Your home and car are probably your biggest investments, so keeping them protected with the right insurance is a no-brainer. But with so many options out there, picking the top-rated insurance companies for home and auto can feel like a daunting task. Don’t worry—I’ve got you covered! In this guide, we’ll walk through the top home and auto insurance companies in 2025, why bundling your policies can save you money, and what to look for when choosing a provider. Whether you’re a first-time homeowner or a seasoned driver, this list of auto and home insurance companies will help you find the best fit for your needs.

Related: How To Get The Best Car Insurance In 5 Steps

Why Bundle Your Home and Auto Insurance?

Bundling your home and auto insurance means getting both policies from the same company, and it’s a game-changer for a lot of people. Not only can it save you some serious cash—Forbes says you could save anywhere from 6% to 23%, averaging about $466 a year—but it also makes life easier. Here’s why bundling is worth considering:

  • One-Stop Shop: Dealing with one company for both policies means less hassle when it comes to payments, claims, or customer service.

  • Extra Perks: Some insurers, like those mentioned by CNBC, might waive the smaller deductible if both your home and car get hit in the same incident (think a big storm or accident).

  • Big Savings: Discounts for bundling can be huge, sometimes up to 30%, depending on the company.

That said, bundling isn’t always the cheapest route. Sometimes, getting separate policies from different providers can save you more, so it’s worth shopping around. Let’s dive into the top home and auto insurance companies for 2025 to help you find the perfect match.

The Top-Rated Insurance Companies for Home and Auto in 2025

Based on the latest insights from places like J.D. Power, U.S. News, Forbes, and The Zebra, here’s a rundown of the top-rated insurance companies for home and auto that shine in customer service, coverage options, and affordability. These companies are killing it when it comes to keeping customers happy and offering solid deals on bundled policies.

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1. USAA

Perfect for Military Families

If you’re in the military, a veteran, or part of a military family, USAA is hands-down one of the top home and auto insurance companies out there. U.S. News ranks it No. 1 for both homeowners and bundled coverage, and it’s a fan favorite for auto insurance too. With a bundling discount of up to 10% and super competitive rates, USAA is tough to beat. Plus, they throw in cool extras like identity theft protection for homes and coverage for military uniforms in auto policies.

  • Why You’ll Love It:

    • Tops The Zebra’s 2025 customer satisfaction survey with an 8.9/10 score.

    • Affordable rates, especially for car insurance.

    • Standard home policies include dwelling replacement and identity theft coverage.

  • The Catch:

    • Only available to military members, veterans, and their families.

    • Home insurance rates might be a bit higher than some competitors like Amica.

  • Where It’s Available: Nationwide, including Washington, D.C.

USAA is a slam dunk for eligible folks looking for top-notch service and value.

2. Amica

Great for Saving Money and Happy Customers

Amica’s a crowd-pleaser, and for good reason—it’s affordable and keeps customers smiling. U.S. News ranks it No. 2 for homeowners insurance, and it’s one of the cheapest options out there. J.D. Power’s 2025 survey gives Amica high marks, ranking it third for overall home insurance satisfaction and second for claims.

  • Why You’ll Love It:

    • Bundling discounts can hit up to 30%, according to NerdWallet.

    • Dividend policies might return 5%-20% of your premium.

    • Loads of discounts, like for new or remodeled homes or going paperless.

  • The Catch:

    • Not available in Alaska, Hawaii, or Washington, D.C.

    • Doesn’t offer some auto coverage extras, like gap insurance.

  • Where It’s Available: 47 states.

If you’re after quality coverage without breaking the bank, Amica’s a fantastic pick.

3. State Farm

Best for Nationwide Reach

State Farm’s the biggest name in auto insurance, holding an 18% market share, per ValuePenguin. It’s also a solid choice for home insurance, with Forbes highlighting its hefty bundling discount of up to 23%. Whether you’re in a big city or a small town, State Farm’s got you covered with affordable rates and handy digital tools.

  • Why You’ll Love It:

    • Available in 47 states and Washington, D.C. (not in California, Massachusetts, or Rhode Island).

    • Save up to 30% with the Drive Safe & Save program for auto insurance.

    • Includes identity theft protection in standard home policies.

  • The Catch:

    • Customer satisfaction scores are just average, per J.D. Power and NAIC.

    • Fewer discounts compared to someone like Amica.

  • Where It’s Available: Almost everywhere.

State Farm’s a great go-to if you want a reliable, widely available option with big savings.

4. Auto-Owners

Best for Wallet-Friendly Rates

Auto-Owners is a hidden gem for those in its service areas. U.S. News ranks it No. 2 for home and auto bundles, and Forbes calls it the cheapest for bundled coverage among big insurers. It’s also got a stellar rep for customer service and claims handling.

  • Why You’ll Love It:

    • Super competitive rates for both home and auto.

    • No. 1 for customer service in U.S. News’ survey.

    • Unique add-ons like coverage for home-based businesses.

