Best Homeowners Insurance Companies 2022

What is the best homeowners insurance? As a Homeowner, your home is one of the biggest and most important investments. So having a Home insurance policy that helps to protect your home and most expensive possessions from financial ruin is the best. Definitely, purchasing a policy from the best home insurance companies should be one of your best moves.

Best Homeowners Insurance Companies 2022
Best Homeowners Insurance Companies 2022

Your house and all the possessions add up to a very big investment. Homeowners insurance is an important secured net to protect that investment, so you should get it from the Best homeowners insurance company. However, looking for the best home insurance policy that suits you can prove to be a very challenging task.

The reason is they are many companies out there with different insurance coverage options. It is natural to want the cheapest homeowners insurance.  And also want the best mix of coverage from the best house insurance that can afford to pay your claims if disasters happen.

After looking at these factors, we have decided to present to you the best Homeowners insurance companies in 2022. Follow this article to the very end to check out the companies that can give you the best Homeowners insurance for your home.

Best Homeowners Insurance Companies

Without much ado, below are the top home insurance companies in 2022. We get our researches from top experts, so you can choose the best home insurance policy in this article that work best for you.


Chubb is one of the top insurance companies that offer home homeowners insurance for owners of expensive homes. They focus on rich and well-to-do clients. This company offers amazing coverage options including typical ones like HomeScan. This helps to uncover problems with your home that requires attention before they get spoilt or cause damage

This top homeowners insurance company also offers extended cost coverage for the replacement value of your possessions as part of its policy. It offers unusual benefits for its clients.  If your home cost more than you think to rebuild after a covered disaster, this company will pay more than your chosen dwelling limit to cover the cost.

 Although Chubb tends to be more expensive than other insurance companies, it offers a number of features in its homeowner’s policy that other insurers charge more for. However, you should know that it does not offer online quotes for most customers but has large numbers of discounts.


If you want the best homeowners insurance that offers the best online services, Nationwide is the best. It stands out by offering ordinance or law insurance in its homeowner’s insurance policy. In other words, if you have a covered loss and need to upgrade your home to meet the present building codes, this good home insurance may cover the cost.

With its user-friendly website, customers can track and file claims online. The website has a huge library of consumer-centric content. You can also file complaints and ask for information by using the customer service phone number. Also, this insurance company offers plenty of discounts.


This insurance company is one of the best homeowners insurance companies when it comes to online services. Lemonade is an online-only insurance company that makes use of artificial intelligence to give quick home insurance quotes and claim payments. To get a quote, all you just need to do is fill out the form on the website and choose the coverage you want

With lemonade insurance, you don’t need to leave your home to purchase the insurance policy. It has appealing and unique approaches to paying for its operations using company profits. Although the company is only available in 24 states in the United States, it offers amazing benefits and discounts.

State Farm

State Farm is one of the biggest insurers in the nation. Although it does not offer online quotes in all 50 states, it offers generous discounts and claim-free periods as well. State Farm provides a network of agents to serve its clients and also offers personal customer service.

This means you can speak to an agent near you, file online claims, or call customer service. Also, this company website has a user-friendly interface with an easy quote process that makes it easy to purchase the best policy that works for your needs.

READ MORE: What Does Homeowner Insurance Cover? – Homeowners Insurance Guide


Geico is popularly known for its auto insurance but it also offers amazing features in the home insurance space. This insurance policy is available in all 50 states and provides the cheapest homeowners insurance coverage. It also offers an impressive array of additional coverage options for customers.

It is a good option for customers who already have Geico auto insurance and want to keep all their policies in one place. As a customer, you can easily access the quote without speaking to an agent. However, there are lots of Geico agents that are ready to help you with the quotes if you want human interaction. Although this company does not write its own policies like other companies, it partners with other underwriting providers.

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