Best Home Warranty Plans in the US: Top Protection for Your Home

While NJM operates in a limited number of states, its coverage scope is expansive. NJM home insurance provides not only the basic expectations but also an array of extra coverage that would generally incur additional charges at numerous other companies.

USAA caters to the insurance needs of active military members, veterans, and their families. Their home insurance offerings include features that are typically charged extra by other providers, yet USAA's rates remain below the national average, as per our rate analysis. Apart from offering deductible-free coverage for your uniform, USAA provides up to $10,000 coverage for belongings lost in a war under its homeowners policies, adding significant value for military members.

Erie is a sensible choice for those seeking extensive homeowners insurance coverage. Depending on your location, your Erie home insurance policy might encompass guaranteed replacement cost coverage for your home's structure. In simpler terms, the company will shoulder the expenses to reconstruct your home following a covered claim, even if the cost surpasses your dwelling coverage limit.

Amica stands out with its high levels of customer satisfaction and a diverse range of coverage options, earning it a top spot among home insurance providers. In addition, Amica provides discounts for options like paperless billing and automated payments, which are quite straightforward to get.

Contrary to its moniker, Auto-Owners provides more than just automobile coverage. In actuality, Auto-Owners home insurance is a viable choice, due to its extensive selection of coverage options and discounts. For instance, its Homeowners Plus package features coverage for appliance leaks causing property damage and food spoilage due to a power outage.

Chubb primarily serves high-value homeowners. Their policies include premium features as standard, whereas other insurers might charge additional fees for them. The extensive coverage provided by Chubb, coupled with a notably low number of complaints considering its size, ranks it among the top home insurance providers in the sector.

Should you possess both a car insurance policy with Progressive and a homeowner's policy with ASI (also recognized as Progressive Home), you can benefit from paying a single deductible in case of claims from the same incident. For instance, if a storm topples a tree onto both your car and house, you'd be responsible for only one deductible, rather than two.

Nationwide, a top ten U.S. home insurance company, is unique in its inclusion of certain coverages in its home insurance policies that might cost extra with other companies. The majority of states offer Nationwide's home insurance, providing ample opportunities for discounts.

Safety Insurance, headquartered in Boston, provides homeowners insurance in certain areas of New England. The company has received a rating of 4.5 stars out of 5 from NerdWallet for its overall performance, particularly noted for its extremely low consumer complaint rate. Safety's home insurance is worth a look if you reside in one of the three states the company caters to.

Established in 1922, State Farm has grown to become the leading homeowners insurance provider in the U.S. The organization stands out with its exceptional coverage for home structure. Unlike others, State Farm typically incorporates extended replacement coverage at no additional cost.