Ranking Methodology
We ranked more than 7 of the best homeowners insurance policies based on a variety of important factors including the following:
- National average monthly premium price for $450,000 dwelling coverage, $150,000 in personal property coverage, $500,000 personal liability coverage for a primary home built in 2016. The homeowners are a couple aged 40 years old with a good credit score and clean claim history. The deductible is $1,000.
- Coverage and benefits
- AM Best rating of the underwriter
- Key policy details including claims satisfaction, user experience of app (if applicable), and flexibility of coverage as well as other factors
- Ease of sign up
- Policy language clarity
- User reviews