Compare home insurance companies
Educational only — not a quote, not a recommendation. This site is not an insurer or a broker, and nothing on this page is a personalised price. A final price comes only from the carrier or a licensed agent, after underwriting. Home, condo and renters cover, compared side by side on what carriers actually publish. Standard home policies generally exclude flood for every carrier; flood is a separate policy or endorsement where offered, and every premium cell on this page is quote-only.
How to read “Not published”: it means the 2026-11-05 research did not verify that item on a carrier or official page. It is not a zero, not a “no”, and it is never filled in from a third-party table. Where a figure is published, its profile, date and source sit next to it.
How to use this comparison
- Pick 2 or 3 companies with the checkboxes below the table heading, and compare them side by side.
- Compare like for like: the same limits, the same deductible, the same cover type. A cheaper headline with a lower limit is not the same cover.
- Check the official link in the row before you decide — the carrier's own page and plan documents are the final word, and availability varies by state, county and plan.
- Use the tools beside this page to work out what you need first, then take that need to the official quote. No personal details are collected anywhere on this page.
Progressive's home page bundle headline (7% on auto in most states) conflicts with its auto page headline (5% on auto). Each figure is cited from its own page only and the two are never merged.
Home companies — full table
| Company | Published packages / cover options | Key features | Deductibles / limits where published | Discounts where published | Premium availability | Official link | Source |
|---|---|---|---|---|---|---|---|
| State Farm | Home, condo and renters cover via the same hub; dwelling, belongings and liability in general terms. Flood and earthquake are separate, not standard. | Not published | Not published | Not published | Quote-only / not published | Get an official quote — Home safety discounts were not verified on the State Farm pages fetched, so none are published here. | statefarm.com, retrieved 2026-11-05 |
| GEICO — via agency partners | Home cover quoted through the GEICO Insurance Agency to partner carriers; GEICO does not underwrite its own home policy and the underwriter varies. | Not published | Not published | Safety/security discounts via the agency page (no percentage published); a partner home policy can earn an auto discount, varying by state and partner, with no single figure. | Quote-only / not published | Get an official quote — Agency route: the quote goes to partner carriers, not to a GEICO-underwritten home policy. | geico.com, retrieved 2026-11-05 |
| Progressive — issuer varies | Dwelling, personal property, loss of use and liability, plus riders for capped valuables. Renters, condo, manufactured-home and landlord options; flood may be available separately in certain areas, not standard. | Not published | Not published | Home page bundle headline: 7% on auto in most states. This conflicts with the auto page headline of 5% on auto — each figure is cited from its own page only and they are never merged. Issuer varies (affiliated or third-party insurers). | Quote-only / not published | Get an official quote | progressive.com, retrieved 2026-11-05 |
| Allstate | Dwelling, personal property, liability and additional living expenses. Perils include theft, fire/smoke, wind/hail, falling objects and some plumbing water damage. Exclusions include flood, earth movement, water back-up and wear and tear. | Not published | Not published | Not published | Quote-only / not published | Official page — No bundle percentage was stated on the fetched home page, so none is published here. | allstate.com, retrieved 2026-11-05 |
| USAA — military-only | Home cover for eligible members; replacement-cost belongings described as standard. | Uniforms covered with no deductible for active-duty members even when deployed (secondary-checked in the research). | Not published | Not published | Quote-only / not published for home. Renters from 33 cents/day is a from-price, not a home premium. | Get an official quote — Eligibility-restricted, as on the auto page. Home discount percentages from a third-party check were not re-verified on the live page, so none are published here. | usaa.com, retrieved 2026-11-05 |
| Liberty Mutual | Structure, belongings, liability and additional living expenses; flood as a separate product (NFIP partnership in state detail). | Not published | Not published | Bundle, new/renovated-home and online discounts listed; no percentage published. | Quote-only / not published | Official page — Quote entry: libertymutual.com/get-a-quote. | libertymutual.com, retrieved 2026-11-05 |
| Nationwide | Home cover via state pages; Brand New Belongings replacement-type feature; water-backup and natural-disaster options noted. | Brand New Belongings replacement-type feature. | Not published | Not published | Quote-only / not published | Official page — State page example; no single national home URL was returned verbatim. The full home-discount list was not fully captured, so no home discount percentage is published here. | nationwide.com, retrieved 2026-11-05 |
| Farmers | Flex Personal Home in three levels: Standard, Enhanced and Premier. Texas perils include wind, hail, lightning, fire including wildfire, vandalism/theft and some water damage. | Not published | Extended replacement cost up to 25% above the dwelling limit as an option. Declining deductible: $50 per claim-free year. | Home plus car up to 10% on both; home plus umbrella up to 2.3% on home; home plus life 2% on home; condo plus car 20% on condo; renters plus car 20% on renters. Varies by state. | Quote-only / not published | Official page — State page example. Quote route: farmers.com (tracking parameter stripped from the quote hub). | farmers.com, retrieved 2026-11-05 |
| American Family | Home, condo, renters and manufactured-home cover; equipment breakdown and credit-theft options noted. | Diminishing deductible. | Diminishing deductible: $100 per claim-free year, up to $1,000 for home and $500 for renters, condo or manufactured home. | Bundle home plus auto up to 40% on both together (June 2025); home plus auto plus life up to 43% on home plus auto (bundle page, June 2025). | Quote-only / not published | Get an official quote — A 19-state footprint figure for American Family is third-party only and is not published here. | amfam.com, retrieved 2026-11-05 |
