Your home is your largest and most meaningful investment. That’s why choosing the best home insurance is very important. It’s natural to want an affordable price, but you also need the right mix of coverage from an insurance company that will pay your claim if disaster strikes. A company that has reliable customer service is a necessity as well. Here, we’ve reviewed the best home insurance companies right now, so you can make an informed decision.
Nationwide
Nationwide offers ordinance or law insurance in its standard homeowner’s insurance policy. This means that your insurance may cover the costs if you need to update your home to meet current building codes. Nationwide is highly rated for its consumer experience. Policyholders can file and track claims by phone, online, or via the company’s site.
Hippo
Hippo was founded in 2015. This company is known for its technology and user experience. Hippo offers policies via its subsidiary Spinnaker Insurance and can provide a 60-second “instant quote” so that you can compare prices easily. Hippo’s high-tech focus is very evident in some of the extras that come with its policies. This includes smart home monitoring systems and virtual connections to home maintenance advisors.
Chubb
Chubb is mainly targeted at owners of expensive homes. Its services are tailored towards well-to-do clients. Chubb offers a number of coverages. This includes unique ones such as HomeScan, which can help uncover issues with your home that require attention before they could cause damage. This company has significantly fewer complaints to state regulators than other companies its size.
Travelers
Travelers may help cover additional costs of using environmentally friendly construction materials when rebuilding after a covered claim. Travelers also offer customers a discount if their homes are certified as “green” by LEED aka the Leadership Energy and Environmental Design.