Best Colorado Homeowners Insurance for 2026
Auto-Owners has the best home insurance overall, but Allstate may be cheaper.
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- Auto-Owners is the best homeowners insurance company for most people in Colorado thanks to its strong customer satisfaction ratings, competitive premiums and flexible coverage options.
- The average cost of homeowners insurance in Colorado is $4,717 per year, or about $393 per month.
- Colorado homeowners face elevated risks from hailstorms, wildfires and severe weather claims.
Best homeowners insurance in Colorado
The best homeowners insurance companies in Colorado have different strengths, with some offering cheap rates and others providing broader coverage options or better customer satisfaction. Colorado homeowners can face elevated risks from hailstorms, wind damage and wildfires, which makes getting a policy with the right features especially important.
Best overall homeowners insurance in Colorado : Auto-Owners
Average annual rate: $2,372
Why we chose it: Auto-Owners combines strong customer satisfaction ratings with competitive pricing for Colorado homeowners. The insurer also offers several useful optional add-ons, including guaranteed replacement cost
Who it’s best for: Homeowners who want dependable customer service, affordable rates and strong policy customization options.
PROS
- Strong customer satisfaction and claims reputation
- Several useful optional coverages available
- Independent agents provide personalized support
CONS
- No online quotes or claims process
- Not the cheapest rates in the state
Best cheap home insurance in CO : Allstate
Average annual rate: $1,879
Why we chose it: To start, Allstate offers the lowest average home insurance rate among the companies on our list. But then the insurer also provides several discounts that can lower coverage costs even more. Plus, it doesn’t skimp on optional coverage add-ons, which may be appealing to Colorado homeowners who want to keep their costs as low as possible without losing some flexible policy features.
Who it’s best for: Colorado homeowners looking for affordable coverage along with the option of multiple add-ons and discount opportunities.
PROS
- Lowest average rates in the state
- Several discounts for bundling and smart devices
- Wide range of optional coverage add-ons
CONS
- Higher-than-average number of customer complaints
- Coverage options vary by location
Best for customer service : Shelter Insurance
Average annual rate: $3,403
Why we chose it: Shelter earned the highest LendingTree star rating among the insurers on our list, reflecting strong customer satisfaction and ease of use. The company also relies on local agents who can help homeowners customize policies and navigate claims more easily.
Who it’s best for: Homeowners who value personalized support and are willing to pay a little more for strong customer service.
PROS
- Highest star rating among listed insurers
- Roughly half as many customer complaints as other companies its size
- Local agents provide personalized guidance
CONS
- Average premiums run higher than cheaper competitors
- Mobile app doesn’t get the best ratings
Compare Colorado home insurance rates and ratings
| Company | Annual rate* | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
| Allstate | $1,879 | 4/5 | 1.2 |
 | State Farm | $2,208 | 4/5 | 1.4 |
 | Auto-Owners | $2,372 | 4/5 | 0.5 |
 | Farm Bureau | $2,678 |  3.5/5 | 0.6 |
| Shelter | $3,403 | 4.5/5 | 0.4 |
 | USAA* | $3,749 | 4/5 | 0.5 |
 | Nationwide | $4,136 | 3.5/5 | 1.2 |
 | American Family | $4,195 | 4/5 | 0.4 |
Home insurance rates in Colorado can vary widely between insurers. Comparing quotes from multiple companies may help you find lower premiums, stronger coverage options and better discounts.
LendingTree analyzed home insurance quotes from every Colorado ZIP code to identify the best options for you.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in your state.
See our full methodology.
How much is homeowners insurance in Colorado?
The average cost of homeowners insurance in Colorado is $4,717 per year, or about $393 per month.
Colorado homeowners often pay higher premiums because insurers face elevated risks from hailstorms, wildfires and severe wind damage across the state.
