Best Home Insurance 2026

Best home insurance companies of 2026. Compare State Farm, Allstate, Lemonade and more for dwelling, liability, and personal property coverage.

Average Cost: $1,200–$2,000/year

#1 State Farm

Best overall for home insurance • Top-rated • Nationwide coverage

#2 Allstate

Best value home insurance • Competitive rates • Strong financial rating

#3 Liberty Mutual

Customizable home insurance • 12-month rate guarantee

#4 Nationwide

Vanishing deductible • SmartRide usage-based program

#5 Allstate

Most coverage add-ons • Drivewise & Milewise programs • A+ rated