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By ZIP codeproviders that serve you
Step 1
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Providers
Featured home insurance providers
2
A
Allstate
Large carrier with a long list of home discounts
- Discounts for bundling, new homes and protective devices
- Claim-free and early-signing discounts
- Agents and online quotes
3
U
USAA
Insurance and banking for military members, veterans and their families
- Available to eligible military members, veterans and families
- Replacement cost for personal belongings on standard policies
- Bundle with USAA auto insurance
Our top picks, explained
Largest U.S. home insurer
SF
State Farm
The largest home insurer in the U.S., with agents who can walk through coverage line by line.
Pros and cons
- Local agent support
- Strong bundle savings
- New policies are limited in some high-risk states
Best for bundling
A
Allstate
A wide range of discounts can lower the price for homeowners who bundle or add protective devices.
Pros and cons
- Many ways to save
- Online tools and app
- Premiums can be higher without discounts
Best for military families
U
USAA
If you qualify for membership, it is one of the most popular choices among military households.
Pros and cons
- Strong reputation with military households
- Online and app service
- Membership eligibility required
Side-by-side comparison
SF | A | U | |
|---|---|---|---|
| Buy through | Local agents, online | Agents, online, app | Online, app, phone |
| Bundling | Auto, life, umbrella | Auto, life, renters | Auto, renters, life |
| Availability | Varies by state | Varies by state | Military members, veterans and eligible family |
| Visit site | Visit site | Visit site |
Provider details were checked against public sources in October 2026; confirm current rates and terms with the provider. Listings may include providers that compensate The Top 10 Experts. Order and placement may be influenced by compensation. Advertiser disclosure.
Before you choose
What to compare
Use these points to compare any home insurance provider, whether or not it appears on The Top 10 Experts.
Dwelling
Coverage A amount
Should reflect the cost to rebuild, which is different from market value or purchase price.
Replacement
Replacement cost vs. ACV
Replacement cost pays to replace items new. Actual cash value subtracts depreciation.
Deductible
Standard and wind/hail deductibles
Some areas use a separate percentage deductible for wind, hail or hurricanes.
Exclusions
What is not covered
Flood and earthquake are usually excluded and need separate policies.
Common questions
Is home insurance required?
Not by law, but mortgage lenders almost always require it.
Does it cover floods?
Standard policies do not. Flood coverage comes from the NFIP or private flood insurers.
How can I lower my premium?
Raise your deductible, bundle with auto, add protective devices and ask about claims-free discounts.
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