Rates can also vary widely depending on where you live, your home’s age and the amount of dwelling coverage
Average home insurance rates by dwelling coverage amount
Home insurance rates in Colorado usually increase as your dwelling coverage limits rise.
| Company | $300,000 | $400,000 | $550,000 | $750,000 |
|---|---|---|---|---|
| Allstate | $1,784 | $1,879 | $2,030 | $3,002 |
| Auto-Owners | $1,911 | $2,372 | $2,572 | $3,763 |
| Shelter | $2,587 | $3,403 | $4,490 | $6,956 |
| State average | $3,889 | $4,717 | $5,847 | $7,234 |
Colorado home insurance rates by city
Home insurance rates can vary widely across Colorado depending on local weather risks, rebuilding costs and claim trends. Fruitvale and Grand Junction have the lowest average premiums in the state at $1,933 and $1,954 per year, respectively.
Both cities sit on Colorado’s Western Slope, where homeowners generally face less severe hail exposure than many communities along the Front Range and High Plains.
Holyoke and Burlington have the highest average home insurance premiums in Colorado at $6,356 and $6,360 per year, respectively. Both communities sit in eastern Colorado near the High Plains region, where hail can cause significant property damage, which then drives up insurance rates.
Hailstorms in the High Plains and in the higher elevations of Colorado’s nearby Front Range are typically denser than anywhere else in the country, according to the Insurance Institute for Business & Home Safety, which is why they can cause so much more damage.
| City | Average rate |
|---|---|
| Acres Green | $5,345 |
| Agate | $5,729 |
| Aguilar | $4,269 |
| Air Force Academy | $5,282 |
| Akron | $6,012 |
| Alamosa | $2,371 |
| Alamosa East | $2,366 |
| Allenspark | $4,554 |
| Alma | $3,223 |
| Almont | $2,249 |
| Amherst | $6,169 |
| Anton | $5,863 |
| Antonito | $2,389 |
| Applewood | $4,980 |
| Arapahoe | $6,007 |
| Arlington | $5,651 |
| Arriba | $5,631 |
| Arvada | $4,966 |
| Aspen | $2,199 |
| Atwood | $5,723 |
| Ault | $4,720 |
| Aurora | $5,199 |
| Austin | $2,095 |
| Avon | $2,196 |
| Avondale | $5,439 |
| Bailey | $4,037 |
| Basalt | $2,196 |
| Battlement Mesa | $2,151 |
| Bayfield | $2,262 |
| Bedrock | $2,332 |
| Bellvue | $4,264 |
| Bennett | $5,446 |
| Berkley | $4,957 |
| Berthoud | $4,254 |
| Bethune | $6,104 |
| Beulah | $5,121 |
| Black Forest | $5,759 |
| Black Hawk | $4,180 |
| Blanca | $2,779 |
| Blende | $5,479 |
| Blue River | $2,533 |
| Boncarbo | $4,182 |
| Bond | $2,384 |
| Boone | $5,441 |
| Boulder | $4,554 |
| Bow Mar | $4,921 |
| Branson | $4,905 |
| Breckenridge | $2,514 |
| Briggsdale | $5,196 |
| Brighton | $4,988 |
| Brookside | $3,623 |
| Broomfield | $4,556 |
| Brush | $5,962 |
| Buena Vista | $2,336 |
| Buffalo Creek | $4,785 |
| Burlington | $6,360 |
| Burns | $2,682 |
| Byers | $5,911 |
| Cahone | $2,294 |
| Calhan | $5,639 |
| Campo | $5,503 |
| Canon City | $3,595 |
| Capulin | $2,444 |
| Carbondale | $2,127 |
| Carr | $4,769 |
| Cascade | $5,511 |
| Castle Pines | $5,274 |
| Castle Pines North | $5,248 |
| Castle Rock | $5,249 |
