Homeowners Insurance Policy Scoring — Summary

Homeowners Insurance Policy Scoring — Details

Homeowners Insurance Policy Scoring — Individual Companies

The Homeowners Insurance Policy Scoring tool — RU InsureScore — evaluates important elements of the policies on a five-point scale and provides a summary scoring on a 100-point scale. The tables below show the summary scoring, the detailed scoring, and scoring with comments for each company.

For information on the methodology and how to use the ratings, see the Frequently Asked Questions.


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.


	Overall Score	Overall Rating	Property Insurance			Liability Insurance
			Things the insurance covers	Risks the insurance covers	What the insurance pays
Chubb	94
Amica	88
Travelers	86
Liberty Mutual	84
Nationwide	83
USAA	81
Auto-Owners	79
State Farm	78
Farmers	75
American Family	75
Allstate	73

Liberty Mutual

Overall score

Overall rating

Property insurance

Liability insurance

Things the insurance covers

Risks the insurance covers

What the insurance pays

Pros
Good coverage for buildings
Good coverage for mold risks
Good coverage for compliance with building code

Watch for
Limited coverage for some plumbing leaks and other water risks
Limited payment for roof damage

Liberty Mutual provides overall good coverage with some limitations.