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The Homeowners Insurance Companies
with the Best Pricing in 2025

There are a lot of options when it comes to homeowners insurance. We'll help you find the one that's right for you.

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The Home Insurance Guide makes the process of getting home insurance more streamlined and efficient. To enable us to provide our content, we do sometimes collect revenue from our clients for consumers who visit their site from our site. We do not make any compensation for a consumer merely viewing our content. Although we sometimes adjust the ordering of which companies are profiled based on compensation, we make a point of reviewing each company independent of any compensation that may or may not be received to ensure we preserve the value that consumers enjoy from visiting our site.

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Ratings Methodology

TheHomeInsuranceGuide.com has conducted pricing research in the top metropolitan areas with the major home insurance carriers. In addition, we've conducted interviews with agents to gather opinions on pricing by the major carriers. The comments and ordering of our best pricing reviews is the product of this proprietary research. That said, home insurance pricing can vary greatly and we recommend you get multiple quotes from different highly rated carriers.

Pricing Ratings

Pricing Ratings Highlights

Progressive

Pricing Score

Progressive

Progressive continues to impress when it comes to pricing. Their rates were the lowest or second lowest in all markets reviewed in our research. Our recommendation is to always obtain a quote from Progressive.

See home insurance offer from Progressive
Branch Home Insurance

Pricing Score

Branch Home Insurance

Regarding cost, we found Branch typically offers low-to-average rates. Given the quality of their product, we consider their pricing to be more than fair.

See home insurance offer from Branch Home Insurance
Liberty Mutual

Pricing Score

Liberty Mutual

Liberty Mutual is typically known for having higher levels of service over rock bottom prices. In our pricing research, Liberty's prices varied by the particular locale. In some regions they have near the best pricing, whereas in other regions it is not as competitive. As a general matter, Liberty provides competitive pricing particularly for a large service-oriented company.

See home insurance offer from Liberty Mutual
Young Alfred

Pricing Score

Young Alfred

Young Alfred provides pricing options from multiple companies, including some of the large brands, to find the best value for you.

See home insurance offer from Young Alfred
Esurance

Pricing Score

Esurance

In our pricing research, we found Esurance to consistently have some of the better prices across many different regions.

See home insurance offer from Esurance
HiRoad - Renters

Pricing Score

HiRoad - Renters

Unlike their auto insurance policies, which offer variable monthly rates, renters through HiRoad comes at a fixed price for a 12-month contract. Customers generally agree that their renters policies are reasonably priced, particular when bundled with auto insurance.

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Kin

Pricing Score

Kin

Kin tends to operate in markets that the large insurance carriers shy away from or don't aggressively price their products in. In our research, Kin's quotes were much lower than the large brands. Also, they have a very streamlined process to get a quote, so if Kin's available in your area, be sure to get a quote.

See home insurance offer from Kin
Travelers

Pricing Score

Travelers

Travelers is typically known for having higher levels of service over rock bottom prices.  In our pricing research, Travelers prices varied by the particular locale.  In some regions they have near the best pricing, whereas in other regions it is not as competitive.  As a general matter, Travelers provides competitive pricing particularly for a large service-oriented company.

See home insurance offer from Travelers
Hippo

Pricing Score

Hippo

In our pricing research, Hippo's pricing ranged from very competitive to more middle of the pack. Fortunately, Hippo has a very easy and fast process to get a quote, so it's worth spending the couple of minutes to figure out just what type of rate they will provide for you.

See home insurance offer from Hippo
Lemonade

Pricing Score

Lemonade

In our pricing research, Lemonade had competitively priced rates. One big benefit of Lemonade is just how fast it is to get a quote. Lemonade can provide a quote in a minute or two by leveraging third party data on your home. Given it's so easy, why not get a quote from Lemonade and compare.

See home insurance offer from Lemonade
Allstate

Pricing Score

Allstate

Known for product and service over cheaper rates. In our pricing research, we found Allstate to not be price leader, but it did have a competitively priced offering.

See home insurance offer from Allstate
Savvy Home

Pricing Score

Savvy Home

Regarding price, Savvy's goal is to find customers the best pricing possible for quality home insurance coverage.

See home insurance offer from Savvy Home
Bubble Insurance Solutions

Pricing Score

Bubble Insurance Solutions

As a broker, Bubble provides users with multiple carrier options, so homeowners will be able to choose from carriers at a variety of price points.

See home insurance offer from Bubble Insurance Solutions
Compare

Pricing Score

Compare

Choose the best rate for you while viewing prices from a number of carriers. The price will depend on which carrier you choose.

See home insurance offer from Compare
Jupiter Insurance

Pricing Score

Jupiter Insurance

Typically renters insurance is highly variable based on the amount that is owned by the resident. However, Jupiter is a low cost provider, generally speaking.

See home insurance offer from Jupiter Insurance
Agile Rates

Pricing Score

Agile Rates

A major advantage of choosing a comparison site like Agile Rates is that they make quote comparisons easy. Homeowners can view a number of quotes at different price points and choose the one that best suits their coverage needs.

See home insurance offer from Agile Rates
Blue Sky

Pricing Score

Blue Sky

Have an insurance agent review options and pricing. Actual pricing will depend on the insurance companies that the agent represents.

See home insurance offer from Blue Sky
Gabi

Pricing Score

Gabi

As they send multiple quotes from a variety of providers, finding low prices is easy.

See home insurance offer from Gabi
Home Insurance King

Pricing Score

Home Insurance King

Have an insurance agent review options and pricing. Actual pricing will depend on the insurance companies that the agent represents.

See home insurance offer from Home Insurance King
homeinsurance.net

Pricing Score

homeinsurance.net

HomeInsurance.net will find you the lowest prices possible among the carriers they work with.

See home insurance offer from homeinsurance.net
Insurance Rates for Less

Pricing Score

Insurance Rates for Less

Have an insurance agent review options and pricing. Actual pricing will depend on the insurance companies that the agent represents.

See home insurance offer from Insurance Rates for Less
InsuranceHoney

Pricing Score

InsuranceHoney

You will receive a list of multiple policies and quotes, with a variety of prices. In most cases, users find affordable options among the suggestions offered.

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Kelly Klee

Pricing Score

Kelly Klee

Kelly Klee focuses no providing a premium level of service for a premium type of client. If price is your primary concern, this company may not be your best match.

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National Home Quotes

Pricing Score

National Home Quotes

Have an insurance agent review options and pricing. Actual pricing will depend on the insurance companies that the agent represents.

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Policygenius

Pricing Score

Policygenius

Policygenius gathers and recommends multiple relevant insurers and quotes. Among those suggested, you are likely to find affordable options.

See home insurance offer from Policygenius
Provide Insurance

Pricing Score

Provide Insurance

As multiple companies are reviewed, consumers are in the driver's seat. They can choose a competitive price.

See home insurance offer from Provide Insurance
SavingsJoy.com

Pricing Score

SavingsJoy.com

Although pricing is decided by the carriers themselves, Savings Joy works by finding homeowners the lowest prices possible.

See home insurance offer from SavingsJoy.com
Select Quote

Pricing Score

Select Quote

Select Quote will provide multiple options due to their relationships with carriers. The price will depend on which carrier you choose.

See home insurance offer from Select Quote
United States Insurance

Pricing Score

United States Insurance

Pricing depends on each individual carrier, but as United States Insurance works with several, you can expect them to find you the lowest prices possible.

See home insurance offer from United States Insurance
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