| Cedaredge | $2,204 |
| Centennial | $5,156 |
| Center | $2,281 |
| Central City | $3,983 |
| Chama | $2,921 |
| Cherry Creek | $5,196 |
| Cherry Hills Village | $5,064 |
| Cheyenne Wells | $6,155 |
| Chromo | $2,302 |
| Cimarron | $2,389 |
| Cimarron Hills | $5,551 |
| Clark | $2,771 |
| Clifton | $1,959 |
| Climax | $2,670 |
| Coal Creek | $4,479 |
| Coaldale | $3,468 |
| Coalmont | $2,681 |
| Collbran | $2,437 |
| Colorado City | $4,774 |
| Colorado Springs | $5,427 |
| Columbine | $4,987 |
| Columbine Valley | $4,844 |
| Commerce City | $5,135 |
| Como | $3,641 |
| Conejos | $2,471 |
| Conifer | $5,239 |
| Cope | $5,869 |
| Copper Mountain | $2,502 |
| Cortez | $2,064 |
| Cory | $2,304 |
| Cotopaxi | $3,486 |
| Cowdrey | $2,988 |
| Craig | $2,355 |
| Crawford | $2,476 |
| Creede | $2,294 |
| Crested Butte | $2,191 |
| Crestone | $2,427 |
| Cripple Creek | $4,316 |
| Crook | $5,859 |
| Crowley | $5,712 |
| Dacono | $4,701 |
| Dakota Ridge | $5,037 |
| De Beque | $2,341 |
| Deer Trail | $5,978 |
| Del Norte | $2,303 |
| Delta | $2,045 |
| Denver | $5,187 |
| Derby | $5,119 |
| Dillon | $2,530 |
| Dinosaur | $2,712 |
| Divide | $4,453 |
| Dolores | $2,224 |
| Dove Creek | $2,164 |
| Dove Valley | $5,185 |
| Drake | $4,209 |
| Dumont | $3,416 |
| Dupont | $4,938 |
| Durango | $2,229 |
| Eads | $6,116 |
| Eagle | $2,278 |
| East Pleasant View | $4,981 |
| Eastlake | $4,762 |
| Eaton | $4,875 |
| Eckert | $2,088 |
| Eckley | $6,163 |
| Edgewater | $5,014 |
| Edwards | $2,173 |
| Egnar | $2,430 |
| El Jebel | $2,160 |
| El Moro | $4,452 |
| Elbert | $5,685 |
| Eldorado Springs | $4,932 |
| Elizabeth | $5,624 |
| Empire | $3,337 |
| Englewood | $5,035 |
| Erie | $4,578 |
| Estes Park | $3,572 |
| Evans | $4,881 |
| Evergreen | $4,625 |
| Fairmount | $4,943 |
| Fairplay | $3,116 |
| Federal Heights | $4,837 |
| Firestone | $4,466 |
| Flagler | $5,948 |
| Fleming | $5,974 |
| Florence | $3,692 |
| Florissant | $4,670 |
| Fort Carson | $5,197 |
| Fort Collins | $4,144 |
| Fort Garland | $3,027 |
| Fort Lupton | $4,894 |
| Fort Lyon | $5,708 |
| Fort Morgan | $5,923 |
| Fountain | $5,451 |
| Fowler | $5,110 |
| Foxfield | $5,392 |
| Franktown | $5,578 |
| Fraser | $2,759 |
| Frederick | $4,496 |
| Frisco | $2,489 |
| Fruita | $1,966 |
| Fruitvale | $1,933 |
| Galeton | $5,041 |
| Garden City | $4,992 |
| Gardner | $3,964 |
| Gateway | $2,147 |
| Genesee | $5,027 |
| Genoa | $5,551 |
| Georgetown | $3,329 |
| Gilcrest | $4,858 |
| Gill | $5,199 |
| Glade Park | $2,289 |
| Glen Haven | $3,997 |
| Glendale | $5,209 |
| Gleneagle | $5,361 |
| Glenwood Springs | $2,300 |
| Golden | $4,890 |
| Granada | $5,868 |
| Granby | $2,698 |
| Grand Junction | $1,954 |
| Grand Lake | $2,890 |
| Grand View Estates | $5,529 |
| Granite | $2,570 |
| Grant | $3,668 |
| Greeley | $4,924 |
| Green Mountain Falls | $5,534 |
| Greenwood Village | $5,155 |
| Grover | $5,101 |
| Guffey | $3,488 |
| Gunbarrel | $4,544 |
| Gunnison | $2,404 |
| Gypsum | $2,180 |
| Hamilton | $2,498 |
| Hartman | $5,642 |
| Hartsel | $3,252 |
| Hasty | $6,142 |
| Haswell | $5,902 |
