Home insurance falls within the sector of property and casualty insurance. Before buying a home insurance policy, you should learn more about the different companies that offer these policies. Your goal should be to buy insurance coverage from a company. It is financially stable and has a high degree of customer satisfaction with respect to claims and billing issues.

There are several independent organizations, whose sole purpose is to evaluate insurance companies on a range of issues ranging from financial capacity, payment of claims, history, customer satisfaction, pricing structure and product offerings. Now we present top 9 home insurance companies in the USA. Know more about health insurance companies in the USA.

Best Home Insurance Companies in the USA

Amica Mutual

Amica Mutual Insurance Company is based in Providence, Rhode Island, and is a member of the Amica Mutual Group. The company has more than the US $ 2 billion in assets, a strong long-term vision, and has been rated A ++ (Superior) by AM Best in May 2009. According to JD Power & Associates, “Amica Mutual ranks first for the eighth consecutive year among property insurance companies, a particularly good performance in the five factors that contribute to total customer satisfaction.”

Erie Insurance

Erie Insurance Company is based in Erie, PA, and is a member of the Erie Insurance Group. The company has more than USD 2 billion in assets, a stable long-term outlook, and has been rated A + (Superior) by AM Best of June 2009 and AA by Standard & Poors as of December 2007. This company received 4 stars of 5 by JD Power & Associates in all categories related to customer satisfaction, product selection and pricing.

State Farm

State Farm is based in Bloomington, IL. The company has more than 2 billion dollars in assets, a stable long-term outlook, and has been rated A ++ (Superior) by AM Best in May 2009 and AA by Standard & Poors as of March 2009. This company received 4 stars out of 5 by JD Power & Associates in all categories related to customer satisfaction, product selection and pricing.

Cincinnati Insurance

Cincinnati Insurance Company is based in Cincinnati, OH, and is a member of Cincinnati insurance companies. The company has more than USD 2 billion in assets, a stable long-term outlook, and has been rated A + (Superior) by AM Best in December 2008 and A + by Standard & Poors as of June 2008. This company received a mix of 3 and 4 stars out of 5 by JD Power & Associates in all categories relating to customer satisfaction, product selection and pricing.

Alfa

Alianza Alfa Insurance Corporation is based in Glen Allen, VA, and is a member of the Alfa Insurance Group. This company has more than USD 1 billion in assets, a long-term stable outlook and has been rated A + (Superior) by AM Best as of March 2009. This company received a mixture of 3 and 4 stars out of 5 JD Power & Associates in all categories related to customer satisfaction, product selection and prices.

The Hartford

Hartford Accident & Indemnity Company is based in Hartford, CT, and is a member of the Hartford Insurance Group. This company has more than USD 2 billion in assets, a negative outlook in the long term, and has been rated A (Excellent) by AM Best in February 2009 and A by Standard & Poor as of June 2009. This company received 4 stars out of 5 by JD Power & Associates in all categories related to customer satisfaction, product selection and pricing.

American Family

American Family Life Assurance Company of New York is based in Columbus, New York and is a member of the Aflac Incorporated Group. The company has more than USD 2 billion in assets, a stable long-term outlook, and has been rated A + (Superior) by AM Best as of February 2009 and AA-Standard & Poor as of April 2009. This company has received 3 stars out of 5 by JD Power & Associates in all categories related to customer satisfaction, product selection and pricing.

Allstate

Allstate Insurance Company is based in Northbrook, IL and is a member of the Allstate Insurance Group. The company has more than USD 2 billion in assets, a stable long-term outlook, and has been rated A + (Superior) by AM Best as of November 2009 and AA- by Standard & Poors as of January 2009. This company has received 3 stars out of 5 by JD Power & Associates in all categories related to customer satisfaction, product selection and pricing.

Liberty Mutual

Liberty Mutual Insurance Company is based in Boston, MA, and is a member of Liberty Mutual Insurance Companies. The company has more than 2 billion dollars in assets, a long-term negative outlook, and has been rated A (Excellent) by AM Best as of April 2009 and A- by Standard & Poors as of September 2008. This company has received 3 stars out of 5 by JD Power & Associates in all categories related to customer satisfaction, product selection and pricing.

Check well before buying a home insurance.

Robi