Rates source: Quadrant Information Services, based on dwelling coverage of $350,000 with a $1,000 deductible.
*USAA home insurance is only available to veterans, military members and their families.
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Expert Reviewed
Expert Reviewed
Updated: Jul 1, 2024, 5:24am
Progressive and Erie are the cheapest homeowners insurance companies, according to our analysis. Aside from home insurance costs, look at other factors like coverage and discounts when choosing the right policy for you. Here are our top picks.
Company | Company - Logo | Average annual cost for $350,000 dwelling coverage | Editors’ take | Forbes Advisor Rating | Forbes Advisor Rating |
---|---|---|---|---|---|
Progressive | $729 | Best for cheap home insurance | 5.0 | ||
Erie | $1,256 | Best for coverage perks | 5.0 | ||
USAA* | $1,270 | Best for military members and veterans | 4.9 | ||
Westfield | $1,344 | Best for customer satisfaction | 4.8 | ||
Nationwide | $1,157 | Best for high-value homes | 4.3 | ||
State Farm | $1,298 | Best for bundling home and auto | 4.2 | ||
Auto-Owners | $1,525 | Best for discounts | 4.1 |
Rates source: Quadrant Information Services, based on dwelling coverage of $350,000 with a $1,000 deductible.
*USAA home insurance is only available to veterans, military members and their families.
How We Found The Cheapest Home Insurance Companies
We analyzed home insurance rates for four different dwelling coverage limits and complaints to state insurance departments between 2021 and 2023. Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. You can read more about our editorial guidelines and the methodology for the ratings below.
We found that Progressive offers the most affordable coverage for four different dwelling coverage amounts: $200,000, $350,000, $500,000 and $750,000. Though Erie has slightly higher rates, the company combines those excellent rates with low consumer complaints.
Average annual cost for $350,000 dwelling coverage
$729
Three-year complaint trend to state insurance departments
Higher than average
$729
Higher than average
We like Progressive because it offers the cheapest home insurance across multiple types of coverage, among companies we evaluated. We suggest getting quotes from Progressive if you’re looking to pay the least for home insurance and don’t care so much about policy add-ons like extended replacement coverage, which Progressive doesn’t offer.
Progressive is available in all 50 states and Washington, D.C.
Average annual cost for $350,000 dwelling coverage
$1,256
Three-year complaint trend to state insurance departments
Very low
$1,256
Very low
We’re impressed by Erie because it offers cheaper-than-average home insurance rates and has had a very low complaint level to state departments of insurance over the past three years. That low complaint ratio can signify high customer satisfaction. We were also impressed by Erie’s great dwelling coverage options. These include extended and guaranteed replacement cost options, which pay above your dwelling limit if your home is destroyed and rebuild costs exceed your limit.
Erie home insurance is available in 12 states and Washington, D.C.:
Average annual cost for $350,000 dwelling coverage
$1,270
Three-year complaint trend to state insurance departments
Very low
$1,270
Very low
We like USAA’s low home insurance rates coupled with multiple types of discounts and very low state insurance department complaints. If you qualify for a USAA policy, we think it would be wise to request a quote from USAA to see how much you could save.
USAA is available to veterans, military members and their families in all 50 states and Washington, D.C.
Average annual cost for $350,000 dwelling coverage
$1,344
Three-year complaint trend to state insurance departments
Very low
$1,344
Very low
We found that Westfield customers with $350,000 dwelling coverage save an average of nearly $335 each year compared to other major competitors. We suggest checking out Westfield if you live in one of 10 states where it sells home insurance and you’re looking to save. It also has a very low complaint level to state insurance departments.
Westfield home insurance is available in 10 states:
Average annual cost for $350,000 dwelling coverage
$1,157
Three-year complaint trend to state insurance departments
Higher than average
$1,157
Higher than average
Nationwide offers excellent rates for multiple levels of coverage. Though we love the low costs, Nationwide’s complaints to state insurance departments are higher than many competitors. Still, high-net-worth policyholders may appreciate Nationwide’s Private Client insurance that offers a cash-out option if you lose your home and decide not to rebuild. That program also covers accidental breakage for high-price items and equipment breakdown for home systems and appliances.
Nationwide home insurance is available in 43 states and Washington D.C. It is not available in:
Average annual cost for $350,000 dwelling coverage
$1,298
Three-year complaint trend to state insurance departments
Average
$1,298
Average
We like that State Farm policyholders save $380 on average each year for $350,000 dwelling coverage compared to top competitors in our analysis. We also picked State Farm because it has the largest bundling discount of the companies we analyzed. State Farm has better-than-average rates across several levels of coverage and is available in all states, which makes it worth considering.
