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Homeowner's insurance, also known as home insurance, applies to homeowners. Not only are most lenders required when buying a home, but the coverage of a good policy can save you from financial ruin in the event of a disaster.
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Homeowner's insurance protects your most valuable assets, such as the cost of rebuilding your home's structure or replacing your belongings. It also covers personal liability and other additional expenses.
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We at the Home Media Review team spent over 40 hours analyzing the top home insurance providers in the industry, and we believe these companies are the best choices for most homeowners.
Key takeaways: We found Lemon to be the best home owner insurance provider because of their innovative technology, specifically enabling claims in 5 seconds, and because of their unique relationship with pet insurance.
*We have included sample homeowner insurance rates in this survey for a single-family home in Pittsburgh with a $300,000 deductible and a $2,500 deductible.
Go to: Lemonade | State Farm Nationwide Liberty is Geico Mutual | Allstate Erie | Tourists USAA | Amica
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Lemonade has been in the home insurance industry since 2015, providing a simple, technology-based solution to purchasing and completing home insurance.
It also offers renters insurance, life insurance and even pet insurance, and customers can get discounts on multi-policy packages.
Lemonade Homeowners Insurance is currently available in the following 23 states and Washington DC: Arizona, California, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Maryland, Massachusetts, Michigan, Missouri, Nevada, New Jersey, New York, Ohio, Oklahoma . , Oregon, Pennsylvania, Tennessee, Texas, Virginia and Wisconsin.
When we asked Lemonade of Pennsylvania for a sample, the annual fee was $589, which is higher than most competitors offer. That's $1 more than the national average, about $272, and $300 more than the Pennsylvania average of $943.
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Lemonade is a great choice for homeowners who want a hassle-free claims process and don't want to deal with back-and-forth insurance agents, a common headache in the industry, according to hundreds of our third-party analyses. The customer service of the parties is rated by other providers. Lemonade uses machine learning and AI bots to diagnose and pay claims, so it pays claims faster than many competitors.
State Farm is one of the largest insurance companies in the country and has locations in all 50 states, although it does not have widespread online quotes. State Farm also offers generous discounts during closed and no-claim periods. Providers use a network of local agents to serve customers, providing personalized customer service and the experience of filling with an agent nearby, which some owners prefer over conventional call centers and online inquiries.
Another benefit of State Farm is that it has additional providers that other providers do not offer or offer at an additional cost. Includes fire service charges as well as jewelry and fur protection, silverware, business related property and firearms and may be adjusted prior to purchase.
State Farm quoted us an annual premium of $1,300, which is lower than the national average of $272, but slightly higher than the Pennsylvania average of $943 we were quoted.
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State Farm is our choice for new homeowners because it has an easy-to-use website and a simple quote process that makes it easy to find a policy that fits your needs. Its website also has many resources to learn about protection and common risks that affect your home.
Nationwide is a premium insurance company that offers a wide range of insurance policies including home, auto, life and even your wedding. AM Best and J.D. Power's high ratings reflect the nation's financial strength and customer satisfaction. The provider will also review your existing policy free of charge each year to ensure it still covers your evolving needs.
Nationwide's standard homeowner's insurance policy offers two sets of coverage that many competitors typically consider add-ons or endorsements. After you file a claim after a loss, the ordinance or coverage law will pay to bring your home up to current building regulations. Nationwide also pays $500 for losses involving unauthorized credit or debit card transactions, counterfeiting, and counterfeiting.
Optional Flood and Earthquake Coverage Basic policies include statutory insurance and credit card coverage with special considerations
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Nationwide, the quote for a family in Pittsburgh is $1,067.45 per year. This is slightly higher than the average in Pennsylvania, but typical for the city of Pittsburgh that we have seen with other providers on this list.
Our choice for standard coverage nationwide. It ensures up-to-date repair in the event of a loss and provides peace of mind when unauthorized charges appear on your credit card statement. Optional flood and earthquake coverage becomes a comprehensive package for everyone in the 46 states it serves nationwide.
Get your quote: To get an individual policy quote, call 1-877-267-6292 and speak with an agent or use this free online tool.
Liberty Mutual is a leading homeowner's insurance company with more than 110 years of operation nationwide and an A (Excellent) financial strength rating from AM Best. It offers auto, renter, home and business insurance products and easy policy management through its website and mobile app.
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Its home insurance policies stand out among competitors with affordable rates, personal property and liability coverage, and customizable coverage with an extensive list of discounts and rebates. Whether you want to combine your home and auto insurance or buy an early policy before your current term expires, there are many ways to save with this provider.
Good Cat Live 10% discount on online purchases during homeowner's appraisal Surcharge inflation coverage Adjust coverage annually to account for inflation
When we asked estimates for a single-family home in Pittsburgh, Liberty Mutual offered an annual premium of $104, which is lower than the 2019 national average of $272, but higher than the third-state average of $943. .
Our choice for homeowners looking for more savings and discount opportunities when they sign up for a Liberty Mutual policy. During our research, we took dozens of sample quotes from home suppliers across the country and found that they consistently offer amazing discounts, including online purchase discounts and discounts to secure a home for its value. However, keep in mind that these discounts vary based on each homeowner's personal details and location.
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Geico is known for auto insurance, but it also offers impressive capabilities in the home insurance space. Although it does not write its own policies like many of its competitors, but instead partners with other underwriters, Geico is available in all 50 states and offers affordable rates and amazing additional coverage options.
This is an ideal option for homeowners who already have Geico auto insurance and are looking to keep all their insurance policies in one place. Quotes can be easily obtained without speaking to an agent, but if you prefer human interaction, there are dozens of Geico agents ready to help you.
Pros More additional rooms than most competitors and automatic discounts Easy to find contact information that fits your needs
When we asked Geico for a quote, they offered us an annual premium of $921, which is $1,272 higher than the national average reported by the Insurance Information Research Institute and about $20 higher than the Pennsylvania average of $943.
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Although Geico does not offer its own homeowner's insurance policies (it brokers them through a network of underwriters), it is still a valid option for homeowners looking to purchase Geico auto insurance. We also chose Geico as a top homeowner's insurance provider because it offers extraordinary extras, such as utility coverage and personal injury coverage, both of which are featured in our quote.
Allstate is one of the nation's largest insurance providers, serving homeowners nationwide since 1931. It is an established provider in the insurance industry with an A+ (Superior) rating from AM Best. In addition to home insurance, Allstate offers auto, renter, life and motorcycle insurance, and offers discounts on many policy combinations.
Its comprehensive homeowner's insurance policy includes customized coverage for personal property and liability coverage. The Allstate website also has a home value estimator to help homeowners determine how much home insurance they need.
During our research, Alstat told us the annual premium is $349, which is $1 more than the national average, $80 more than $272, and well above the Pennsylvania average of $943.
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Allstate received top marks in our survey for coverage, customer service, discount packages, and environment
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