  • The Catch:

    • Only available in 26 states, like Florida and North Carolina.

    • Digital tools lag behind bigger players.

  • Where It’s Available: 26 states.

If Auto-Owners operates in your state, it’s worth a look for affordable, quality coverage.

5. Erie

Best for Coverage Options

Erie’s a smaller player but packs a punch with its coverage options. Think guaranteed replacement cost for homes and accident forgiveness for auto policies. Forbes and The Zebra love Erie’s claims handling, with The Zebra’s 2025 survey ranking it No. 1 in that category.

  • Why You’ll Love It:

    • Awesome home coverage, like extended water damage and guaranteed replacement cost.

    • Competitive rates in the 12 states it serves.

    • Family-friendly discounts, like the Next Generation Discount.

  • The Catch:

    • Only available in 12 states and Washington, D.C.

    • Digital tools aren’t as slick as bigger insurers.

  • Where It’s Available: 12 states, including Pennsylvania and Ohio.

Erie’s a great choice if you’re in its region and want robust coverage.

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6. Chubb

Best for High-Value Homes

Got a fancy home? Chubb’s your guy. Its Masterpiece policy includes extended replacement cost coverage as standard, and J.D. Power’s 2025 survey ranks it No. 1 for both overall home insurance satisfaction and claims handling. It’s a premium option for those who want the best.

  • Why You’ll Love It:

    • Top scores for customer and claims satisfaction.

    • Unique perks, like cash settlements if you need to relocate after a disaster.

    • Up to 10% bundling discount.

  • The Catch:

    • Premiums are higher, especially for non-luxury homes.

    • Less appealing if your home isn’t high-value.

  • Where It’s Available: Nationwide.

Chubb’s perfect for homeowners who want top-tier coverage and don’t mind paying for it.

Related: Securing Affordable Home Insurance: Smart Choices For Budget-Conscious Homeowners

7. Nationwide

Best for Extra Goodies

Nationwide’s got your back with cool perks, like coverage for credit card fraud and forged checks in standard home policies. U.S. News notes its bundling discounts of up to 20% and competitive rates, especially for drivers with less-than-perfect records.

  • Why You’ll Love It:

    • Low complaint rates (0.6 NAIC ratio, below the average of 1.0).

    • Strong scores for value and claims in consumer surveys.

    • Available everywhere.

  • The Catch:

    • Customer service rankings are just okay.

    • Dropped from the top 10 auto insurers in 2024, per CNBC.

  • Where It’s Available: Nationwide.

Nationwide’s a solid all-around choice with some nice extras thrown in.

What to Keep in Mind When Picking a Provider

With so many great options on this list of auto and home insurance companies, how do you choose? Here are some key things to think about:

  1. Customer Service and Claims:

    • Go for companies with high J.D. Power scores and low NAIC complaint ratios (under 1.0). USAA, Amica, and Chubb are leaders here.

    • Check claims satisfaction—Erie and Chubb are tops for making claims stress-free.

  2. Bundling Discounts:

    • Compare discounts to see what you’ll actually save. State Farm (up to 23%) and Amica (up to 30%) are hard to beat.

  3. Coverage Needs:

    • Make sure the insurer offers what you need, like flood coverage (Chubb) or accident forgiveness (Erie).

    • High-value homeowners might lean toward Chubb for its premium options.

  4. Availability:

    • Double-check the company operates in your state. USAA and Nationwide are everywhere, but Erie and Auto-Owners are pickier.

  5. Price:

    • Get quotes from at least three companies, as CNBC suggests, to compare apples to apples. Amica and Auto-Owners often come in low.

  6. Digital Tools:

    • If you like managing things online, go for insurers with user-friendly apps, like State Farm or USAA.

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How to Save Even More

Want to stretch your dollar further? Try these tips:

  • Shop Around Every Year: Rates change, so compare quotes at renewal time. Sites like The Zebra make it easy.

  • Raise Your Deductibles: Higher deductibles mean lower premiums, but make sure you can cover the cost if you need to file a claim.

  • Grab Every Discount: Look for deals like safe driver, good student, or home security system discounts. State Farm’s Drive Safe & Save can save you up to 30%.

  • Stay Claims-Free: Companies like Mercury offer discounts (up to 15% after five years) for not filing claims.

  • Pay Upfront: Paying your premium annually instead of monthly can cut fees and score you extra savings, per CNBC.

Wrapping It Up

Finding the right home and auto insurance doesn’t have to be a headache. The top-rated insurance companies for home and auto in 2025—like USAA, Amica, State Farm, Auto-Owners, Erie, Chubb, and Nationwide—offer great coverage, solid customer service, and awesome bundling discounts. Whether you’re a military family (USAA), looking for affordability (Amica), or need nationwide coverage (State Farm), there’s something for everyone on this list of auto and home insurance companies.

Take your time, get a few quotes, and think about what matters most to you—price, coverage, or service. By shopping smart and taking advantage of discounts, you’ll find the perfect insurer to protect your home and car without breaking the bank.