Top 10 home insurance companies. State Farm is the largest provider of homeowners insurance in the U.S., with $19.7 billion in direct premiums written in 2020. That figure is double the amount of the second-largest insurer, Allstate.
What is the 80% rule in homeowners insurance?
The 80% rule dictates that homeowners must have replacement cost coverage worth at least 80% of their home’s total replacement cost to receive full coverage from their insurance company.
Which insurance company is best for home insurance?
Insurance Company Best for Average annual premium*
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Allstate Best overall $2,326
Lemonade Best for digital experience N/A
Chubb Best for high-value home coverage $3,578
Amica Best for customer experience $1,863