| Haxtun | $6,068 |
| Hayden | $2,434 |
| Henderson | $5,007 |
| Hereford | $5,174 |
| Hesperus | $2,392 |
| Highlands Ranch | $5,081 |
| Hillrose | $5,833 |
| Hillside | $3,441 |
| Hoehne | $4,632 |
| Holly | $5,944 |
| Holly Hills | $5,078 |
| Holyoke | $6,356 |
| Homelake | $2,528 |
| Hooper | $2,449 |
| Hot Sulphur Springs | $2,716 |
| Hotchkiss | $2,180 |
| Howard | $3,384 |
| Hudson | $5,306 |
| Hugo | $5,818 |
| Hygiene | $4,265 |
| Idaho Springs | $3,619 |
| Idalia | $5,754 |
| Idledale | $5,162 |
| Ignacio | $2,210 |
| Iliff | $5,750 |
| Indian Hills | $4,967 |
| Inverness | $5,181 |
| Jamestown | $5,023 |
| Jaroso | $2,891 |
| Jefferson | $3,354 |
| Joes | $5,918 |
| Johnstown | $4,715 |
| Julesburg | $6,096 |
| Karval | $5,594 |
| Keenesburg | $5,428 |
| Ken Caryl | $4,979 |
| Kersey | $5,279 |
| Keystone | $2,539 |
| Kim | $4,790 |
| Kiowa | $5,554 |
| Kirk | $5,805 |
| Kit Carson | $5,922 |
| Kittredge | $4,797 |
| Kremmling | $2,486 |
| La Jara | $2,388 |
| La Junta | $5,638 |
| La Salle | $4,913 |
| La Veta | $4,008 |
| Lafayette | $4,695 |
| Lake City | $2,201 |
| Lake George | $3,932 |
| Lakewood | $5,000 |
| Lamar | $6,242 |
| Laporte | $4,179 |
| Larkspur | $5,257 |
| Las Animas | $5,766 |
| Lazear | $2,302 |
| Leadville | $2,447 |
| Leadville North | $2,444 |
| Lewis | $2,277 |
| Limon | $5,832 |
| Lincoln Park | $3,600 |
| Lindon | $5,806 |
| Littleton | $5,035 |
| Livermore | $4,199 |
| Lochbuie | $5,206 |
| Log Lane Village | $5,823 |
| Loma | $2,085 |
| Lone Tree | $5,332 |
| Longmont | $4,562 |
| Louisville | $4,739 |
| Louviers | $5,011 |
| Loveland | $4,153 |
| Lucerne | $5,015 |
| Lyons | $4,638 |
| Mack | $2,291 |
| Manassa | $2,437 |
| Mancos | $2,166 |
| Manitou Springs | $5,557 |
| Manzanola | $5,715 |
| Marvel | $2,324 |
| Masonville | $4,360 |
| Matheson | $5,914 |
| Maybell | $2,895 |
| Mc Clave | $5,600 |
| Mc Coy | $2,315 |
| Mead | $4,523 |
| Meeker | $2,499 |
| Meredith | $2,385 |
| Meridian | $5,422 |
| Merino | $5,981 |
| Mesa | $2,421 |
| Mesa Verde National Park | $2,311 |
| Milliken | $4,801 |
| Minturn | $2,348 |
| Model | $4,684 |
| Moffat | $2,550 |
| Molina | $2,245 |
| Monarch | $2,763 |
| Monte Vista | $2,368 |
| Montrose | $2,043 |
| Monument | $5,456 |
| Morrison | $5,135 |
| Mosca | $2,451 |
| Mount Crested Butte | $2,195 |
| Mountain View | $4,990 |
| Mountain Village | $2,137 |
| Nathrop | $2,401 |
| Naturita | $2,454 |
| Nederland | $4,788 |
| New Castle | $2,385 |
| New Raymer | $5,208 |
| Niwot | $4,493 |
| North Washington | $4,959 |
| Northglenn | $4,868 |
| Norwood | $2,523 |
| Nucla | $2,454 |
| Nunn | $4,974 |
| Oak Creek | $2,563 |
| Ohio City | $2,382 |
| Olathe | $2,078 |
| Olney Springs | $5,358 |
| Ophir | $2,341 |
| Orchard | $5,617 |
| Orchard Mesa | $1,961 |
| Ordway | $6,084 |
| Otis | $6,080 |
| Ouray | $2,158 |
| Ovid | $6,113 |
| Padroni | $5,781 |
| Pagosa Springs | $2,312 |
| Palisade | $2,034 |
| Palmer Lake | $5,586 |
| Paoli | $6,133 |
| Paonia | $2,204 |
| Parachute | $2,192 |
| Paradox | $2,237 |
| Paragon Estates | $4,542 |