State Farm offers home insurance in all 50 states and Washington, D.C.
Average annual cost for $350,000 dwelling coverage
$1,525
Three-year complaint trend to state insurance departments
Very low
$1,525
Very low
We like Auto-Owners’ wide range of home insurance discounts and cheaper-than-average rates. The company also has a very low complaint trend, which can be a sign of high customer satisfaction. We suggest checking for all the discounts that match your homeowner profile when shopping for a policy.
Auto-Owners is available in 26 states:
A variety of situations can impact your home insurance costs—and affect which homeowners insurance company is the cheapest for you.
Progressive has the cheapest homeowners insurance if you’re choosing a high deductible for your policy.
You can save money by raising your homeowners insurance deductible. A deductible is the amount your insurer subtracts from your insurance check after a claim. Common deductibles for home insurance are $500 and $1,000, but you can save by increasing your deductible.
These companies are all cheaper than the national average of $1,586 per year for a policy with a $2,000 deductible, based on the companies in our analysis.
Home insurance company | Average home insurance cost per year with a $2,000 deductible |
---|---|
$760
|
|
$1,183
|
|
USAA*
|
$1,233
|
$1,236
|
|
$1,239
|
|
$1,315
|
|
$1,385
|
|
$1,508
|
|
$1,536
|
|
National Average
|
$1,586
|
Progressive tops the list for cheapest home insurance with Nationwide, Erie, USAA and Westfield as companies with averages well below the national average.
$200,000 Dwelling Coverage Limit
Home insurance company | Average annual cost for $200,000 dwelling coverage | Average monthly cost for $200,000 dwelling coverage |
---|---|---|
$514
|
$43
|
|
$752
|
$63
|
|
$773
|
$64
|
|
USAA*
|
$869
|
$72
|
$896
|
$75
|
|
$1,055
|
$88
|
|
$1,062
|
$89
|
|
$1,101
|
$92
|
|
$1,113
|
$93
|
|
Farmers
|
$1,286
|
$107
|
Country
|
$1,358
|
$113
|
American Family
|
$1,440
|
$120
|
Shelter
|
$1,478
|
$123
|
Travelers
|
$2,404
|
$200
|
National average
|
$1,150
|
$96
|
Coverage for $350,000 Dwelling Coverage Limit
Company name | Annual average for $350,000 dwelling coverage | Monthly average for $350,000 dwelling coverage |
---|---|---|
$729
|
$61
|
|
$1,157
|
$96
|
|
$1,256
|
$105
|
|
$1,270
|
$106
|
|
$1,298
|
$108
|
|
$1,344
|
$112
|
|
$1,395
|
$116
|
|
$1,525
|
$127
|
|
$1,810
|
$151
|
|
$2,020
|
$168
|
|
$2,035
|
$170
|
|
$2,065
|
$172
|
|
Shelter
|
$2,363
|
$197
|
$3,220
|
$268
|
|
National average
|
$1,678
|
$140
|
Coverage for $500,000 Dwelling Coverage Limit
Company name | Annual average for $500,000 dwelling coverage | Monthly average for $500,000 dwelling coverage |
---|---|---|
$975
|
$81
|
|
$1,513
|
$126
|
|
$1,591
|
$133
|
|
$1,652
|
$138
|
|
$1,663
|
$139
|
|
$1,708
|
$142
|
|
$1,784
|
$149
|
|
$1,987
|
$166
|
|
$2,519
|
$210
|
|
$2,559
|
$213
|
|
$2,774
|
$321
|
|
$2,831
|
$236
|
|
Shelter
|
$3,292
|
$274
|
$4,124
|
$344
|
|
National average
|
$2,212
|
$184
|
Here’s a look at the cheapest home insurance in each state, based on the companies we analyzed.
