The 11 Best Home Insurers for Customer Satisfaction

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Home insurance is one of life’s necessary evils. Everybody hates paying the premiums, but you sure are glad the coverage is there when disaster strikes.

So, finding the right home insurance company is important. Some companies are better than others, and a few stand out among the best.

At the top of the heap is Amica Mutual, which ranks first in overall customer satisfaction in the J.D. Power 2021 U.S. Home Insurance Study. Amica topped No. 2-ranked Automobile Club of Southern California (AAA) by a healthy 14-point margin.

The 2021 study measured overall customer satisfaction based on five factors:

  • Interaction
  • Policy offerings
  • Price
  • Billing process and policy information
  • Claims

J.D. Power notes that homeowners with a “strong perception that their insurer is trustworthy” are four times more likely to say they “definitely will” renew their homeowners policy with their current insurer.

Among all the home insurers included in the 2021 study, the average overall customer satisfaction score was 825 out of 1,000 points.

Eleven companies earned above-average scores. They are:

  • Amica Mutual: 854
  • Automobile Club of Southern California (AAA): 840
  • Erie Insurance: 835
  • State Farm: 835
  • Automobile Club Group (AAA): 834
  • American Family: 831
  • Auto-Owners Insurance: 831
  • AIG: 830
  • Country Financial: 830
  • Allstate: 829
  • CSAA Insurance Group (AAA): 828

An additional 10 home insurance providers earned below-average scores, with Homesite earning the lowest score — 779 out of 1,000.

The USAA financial services company actually would have earned the top ranking — with its score of 882 — but it was excluded from J.D. Power’s rankings because USAA is open only to U.S. military members and their families.

J.D. Power surveyed nearly 12,000 homeowners and renters to come to its conclusions. To view how a particular insurer ranked, check out J.D. Power’s announcement about the study and scroll down to the graphic illustrating the rankings for homeowners insurance companies.

Cutting the cost of home insurance

Looking for a great deal on home insurance? One overlooked way to save is to join the right organization.

As we report in “Want a Home Insurance Discount? Join Any of These 5 Groups“:

“Various organizations offer their members discounts on such things as eye care, car insurance and homeowners insurance.”

For more ways to save, check out “How to Get the Best Deal on Homeowners Insurance.”

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