Best Homeowners/Renters Insurance 2026

1. USAA

USAA provides specialized insurance and banking services tailored to the military community, featuring standard replacement cost coverage for military uniforms and equipment. Their renters policies unique include flood and earthquake coverage at no extra cost in many areas. Members benefit from lower-than-average premiums and a deep understanding of military life, including coverage for belongings during deployments or permanent changes of station.

2. Allstate

Allstate features the HostAdvantage program for homeowners who rent out their spaces on platforms like Airbnb, alongside traditional home and renters policies. They provide Claim-Free Rewards and vanishing deductibles for consistent safety. Homeowners and renters benefit from innovative digital tools like the Digital Locker for inventorying assets, ensuring faster, more accurate payouts during the stressful claims process after a loss.

3. Liberty Mutual

Liberty Mutual offers flexible homeowners and renters insurance built around customer‑first protection and long‑term reliability. With modular coverage options, policyholders can tailor their insurance to address what matters most to them, without paying for unnecessary add‑ons. Backed by more than 110 years of experience, Liberty Mutual combines expert guidance with valuable savings opportunities and a seamless digital experience—making it easy to manage coverage, access service, and feel confident protecting your home and belongings.

4. Amica

Amica offers comprehensive home and renters insurance with a focus on Dividend Policies, which can return a portion of the premium to the customer. Their products include replacement cost coverage for personal property and unique Platinum Choice home packages. Customers benefit from flexible coverage options and potential annual savings, ensuring that both their dwelling and their belongings are restored to their original value without depreciation.

5. State Farm

State Farm provides a vast network of local agents offering personalized home and renters insurance, including inflation coverage that automatically adjusts limits to match rising construction costs. Their Ting fire-prevention sensor is often provided to homeowners for free. Customers benefit from the convenience of a local neighbor advisor and bundled discounts that make protecting their dwelling and vehicle more affordable and manageable.

6. American Family Insurance

American Family provides Dreams Foundation support alongside home and renters insurance that includes Siding and Roof Restoration and specialized equipment breakdown coverage. Their renters policies offer diminishing deductibles that reward long-term customers. Homeowners benefit from Hidden Water Damage protection, which covers leaks behind walls that many other policies exclude, preventing massive out-of-pocket repair costs for undetected plumbing issues.

7. Erie Insurance

Erie Insurance provides Erie Secure Home policies that include unique perks like guaranteed replacement cost and coverage for hard-to-value items like underground service lines. For renters, they offer affordable protection for electronics and identity theft recovery. Customers benefit from localized service through independent agents and a Rate Lock feature that prevents premium increases, providing long-term financial predictability for their housing costs.

8. The Hartford

The Hartford offers specialized homeowners insurance for AARP members, featuring Lifetime Renewability and Full Replacement Cost protection. Their renters insurance includes Identity Recovery and unique New for Old belongings coverage. Customers benefit from these tailored age-based perks, providing seniors and mature homeowners with long-term security and the peace of mind that their insurance will not be canceled as they age.

9. Lemonade

Lemonade utilizes AI to offer instant renters and homeowners insurance, with a unique "Giveback" program that donates unclaimed premiums to charities. Their digital-first platform allows for lightning-fast claims processing and policy adjustments via a mobile app. Customers benefit from a transparent, low-cost model that removes traditional insurance bureaucracy, making it ideal for tech-savvy renters who value speed and social impact.

10. SageSure

SageSure specializes in homeowners insurance for catastrophe-prone coastal areas, offering robust coverage where other insurers often decline to go. They provide multiple policy options through various highly-rated carriers to ensure competitive pricing in high-risk zones. Homeowners benefit from reliable access to essential protection for properties at risk of hurricanes or windstorms, ensuring their biggest investment remains insurable and protected.

FINALISTS
Chubb
Cincinnati Insurance
Corebridge
Nationwide
NJM Insurance Group
Openly
Progressive
PURE
Southern Farm Bureau
Travelers

About Newsweek Readers' Choice Awards

Nominees for Newsweek's Readers' Choice Awards are selected through an editorial review process conducted by Newsweek editors. The editorial team identifies brands, destinations, and services within each contest category based on editorial research and industry knowledge.

Winners are determined through a public voting process hosted on Newsweek.com, where readers may vote once per category per day during the contest period.

For further information, see our FAQs or email readers.choice@newsweek.com.