| Travelers | Dwelling, other structures, personal property, loss of use, liability and a green-home option. | Green-home option. | Not published | Multi-policy up to 12% on average on home (auto plus three other policies, affinity page); home-buyer (within 12 months), loss-free and protective-device discounts also listed; green-home up to 5% (LEED). Varies by state and eligibility. | Quote-only / not published | Get an official quote | travelers.com, retrieved 2026-11-05 |
| Erie — 12 states + DC only | Home cover via a local independent agent. | Not published | Not published | Not published | Quote-only / not published; a quote is completed via a local independent agent. | Official page — Agency page example. No verified quote-tool URL was found. Rate Lock and diminishing-deductible details for Erie are secondary-only and are not published here. Footprint: IL, IN, KY, MD, NY, NC, OH, PA, TN, VA, WV, WI plus DC. | erieinsurance.com, retrieved 2026-11-05 |
| The Hartford (AARP) — members 50+ | Homeowners, condo and renters cover for AARP members aged 50 and over. | Not published | Not published | Bundle auto plus home up to 12% on auto and 20% on home, condo or renters. | Quote-only / not published | Get an official quote — Does not write new business in all areas, including CA and FL. | thehartford.com, retrieved 2026-11-05 |
| AAA — federation, club-specific | Cover varies by club; club-specific underwriters, cover and discounts. There is no single national AAA product set. | Not published | Not published | Club figures only, not national — for example AAA Washington up to 5% on home (club figure). | Quote-only / not published nationally. | Official page — Club page, not a national quote route. A second club example: wa.aaa.com/insurance/aaa-insurance. | aaa.com club pages, retrieved 2026-11-05 |
| Chubb (Masterpiece, high-value home) | Homeowners cover for high-value homes: extended replacement cost above the policy limit, replacement cost on contents, detached structures, valuables extension and liability; free home risk assessment. | Free home risk assessment. | Deductible waiver when a covered loss exceeds $100,000 and the base deductible is $50,000 or less (most states). | Not published | Quote-only / not published; no online self-service quote was verified — agent or broker route. | Official page — Tracking parameter stripped; the clean path is the same page. A portfolio/loyalty bundle discount is mentioned with no percentage published, so no percentage is shown. Chubb auto was not researched and no auto row is published. | chubb.com, retrieved 2026-11-05 |
Sources for this table
Every figure and feature above comes from the carrier page linked in its row, as recorded in the research register on 2026-11-05. “Not published” means the research did not verify that item on a carrier or official page — it is not a zero, and it is not filled in from a third party.
- State Farm — https://www.statefarm.com/insurance/quotes (statefarm.com, retrieved 2026-11-05)
- GEICO — via agency partners — https://www.geico.com/landingpage/go550/ (geico.com, retrieved 2026-11-05)
- Progressive — issuer varies — https://www.progressive.com/homeowners/ (progressive.com, retrieved 2026-11-05)
- Allstate — https://www.allstate.com/home-insurance (allstate.com, retrieved 2026-11-05)
- USAA — military-only — https://www.usaa.com/campaign/insurance/bundle-auto-property/ (usaa.com, retrieved 2026-11-05)
- Liberty Mutual — https://www.libertymutual.com/property/homeowners-insurance (libertymutual.com, retrieved 2026-11-05)
- Nationwide — https://www.nationwide.com/personal/insurance/homeowners/state/south-carolina/ (nationwide.com, retrieved 2026-11-05)
- Farmers — https://www.farmers.com/texas/home-insurance/ (farmers.com, retrieved 2026-11-05)
- American Family — https://www.amfam.com/shop/bundle (amfam.com, retrieved 2026-11-05)
- Travelers — https://www.travelers.com/quote/home-insurance (travelers.com, retrieved 2026-11-05)
- Erie — 12 states + DC only — https://www.erieinsurance.com/agencies/GG1123 (erieinsurance.com, retrieved 2026-11-05)
- The Hartford (AARP) — members 50+ — https://www.thehartford.com/aarp/homeowners-insurance/quotes (thehartford.com, retrieved 2026-11-05)
- AAA — federation, club-specific — https://cluballiance.aaa.com/insurance (aaa.com club pages, retrieved 2026-11-05)
- Chubb (Masterpiece, high-value home) — https://www.chubb.com/us-en/individuals-families/products/home/homeowners-insurance.html (chubb.com, retrieved 2026-11-05)
Eligibility and footprint warnings
- GEICO does not underwrite its own home policy: a home quote routes via the GEICO Insurance Agency to partner carriers, and the underwriter varies.
- Progressive home cover is issued by affiliated or third-party insurers — the issuer varies.
- USAA is military-only (see the auto page for the eligibility rule).
- Erie writes in 12 states plus DC only (IL, IN, KY, MD, NY, NC, OH, PA, TN, VA, WV, WI plus DC), and its quote is completed via a local independent agent.
- The Hartford (AARP) is for AARP members aged 50 and over and does not write new business in all areas, including CA and FL.
- AAA is a federation, not a single national carrier: underwriters, cover and discounts are club-specific.
- Chubb (Masterpiece) is high-value home cover sold via an agent or broker; no online self-service quote was verified.
Use with our tools
Work out what you need before you shop, then compare like for like: Homeowners calculator · Renters estimator · Flood calculator · See also all tools and the comparison hub.
What this page is not: it is not a quote engine, it does not collect personal data, it does not rank companies as “best” or “cheapest”, and it carries no star ratings, testimonials or carrier logos. Any page that claims a single “best” company from this table is misreading it.
Disclosure
This comparison is educational only. Countrypilot.net is not an insurer, not a broker and not an agent for any company listed. Figures are carrier-published claims or examples as recorded on 2026-11-05, with their profile, date and source shown where they appear; they are not prices for you, and they may have changed since retrieval. The final price, eligibility and terms for any policy come only from the carrier or a licensed agent, and plan documents govern over any summary here. No company paid for placement, and no row is sponsored.