To identify the best home insurance companies, we analyzed costs around the country, policy information and complaints against insurers. We scored companies based on these factors:

Home insurance rates (40% of score): We analyzed average rates for each insurance company for homes with dwelling coverage of $200,000, $350,000, $500,000 and $750,000 with 50% personal property coverage, 10% loss of use coverage, a $500 deductible, $1,000 guest medical coverage and $100,000 liability coverage for a 40-year-old woman with good credit.

Source: Quadrant Information Services.

Complaints (20% of score): We used complaint data from state insurance departments across the country. Most home insurance complaints center on claims, including delays, unsatisfactory settlements and denials.

Source: National Association of Insurance Commissioners.

Availability of extended and/or guaranteed replacement cost coverage (20% of score): Extra dwelling coverage is valuable in the event of large disasters, when construction materials and labor costs tend to spike. We gave points to companies that offer either extended or guaranteed replacement cost coverage.

Source: Forbes Advisor research.

Digital experience (10% of score): We analyzed the quality of each company’s mobile app and website. We evaluated home insurers on:

• If there’s a mobile app.
• If you can submit claims online.
• If you can pay online.
• If there’s a useful website search function.
• If there’s a live chat that provides helpful information.
• If the company has a Facebook account that is updated regularly.
• If you can get a quote online.

Source: Forbes Advisor research.

Banned dog lists (10% of score): Banned dog breed lists can make homeowners ineligible for coverage. (A company’s banned dog list might not be applicable in all states.) While any homeowners insurance company could potentially ban any dog with a biting history, not all put a ban on specific breeds.

Source: Forbes Advisor research.