| Parker | $5,517 |
| Parlin | $2,350 |
| Parshall | $2,708 |
| Peetz | $5,911 |
| Penrose | $3,849 |
| Perry Park | $5,326 |
| Peyton | $5,760 |
| Phippsburg | $2,518 |
| Pierce | $4,679 |
| Pine | $4,836 |
| Pine Brook Hill | $4,679 |
| Pinecliffe | $4,428 |
| Pitkin | $2,487 |
| Placerville | $2,552 |
| Platteville | $4,741 |
| Pleasant View | $2,278 |
| Poncha Springs | $2,642 |
| Ponderosa Park | $5,622 |
| Powderhorn | $2,302 |
| Pritchett | $5,495 |
| Pueblo | $5,374 |
| Pueblo West | $5,230 |
| Ramah | $5,477 |
| Rand | $2,649 |
| Rangely | $2,473 |
| Red Cliff | $2,446 |
| Red Feather Lakes | $4,010 |
| Redlands | $2,067 |
| Redvale | $2,328 |
| Ridgway | $2,230 |
| Rifle | $2,076 |
| Rockvale | $3,738 |
| Rocky Ford | $5,877 |
| Roggen | $5,176 |
| Rollinsville | $3,864 |
| Romeo | $2,524 |
| Roxborough Park | $5,148 |
| Rush | $5,794 |
| Rye | $4,887 |
| Saguache | $2,314 |
| Salida | $2,421 |
| Salt Creek | $5,447 |
| San Luis | $2,863 |
| Sanford | $2,408 |
| Sargents | $2,759 |
| Security-Widefield | $5,449 |
| Sedalia | $5,369 |
| Sedgwick | $6,010 |
| Seibert | $5,980 |
| Severance | $4,599 |
| Shaw Heights | $4,777 |
| Shawnee | $3,836 |
| Sheridan | $5,017 |
| Sheridan Lake | $5,870 |
| Sherrelwood | $5,031 |
| Silt | $2,125 |
| Silver Plume | $3,251 |
| Silverthorne | $2,499 |
| Silverton | $2,100 |
| Simla | $5,836 |
| Slater | $2,642 |
| Snowmass | $2,326 |
| Snowmass Village | $2,272 |
| Snyder | $5,957 |
| Somerset | $2,343 |
| South Fork | $2,308 |
| Springfield | $5,500 |
| Steamboat Springs | $2,426 |
| Sterling | $5,939 |
| Stonegate | $5,515 |
| Stoneham | $5,301 |
| Strasburg | $5,737 |
| Stratmoor | $5,496 |
| Stratton | $6,310 |
| Sugar City | $5,585 |
| Sugarloaf | $4,678 |
| Superior | $4,726 |
| Swink | $5,466 |
| Tabernash | $2,714 |
| Telluride | $2,118 |
| The Pinery | $5,573 |
| Thornton | $4,883 |
| Timnath | $4,026 |
| Todd Creek | $4,887 |
| Toponas | $2,486 |
| Towaoc | $2,123 |
| Trinchera | $4,601 |
| Trinidad | $4,353 |
| Twin Lakes | $4,673 |
| Two Buttes | $5,470 |
| Upper Bear Creek | $4,234 |
| Usaf Academy | $5,177 |
| Vail | $2,280 |
| Vernon | $5,947 |
| Victor | $4,285 |
| Vilas | $5,074 |
| Villa Grove | $2,475 |
| Vona | $5,741 |
| Walden | $2,691 |
| Walsenburg | $4,145 |
| Walsh | $5,688 |
| Ward | $4,722 |
| Watkins | $5,357 |
| Welby | $4,937 |
| Weldona | $5,809 |
| Wellington | $4,277 |
| West Pleasant View | $4,946 |
| Westcliffe | $3,702 |
| Westminster | $4,836 |
| Weston | $4,310 |
| Wetmore | $4,193 |
| Wheat Ridge | $4,965 |
| Whitewater | $2,103 |
| Wiggins | $5,863 |
| Wild Horse | $5,750 |
| Wiley | $6,015 |
| Windsor | $4,584 |
| Winter Park | $2,818 |
| Wolcott | $2,375 |
| Woodland Park | $4,403 |
| Woodmoor | $5,426 |
| Woodrow | $5,548 |
| Woody Creek | $2,456 |
| Wray | $5,982 |
| Yampa | $2,424 |
| Yellow Jacket | $2,234 |
| Yoder | $5,859 |
| Yuma | $6,351 |
Current state of homeowners insurance in Colorado
Homeowners insurance costs continue to rise across Colorado as insurers respond to more frequent hailstorms, wildfires and severe weather losses.
