Kiplinger Readers' Choice Awards 2025: Homeowners Insurance Companies
The results of the Kiplinger Readers’ Choice Awards' best homeowners insurance company category.
Lisa Gerstner
About the Kiplinger Readers’ Choice Awards 2025
The Kiplinger Readers’ Choice Awards aim to recognize and celebrate the best products and services in the personal finance arena. We asked you, our Kiplinger community, to help us name the products and services you think have delivered excellent value in the past year.
The survey results, which we’re sharing here in our second annual Readers’ Choice Awards, offer valuable insight into which providers shine when it comes to your everyday interactions and experiences with them. Our Awards recognize excellence in everything from credit cards, banks and brokers to insurers, tax software and financial apps. For each category, we’ve listed an overall winner that earned the highest score. We’ve also highlighted other products and services that earned above-average scores for various criteria we asked readers to assess.
By voting, our community has helped us form our guide to the very best financial products. These are the products and companies that you think stand out from the crowd.
Kiplinger Readers' Choice Awards: Homeowners Insurance Companies
Readers rated their homeowners insurance provider based on how competitive the rates are, how positive the experience is when filing a claim and how likely they would be to recommend the insurance company to others. Most of the providers that collected accolades for homeowners insurance are also honorees for their auto-insurance services.
OVERALL WINNER: USAA
Outstanding for:
From just $107.88 $24.99 for Kiplinger Personal Finance
Become a smarter, better informed investor. Subscribe from just $107.88 $24.99, plus get up to 4 Special Issues
Sign up for Kiplinger’s Free Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
- Competitive rates
- Claims experience
- Most recommended
USAA topped the ranking among homeowner insurance policy providers as well, gaining high scores from readers in all three areas we asked them to rate. Readers like USAA for its affordable premiums and customer service during the claims process.
“Been with USAA for over 50 years, and their response to claims is superb and unmatched,” says one reader. “I recommend USAA simply because the company has great customer service and ensures we are satisfactorily covered,” says another. USAA home insurance plans are available nationwide.
Erie Insurance
Outstanding for:
- Competitive rates
- Claims experience
- Most recommended
Readers — especially those who have both a home and auto insurance policy with Erie — appreciate the insurance company’s customer service and pricing. If you bundle multiple policies, such as for homeowners and auto insurance, the typical discount is 20%, according to Erie. A discount is also available with an Erie homeowners insurance plan when you install smoke alarms, a burglar alarm system or an automatic sprinkler system in your home.
Amica
Outstanding for:
- Claims experience
- Most recommended
Although Amica didn’t score as highly as the other winners for its rates, there are a number of ways to get discounts. If you have a recently remodeled home, a newly built home, or zero claims over a three-year period, you may be eligible for a discount. Opting for paperless billing or installing a monitoring system for water or gas leaks are other ways to save.
AAA
Outstanding for:
- Competitive rates
AAA’s offerings vary by state, but many respondents rated the company highly for the competitive rates available in their state. Several respondents noted they are grateful that AAA offers coverage in areas where some other insurance companies are no longer present due to risk from natural disasters, such as in Florida and southern California.
Kiplinger Readers' Choice Awards Categories
- Readers' Choice Full-Service Brokers
- Readers' Choice Wealth Management
- Readers' Choice Cash Back Credit Cards
- Readers' Choice Travel Rewards Credit Cards
- Readers' Choice Airline Credit Card Rewards Programs
- Readers' Choice Hotel Credit Card Rewards Programs
- Readers' Choice National Banks
- Readers' Choice Internet Banks
- Readers' Choice Auto Insurance Companies
- Readers' Choice Annuity Providers
- Readers' Choice Tax Software
- Readers' Choice Peer-to-Peer Payment Services
-
The Top 10 Side Gigs For Retirees In 2026Money is freedom in retirement; here’s how to earn more of it with a profitable side gig
-
3 Retirement Changes to Watch in 2026: Tax EditionRetirement Taxes Between the Social Security "senior bonus" phaseout and changes to Roth tax rules, your 2026 retirement plan may need an update. Here's what to know.
-
The 'Yes, And...' Rule for RetirementRetirement rarely follows the script. That’s why the best retirees learn to improvise.
-
How Drones Can Affect Your Insurance CoverageHow insurers are using aerial imagery to assess homes, the backlash from policyholders and how state regulators are trying to rein in the practice.
-
My First $1 Million: Risk Management Consultant, 55, Marlborough, Mass.Ever wonder how someone who's made a million dollars or more did it? Kiplinger's My First $1 Million series uncovers the answers.
-
Divide and Conquer: Your Annual Financial Plan Made Easy, Courtesy of a Financial AdviserOverwhelmed by your financial to-do list? Split it into four quarters and assign each one goals that connect to the time of year. It could be life-changing.
-
$100,000 Travel Emergencies You Don't See Coming and How to PrepareTravel emergencies can get expensive fast. Here's how to protect your wallet from the worst case scenario.
-
The Financial Details Every Couple Should Share (Before There’s an Emergency)From passwords to policy numbers, having shared access to key accounts can prevent financial chaos when life throws a curveball.
-
I’ve Played 1,300+ Golf Courses: These Are the 4 on My 'Must-Play' List for 2026These four luxury golf courses offer an extraordinary experience for players this year.
-
Your Post-Accident Survival Guide, From an Insurance ExpertAfter a car accident, stay calm and document everything to preserve the facts. Remember: You don't have to solve the problem — that's why you have insurance.
-
How Prices Have Changed in Trump's First YearTrump campaigned on bringing prices down for Americans. Here's where prices stand one year into his second term.