State | Cheapest company | Average annual cost | Average monthly cost |
---|---|---|---|
Farmers
|
$543
|
$45
|
|
Alaska
|
Country Financial
|
$646
|
$54
|
Progressive
|
$430
|
$36
|
|
Farmers
|
$1,766
|
$147
|
|
National General
|
$520
|
$43
|
|
Auto-Owners
|
$1,152
|
$96
|
|
Century National
|
$497
|
$41
|
|
State Farm
|
$600
|
$50
|
|
Security First
|
$356
|
$30
|
|
Progressive
|
$622
|
$52
|
|
Hawaii
|
Dongbu
|
$219
|
$18
|
Idaho
|
American National
|
$242
|
$30
|
Erie
|
$802
|
$67
|
|
Buckeye
|
$435
|
$36
|
|
Iowa
|
Nationwide
|
$938
|
$78
|
Kansas
|
Auto-Owners
|
$1,537
|
$128
|
Progressive
|
$659
|
$55
|
|
Centauri
|
$638
|
$53
|
|
Vermont Mutual
|
$486
|
$41
|
|
Erie
|
$729
|
$61
|
|
Norfolk and Dedham
|
$452
|
$38
|
|
Auto-Owners
|
$338
|
$28
|
|
Secura
|
$1,011
|
$84
|
|
Allstate
|
$1,014
|
$85
|
|
Missouri
|
Nationwide
|
$1,038
|
$87
|
Montana
|
Nationwide
|
$833
|
$69
|
Nebraska
|
Nationwide
|
$1,505
|
$125
|
Nevada
|
CSAA
|
$583
|
$49
|
Amica
|
$563
|
$47
|
|
United P&C
|
$405
|
$34
|
|
New Mexico
|
State Farm
|
$1,138
|
$95
|
Ocean Harbor Casualty
|
$395
|
$33
|
|
Nationwide
|
$411
|
$34
|
|
North Dakota
|
EMC Insurance
|
$1,201
|
$100
|
Buckeye
|
$363
|
$30
|
|
American National and State Farm (tie)
|
$2,411
|
$201
|
|
Mutual of Enumclaw
|
$449
|
$37
|
|
Cumberland
|
$506
|
$42
|
|
State Farm
|
$636
|
$53
|
|
Bankers
|
$715
|
$60
|
|
South Dakota
|
Nationwide
|
$1,026
|
$86
|
American National
|
$697
|
$58
|
|
Bankers
|
$619
|
$52
|
|
Utah
|
Unigard
|
$425
|
$35
|
Vermont Mutual
|
$453
|
$38
|
|
Virginia
|
Progressive
|
$542
|
$45
|
Nationwide
|
$387
|
$32
|
|
West Virginia
|
Progressive
|
$858
|
$72
|
Rockford Mutual
|
$575
|
$48
|
|
Wyoming
|
Nationwide
|
$812
|
$68
|
Location is one factor that goes into home insurance costs. Our research found the cheapest company often varies by where you live.
State | City | Company | Average annual rate for company in the city | Overall average annual rate by city |
---|---|---|---|---|
Arizona
|
Mesa
|
State Farm
|
$1,148
|
$1,744
|
Phoenix
|
State Farm
|
$1,159
|
$1,850
|
|
Tucson
|
Nationwide
|
$911
|
$1,547
|
|
California
|
Bakersfield
|
Allstate
|
$351
|
$1,241
|
Fresno
|
Allstate
|
$338
|
$1,245
|
|
Long Beach
|
Allstate
|
$297
|
$1,484
|
|
Los Angeles
|
Allstate
|
$316
|
$1,733
|
|
Oakland
|
Allstate
|
$404
|
$1,172
|
|
San Diego
|
Allstate
|
$415
|
$1,159
|
|
San Francisco
|
Allstate
|
$394
|
$1,300
|
|
San Jose
|
Allstate
|
$370
|
$1,049
|
|
Colorado
|
Colorado Springs
|
Nationwide
|
$1,752
|
$3,666
|
Denver
|
Grange
|
$1,719
|
$3,480
|
|
Florida
|
Jacksonville
|
Travelers
|
$769
|
$1,617
|
Miami
|
Travelers
|
$1,216
|
$2,223
|
|
Tampa
|
Travelers
|
$881
|
$1,626
|
|
Georgia
|
Atlanta
|
PURE
|
$1,293
|
$2,006
|
Illinois
|
Chicago
|
State Farm
|
$1,058
|
$1,719
|
Indiana
|
Indianapolis
|
Buckeye
|
$746
|
$1,948
|
Kansas
|
Wichita
|
Auto-Owners
|
$2,417
|
$3,565
|
Kentucky
|
Louisville
|
Auto Club Group
|
$1,429
|
$2,246
|
Maryland
|
Baltimore
|
State Farm
|
$1,215
|
$1,778
|
Massachusetts
|
Boston
|
State Farm
|
$452
|
$1,729
|
Michigan
|
Detroit
|
Auto-Owners
|
$581
|
$3,689
|
Minnesota
|
Minneapolis
|
Secura
|
$1,363
|
$2,240
|
Missouri
|
Kansas City
|
Nationwide
|
$1,432
|
$3,004
|
Nebraska
|
Omaha
|
State Farm
|
$2,236
|
$3,888
|
Nevada
|
Las Vegas
|
CSAA
|
$806
|
$1,160
|
New Mexico
|
Albuquerque
|
State Farm
|
$1,030
|
$2,245
|
New York
|
New York City
|
Kemper
|
$809
|
$2,131
|
North Carolina
|
Charlotte
|
State Farm
|
$345
|
$1,256
|
