Comparing the Top 20 Home Insurance Companies

When it comes to choosing a homeowners insurance company, there’s a lot to be said for the big guys. Besides having recognizable names, the largest insurers tend to be time-tested and financially secure. You can have confidence they’ll be with you for the long haul, which could be decades, depending on how long you own your home.

Here are the 20 largest homeowners insurance companies, listed from largest to smallest by market share, according to A.M. Best, and including their financial strength ratings and notable home insurance discounts.

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Largest homeowners insurance companies in the U.S.

Company	% market share	A.M. Best financial strength rating	Notable home insurance discounts
Source: A.M. Best, market share based on direct written premiums in 2014
1. State Farm	19.97% ($17.23 billion direct premiums written)	A (excellent)	Bundling Safety features (such as a burglar alarm or fire sprinkler system) Impact-resistant roofing
2. Allstate	8.94% ($7.71 billion direct premiums written)	A+ (superior)	Bundling Age 55+ and retired Newly constructed home
3. Liberty Mutual	6.62% ($5.71 billion direct premiums written)	A (excellent)	Bundling Recently renovated home Claim-free for three years
4. Farmers	5.97% ($5.15 billion direct premiums written)	A (excellent)	Bundling Smoker-free household Recently updated household systems (plumbing, electrical, etc.)
5. USAA	5.44% ($4.7 billion direct premiums written)	A++ (superior)	Bundling Home age
6. Travelers	3.83% ($3.31 billion direct premiums written)	A (excellent)	Bundling Protective devices (smoke detectors, sprinkler system, burglar alarm, etc.) Green home (must be certified by Leadership in Energy and Environmental Design)
7. Nationwide	3.72% ($3.21 billion direct premiums written)	A+ (superior)	Bundling Age 60+ policyholder Married or widowed
8. American Family	2.81% ($2.43 billion direct premiums written)	A (excellent)	Bundling Loyal customer (at least five years) Age 50+ policyholder
9. ACE INA	2.69% ($2.32 billion direct premiums written)	A++ (superior)	Bundling Gated community Electrical backup in case of lightning
10. Erie Insurance	1.59% ($1.37 billion direct premiums written)	A+ (superior)	Bundling Early quote (seven to 60 days before policy begins) Safety features
11. Auto-Owners Insurance	1.38% ($1.19 billion direct premiums written)	A++ (superior)	Bundling Recently renovated home No claims made for three years
12. The Hartford	1.36% ($1.17 billion direct premiums written)	A+ (superior)	Bundling Retiree Loyal customer (at least four years)
13. MetLife Auto & Home	1.33% ($1.15 billion direct premiums written)	A (excellent)	Bundling Fire and theft prevention
14. AIG	1.01% ($874 million direct premiums written)	A (excellent)	Gated community Security camera system Gas-leak detector
15. Progressive	0.95% ($820 million direct premiums written)	A+ (superior)	Bundling
16. Citizens Property Insurance Corp.	0.92% ($795 million direct premiums written)	Not rated	Wind damage prevention Centrally monitored fire and/or burglar alarm
17. CSAA Insurance (offered through AAA auto clubs)	0.88% ($761 million direct premiums written)	A+ (superior)	Bundling Recently renovated home No claims made for three years
18. Universal Insurance Holdings	0.85% ($733 million direct premiums written)	Not rated	Home inspection for wind preparedness Centrally monitored burglar and/or fire alarm
19. Country Financial Property Casualty	0.81% ($701 million direct premiums written)	A+ (superior)	Bundling Age of electrical wiring Hail-resistant roofing
20. Tower Hill	0.79% ($680 million direct premiums written)	A- (excellent)	Ask a local agent