LendingTree data shows the average cost of homeowners insurance in Colorado increased by around 89% between 2021 and 2025. Hail damage remains one of the biggest challenges for insurers across the state, especially along Colorado’s Front Range and eastern regions.
Wildfire risk and rebuilding expenses also continue to shape Colorado’s insurance market. The Colorado State Forest Service reports that about 2.5 million residents live in the wildland-urban interface, where more than 1 million people face a moderate to very high risk of wildfire exposure.
LendingTree data also show the average Colorado home is 42 years old and spans about 2,464 square feet. Older homes may cost more to insure because aging systems can increase claim risk, while larger homes often require higher dwelling coverage limits and more expensive rebuild costs.
Colorado homeowners continue to feel the impact of rising insurance rates tied to severe weather risks. In April 2026, Colorado Gov. Jared Polis proposed several measures aimed at reducing annual homeowners insurance costs by an average of $800 by the end of 2027.
How to compare homeowners insurance in Colorado
When comparing homeowners insurance companies in Colorado, look beyond the monthly premium alone. Coverage options, deductibles and policy exclusions can all affect how much financial protection you receive after a claim.
- Coverage limits: Choose enough dwelling coverage to fully rebuild your home after a covered loss. Construction costs in Colorado can vary depending on location and home size.
- Deductibles: Higher deductibles usually lower your premium, but they also increase your out-of-pocket expenses after a claim, so make sure you know you can cover that cost.
- Exclusions: Standard homeowners insurance policies usually do not cover flood or earthquake damage. Colorado homeowners in wildfire- or hail-prone areas should also review coverage for roof and weather-related damage carefully.
- Add-ons: Optional coverages can help protect high-value belongings, home businesses or water backup damage that standard policies may not cover.
Bundling your home and auto insurance policies may also help lower your rates. Many insurance companies offer multipolicy discounts that can reduce premiums while keeping your coverage with one company.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Colorado law does not require that you get homeowners insurance. However, most mortgage lenders will stipulate that you maintain home insurance until you pay off your loan. Getting home insurance is a good idea because it helps protect your finances should your home suffer damage from covered events like hail, fire or theft.
Colorado homeowners typically pay higher insurance premiums because insurers face elevated risks from hailstorms, wildfires and severe weather claims. Rising construction costs and higher rebuilding expenses have also contributed to recent rate increases across the state.
Start shopping for new coverage as soon as you receive a nonrenewal notice. Comparing quotes from multiple insurers can help you find another policy before your current coverage ends. Homeowners in higher-risk wildfire areas may also benefit from completing mitigation improvements that could protect their homes from wildfire and make them more likely to be insured.
Methodology
The rates shown in this article are based on an analysis of nonbinding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Colorado ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included the NAIC’s complaint index scores and financial strength ratings from AM Best. NAIC complaint index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.
See our home insurance ratings methodology and full editorial guidelines for further details.
*USAA is only available to current and former members of the military and eligible family members.