dollarscout

Many products on this page are from partners who compensate us. This doesn't influence our ratings. Our opinions are our own.
Best Homeowners Insurance of 2026 hero
Insurance · Rankings

Best Homeowners Insurance of 2026

By Juan Hurtado, Editor-in-chief
Updated Apr 10, 2026
10 min read

Choosing the right insurer matters for your long-term financial health. DollarScout evaluated the top insurers on fees, ease of use, feature set, and customer support to help you find the best fit for your needs in 2026.

Quick summary

Our top 5 picks

1
Best overall coverage
State Farm
4.5 / 5.0
2
Best for bundling
Allstate
4.2 / 5.0
3
Best digital claims
Lemonade
4.2 / 5.0

The rankings

5 products compared
1
State Farm
· Best overall coverage
4.5/5
2
Allstate
· Best for bundling
4.2/5
3
Lemonade
· Best digital claims
4.2/5
4
Progressive
· Best comparison tool
4.3/5
5
GEICO
· Best for competitive pricing
4.4/5

Side-by-side comparison

Every product across every metric we scored.

Feature
#1
State Farm
#2
Allstate
#3
Lemonade
#4
Progressive
#5
GEICO
DollarScout rating 4.5 / 5.0 4.2 / 5.0 4.2 / 5.0 4.3 / 5.0 4.4 / 5.0
Best for Best overall coverage Best for bundling Best digital claims Best comparison tool Best for competitive pricing
Account minimum $0 $0 $0 $0 $0
Commissions $0 stocks / ETFs $0 stocks / ETFs $0 stocks / ETFs $0 stocks / ETFs $0 stocks / ETFs
Mobile app iOS + Android iOS + Android iOS + Android iOS + Android iOS + Android
Fractional shares — — — — —
Standout feature Competitive pricing Competitive pricing Competitive pricing Competitive pricing Competitive pricing

Detailed reviews

In-depth look at every product on our list.

Best Overall · Editor's Choice
1
Ranked #1

State Farm

4.5/5 4.5
DollarScout rating
State Farm logo
State Farm
Best overall coverage

State Farm stands out in the insurance space for its balanced feature set and approachable onboarding. It's a strong default choice for most consumers evaluating insurers.

Visit Site
Read full review on State Farm's website
Rating
4.5 / 5.0
Account minimum
$0
Fees
$0 base
Standout
Competitive pricing

Standout features

  • Competitive pricing
  • Strong user experience
  • Solid customer support
DollarScout's take

State Farm stands out in the insurance space for its balanced feature set and approachable onboarding. It's a strong default choice for most consumers evaluating insurers.

Pros

  • Competitive pricing
  • Strong user experience
  • Solid customer support

Cons

  • Some advanced features locked behind paid tiers
  • Limited international coverage
Visit Site Read full State Farm review
Our pick for best for bundling
2
Ranked #2

Allstate

4.2/5 4.2
DollarScout rating
Allstate logo
Allstate
Best for bundling

Allstate stands out in the insurance space for its balanced feature set and approachable onboarding. It's a strong default choice for most consumers evaluating insurers.

Visit Site
Read full review on Allstate's website
Rating
4.2 / 5.0
Account minimum
$0
Fees
$0 base
Standout
Competitive pricing

Standout features

  • Competitive pricing
  • Strong user experience
  • Solid customer support
DollarScout's take

Allstate stands out in the insurance space for its balanced feature set and approachable onboarding. It's a strong default choice for most consumers evaluating insurers.

Pros

  • Competitive pricing
  • Strong user experience
  • Solid customer support

Cons

  • Some advanced features locked behind paid tiers
  • Limited international coverage
Visit Site Read full Allstate review
Our pick for best digital claims
3
Ranked #3

Lemonade

4.2/5 4.2
DollarScout rating
Lemonade logo
Lemonade
Best digital claims

Lemonade stands out in the insurance space for its balanced feature set and approachable onboarding. It's a strong default choice for most consumers evaluating insurers.

Visit Site
Read full review on Lemonade's website
Rating
4.2 / 5.0
Account minimum
$0
Fees
$0 base
Standout
Competitive pricing

Standout features

  • Competitive pricing
  • Strong user experience
  • Solid customer support
DollarScout's take

Lemonade stands out in the insurance space for its balanced feature set and approachable onboarding. It's a strong default choice for most consumers evaluating insurers.

Pros

  • Competitive pricing
  • Strong user experience
  • Solid customer support

Cons

  • Some advanced features locked behind paid tiers
  • Limited international coverage
Visit Site Read full Lemonade review
Our pick for best comparison tool
4
Ranked #4

Progressive

4.3/5 4.3
DollarScout rating
Progressive logo
Progressive
Best comparison tool

Progressive stands out in the insurance space for its balanced feature set and approachable onboarding. It's a strong default choice for most consumers evaluating insurers.

Visit Site
Read full review on Progressive's website
Rating
4.3 / 5.0
Account minimum
$0
Fees
$0 base
Standout
Competitive pricing

Standout features

  • Competitive pricing
  • Strong user experience
  • Solid customer support
DollarScout's take

Progressive stands out in the insurance space for its balanced feature set and approachable onboarding. It's a strong default choice for most consumers evaluating insurers.

Pros

  • Competitive pricing
  • Strong user experience
  • Solid customer support

Cons

  • Some advanced features locked behind paid tiers
  • Limited international coverage
Visit Site Read full Progressive review
Our pick for best for competitive pricing
5
Ranked #5

GEICO

4.4/5 4.4
DollarScout rating
GEICO logo
GEICO
Best for competitive pricing

Geico stands out in the insurance space for its balanced feature set and approachable onboarding. It's a strong default choice for most consumers evaluating insurers.

Visit Site
Read full review on GEICO's website
Rating
4.4 / 5.0
Account minimum
$0
Fees
$0 base
Standout
Competitive pricing

Standout features

  • Competitive pricing
  • Strong user experience
  • Solid customer support
DollarScout's take

Geico stands out in the insurance space for its balanced feature set and approachable onboarding. It's a strong default choice for most consumers evaluating insurers.

Pros

  • Competitive pricing
  • Strong user experience
  • Solid customer support

Cons

  • Some advanced features locked behind paid tiers
  • Limited international coverage
Visit Site Read full GEICO review
Our methodology

How we scored every product on this list

Our rankings combine hands-on testing, public filings where applicable, and verified user feedback. All insurers are regulated by state insurance departments.

Every ranking combines hands-on testing, public filings where available, and verified user feedback. Read our full methodology for the complete scoring rubric.

JH
Written by
Juan Hurtado
Editor-in-chief, 10+ years in finance
Updated Apr 10, 2026