Every property owner requires quality home insurance to forestall against unfortunate events. It is a necessity because it protects against property theft, damage, and fire. Sometimes, landlords even require tenants to take out renter’s insurance to provide coverage against burglary, fire, storms, and other damaging incidents.
A comprehensive property insurance policy enables the insurance company to help you rebuild your house after a fire incident, replace your stolen assets, repair your home following storm damage, and even provide compensation in the event of injury or death on your property. The best homeowners insurance company will have affordable rates, a solid track record, add-on coverage, and other adjustable factors for quality coverage.
Here then are the five best homeowners insurance companies in the United States that you can trust to deliver when you have insurance claims on your property:
5 Best Homeowners Insurance Companies
1. USAA
If you are an adult who has been resident in the United States for some time, there is the likelihood that you have heard of USAA Insurance Company. This home insurer is popular for providing insurance coverage for veterans and active members of the military. But beyond that, it provides policy coverage for residential homes and commercial property as well as home and business property. And it is one of the best insurance companies to provide protection in the case of identity theft.
2. Allstate
Most American residents have heard of Allstate insurance company since it has been around for several decades. This insurer provides standard homeowners insurance protection and also offers coverage for personal items such as electronics, furniture, sports equipment, garden assets, and other high-worth home assets. Allstate agents can help you calculate your desired policy premiums and work with you throughout the entire lifetime of your coverage.
3. Lemonade
Although Lemonade is not as widely popular as the others listed in this article, it stands out as being entirely online. With Lemonade’s interactive website and mobile app, you can sign up for a homeowner’s insurance policy, modify your policy, pay premiums, file claims, and even cancel your policy without visiting their office. Lemonade enables you to acquire insurance coverage for your jewelry, camera and music equipment, electronics, and furniture among others.
You may also choose to speak with an agent via a phone number if you want, but this is not really necessary given the efficiency of the online insurance company at meeting customers’ needs.
4. American Family
American Family insurance company is not available nationwide in the United States, but it does provide some insurance coverages that are not popular with other insurers. Unlike other insurance companies, American Family provides equipment breakdown coverage where they repair your home equipment in the event of mechanical or electrical damage. Under their unique policy, you can insure your home appliances, computers, electrical gadgets, and electronics so they get repaired or even restored when they get damaged due to no fault of yours.
5. Chubb
You may not have heard of Chubb, but this insurance company provides homeowners coverage entirely through its dedicated agents. The insurer has a Masterpiece Homeowners Insurance policy where you get protected against water and fire damage. They provide you with water backup and settle the replacement costs of your water supply, and they provide wildfire hazard protection.
They also help with quick evacuation during a wildfire incident, provide you with temporary living accommodations in hotels, and even clean up your house after a wildfire.
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