TheMoneyCraze

5 picks · editor's ranking

Best Home and Renters Insurance Companies of 2026

Home and renters insurance protect your belongings and your liability if someone is hurt at your place. Bundling with your auto policy is often the easiest way to save.

Check what each policy excludes — flood and earthquake damage are usually separate coverage.

Last reviewed October 23, 2026

Advertiser disclosure. Some listings may include affiliate links. If you apply through one, TheMoneyCraze may be compensated at no extra cost to you. This never changes our editorial coverage. Terms change — always confirm current details with the provider. How we make money

Get quotes

How to get the best insurance quote

Prices for the same coverage can vary a lot between insurers. A few minutes of comparison shopping is usually worth it.

  1. 1Get at least three quotes with the same coverage limits and deductibles.
  2. 2Ask about bundling home or renters with auto.
  3. 3Check safe-driving and low-mileage programs.
  4. 4Review your coverage every year and after big life changes.

Our picks at a glance

PickBest forAM Best ratingAction
1State FarmBest overallA++Visit site — State Farm (opens in a new tab)
2TravelersBest for homeownersA++Visit site — Travelers (opens in a new tab)
3AllstateBest for discountsA+Visit site — Allstate (opens in a new tab)
4AmicaBest for serviceA+Visit site — Amica (opens in a new tab)
5USAABest for military familiesA++Visit site — USAA (opens in a new tab)
#1Best overall

State Farm

State Farm Mutual Automobile Insurance Company

Best for: Working with a local agent

Top financial strength, local agents and easy bundling with auto and life.

Coverage
Auto, home, renters, life
Availability
Most states
Safe-driving program
Drive Safe & Save
  • Local agents
  • Safe-driving discount program
  • Bundle discounts
Show pros & cons
  • Top-tier financial strength (A++)
  • Large local agent network
  • Bundle car, home and life
  • Online-only shoppers may prefer a direct insurer

AM Best rating

A++

Visit site — State Farm (opens in a new tab)

Official site · not a sponsored link

Reviewed Oct 23, 2026

#2Best for homeowners

Travelers

The Travelers Companies

Best for: Home and auto through independent agents

A long history in home insurance and strong bundle options.

Coverage
Auto, home, renters
Availability
Most states
Safe-driving program
IntelliDrive
  • Local agents
  • Safe-driving discount program
  • Bundle discounts
Show pros & cons
  • Top-tier financial strength (A++)
  • Strong home and bundle options
  • Independent agents can shop for you
  • Not available in every state
  • No life insurance

AM Best rating

A++

Visit site — Travelers (opens in a new tab)

Official site · not a sponsored link

Reviewed Oct 23, 2026

#3Best for discounts

Allstate

The Allstate Corporation

Best for: Bundling with lots of discounts

A long list of discounts and agents nationwide.

Coverage
Auto, home, renters, life
Availability
All 50 states
Safe-driving program
Drivewise
  • Available nationwide
  • Local agents
  • Safe-driving discount program
  • Bundle discounts
Show pros & cons
  • Strong financial strength (A+)
  • Wide choice of discounts
  • Local agents nationwide
  • Prices vary widely — compare quotes

AM Best rating

A+

Visit site — Allstate (opens in a new tab)

Official site · not a sponsored link

Reviewed Oct 23, 2026

#4Best for service

Amica

Amica Mutual Insurance Company

Best for: Customer service and dividend policies

A mutual insurer known for customer service, with dividend-eligible policies.

Coverage
Auto, home, renters, life
Availability
Most states
Safe-driving program
—
  • Bundle discounts
Show pros & cons
  • Strong financial strength (A+)
  • Dividend policies can return part of your premium
  • Full personal coverage lineup
  • Not the cheapest option for every driver

AM Best rating

A+

Visit site — Amica (opens in a new tab)

Official site · not a sponsored link

Reviewed Oct 23, 2026

#5Best for military families

USAA

United Services Automobile Association

Best for: Military members, veterans and their families

Full home and renters coverage for eligible members.

Coverage
Auto, home, renters, life
Availability
Military families only
Safe-driving program
SafePilot
  • Safe-driving discount program
  • Bundle discounts
  • App-first experience
Show pros & cons
  • Top-tier financial strength (A++)
  • Full range of coverage
  • Built around military life
  • Only available to eligible military members, veterans and families

AM Best rating

A++

Visit site — USAA (opens in a new tab)

Official site · not a sponsored link

Reviewed Oct 23, 2026

AM Best ratings measure an insurer's financial strength and ability to pay claims — not price or customer service. Coverage, discounts and availability vary by state. Get quotes from several insurers for the same coverage to compare prices.

How we compare insurers

Our methodology

We review each provider's published terms and compare them on what matters most. Rankings are editorial: partners can't pay for a better position, and any sponsored link is labelled. Terms change, so every entry shows the date it was last reviewed.

01

Financial strength

AM Best ratings show an insurer's ability to pay claims.

02

Coverage options

Which lines of insurance you can buy and bundle in one place.

03

Availability

Where each insurer sells policies and any eligibility rules.

04

Ways to save

Bundling, safe-driving programs and other common discounts.

Quick answers

Frequently asked questions

Is renters insurance worth it?

For most renters, yes. It's usually inexpensive and covers your belongings and liability — your landlord's policy covers the building, not your things.

Does homeowners insurance cover floods?

Usually not. Flood damage typically requires a separate flood insurance policy.

Keep comparing

Best Car Insurance Companies of 2026Compare all insurers

Before you decide

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