RU InsureScore
RU InsureScore — the homeowners insurance policy scoring tool — provides an accessible and understandable way for homeowners to evaluate and compare policies of many of the nation’s largest homeowners insurance companies.
Scroll down for the Summary, Detailed Scoring, and FAQ
Homeowners need easily understandable information about insurance policies in order to evaluate their current coverage and to shop effectively for insurance.
But insurance is the only product for which consumers don’t know what they are buying before they buy it. Insurance companies almost never provide copies of policy language or complete summaries of policy terms to prospective policyholders, and most state insurance regulators don’t require insurers to make policies readily available.
Even if consumers had access to policies, most of them wouldn’t read or couldn’t understand the long, complex, legal documents, or be able to anticipate the many ways in which a loss might occur or the problems that may result if it does.
Yet homeowners insurance policies vary widely among companies in what things and risks they cover—and don’t cover—and what they pay for losses. Many people only discover the limitations of their coverage when they have a claim and often find they don’t have adequate coverage.
Therefore, RU InsureScore begins to fill consumers’ need for better information.
Homeowners Insurance Policy Scoring — Summary
| Chubb | 94 |  | Chubb provides excellent coverage with policies designed especially for high net worth consumers. |
| Amica | 88 |  | Amica provides very good overall coverage. |
| Travelers | 86 | | Travelers provides overall good coverage with some limitations. |
| Liberty Mutual | 84 |  | Liberty Mutual provides overall good coverage with some limitations. |
| Nationwide | 83 | | Nationwide provides overall good coverage with some limitations. |
| USAA | 81 | | USAA provides adequate coverage with some limitations on coverage of risks and payment. |
| Auto-Owners | 79 | | Auto-Owners provides adequate coverage with some limitations on coverage of risks and payment. |
| State Farm | 78 | | State Farm provides adequate coverage with some limitations on property and risk covered and payment. |
| Farmers | 75 |  | Farmers provides adequate coverage with some significant limitations on coverage of property and risk and payment. The policy is more detailed than many others, with some of the details limiting coverage. |
| American Family | 75 | | American Family provides adequate coverage with some significant limitations on coverage of property, risks, and payment. |
| Allstate | 73 | | Allstate provides a basic policy that covers fewer risks and provides for smaller payments than many other policies. |
For more…
Detailed scoring
Frequently Asked Questions (about Methodology, Buying Homeowners Insurance, Improving Homeowners Insurance)