Raleigh
|
State Farm
|
$423
|
$1,405
|
|
Ohio
|
Columbus
|
Buckeye
|
$609
|
$1,398
|
Oklahoma
|
Oklahoma City
|
American National
|
$1,921
|
$5,619
|
Tulsa
|
American National
|
$1,062
|
$3,729
|
|
Oregon
|
Portland
|
Capital Insurance
|
$325
|
$938
|
Pennsylvania
|
Philadelphia
|
American National
|
$840
|
$1,691
|
Tennessee
|
Memphis
|
American National
|
$854
|
$3,125
|
Nashville
|
American National
|
$662
|
$2,188
|
|
Texas
|
Austin
|
Mercury
|
$682
|
$1,467
|
Dallas
|
Mercury
|
$795
|
$2,291
|
|
El Paso
|
Mercury
|
$740
|
$1,302
|
|
Fort Worth
|
Mercury
|
$723
|
$2,393
|
|
Houston
|
Mercury
|
$817
|
$2,255
|
|
San Antonio
|
Mercury
|
$602
|
$1,521
|
|
Virginia
|
Virginia Beach
|
State Farm
|
$792
|
$2,401
|
Washington
|
Seattle
|
Nationwide
|
$446
|
$1,229
|
Wisconsin
|
Milwaukee
|
IMT
|
$699
|
$1,233
|
Most states allow insurance companies to use a homeowner’s credit as a factor when setting home insurance rates. We found that Progressive offers the cheapest home insurance for many homeowners, especially those with poor credit.
Company | Average annual cost for homeowners with poor credit | Annual $ difference compared to national average of $4,131 a year |
---|---|---|
$1,312
|
-$2,819
|
|
$2,262
|
-$1,869
|
|
$2,473
|
-$1,658
|
|
$2,591
|
-$1,540
|
|
$2,822
|
-$1,309
|
|
$3,266
|
-$865
|
|
$3,307
|
-$824
|
|
$3,465
|
-$666
|
|
$4,473
|
$342
|
|
$4,584
|
$453
|
|
Shelter
|
$4,916
|
$785
|
$8,018
|
$3,887
|
|
$10,211
|
$6,080
|
Company | Average annual cost for homeowners with excellent credit | Annual $ difference compared to national average of $1,352 a year |
---|---|---|
$794
|
-$558
|
|
$897
|
-$455
|
|
$961
|
-$391
|
|
$1,036
|
-$316
|
|
$1,078
|
-$274
|
|
$1,087
|
-$265
|
|
$1,182
|
-$170
|
|
$1,262
|
-$90
|
|
$1,376
|
$24
|
|
$1,600
|
$248
|
|
$1,642
|
$290
|
|
$1,675
|
$323
|
|
$1,699
|
$347
|
|
Shelter
|
$2,644
|
$1,292
|
A credit-based insurance score is not the same as your personal credit score. For example, your regular FICO credit score looks at several factors of your credit history to determine how likely you are to repay a loan or credit card, while a credit-based insurance score looks at the factors to determine how likely you are to file an insurance claim.
You can improve your insurance score the same way you would improve your credit score: Make credit card and loan payments on time, and keep your balances on credit cards as low as possible.
The age of your house generally plays a part in how much you pay for homeowners insurance. Insurers often charge lower rates for new homes.
Our analysis found that insurance for new homes costs an average of 41% less when compared to a 50-year-old home. The average difference varies between 29% and 62% depending on the company.
Company | Average annual cost for new home rate (2023 construction) | Average annual cost for 50-year home | Annual $ difference between new vs. old home |
---|---|---|---|
$1,298
|
$2,681
|
$1,383
|
|
$1,667
|
$2,375
|
$708
|
|
$2,036
|
$2,870
|
$834
|
|
Mercury
|
$684
|
$1,424
|
$740
|
$1,239
|
$3,233
|
$1,994
|
|
$1,158
|
$1,943
|
$785
|
|
$2,416
|
$5,926
|
$3,510
|
|
$1,213
|
$2,679
|
$1,466
|
|
$1,252
|
$1,888
|
$636
|
|
Average premium
|
$1,176
|
$2,003
|
$827
|
Construction materials will affect your home insurance costs. Fire-resistive construction usually leads to lower rates because insurance companies believe those structures are a lower risk than regular frame construction.
You could save over $200 annually on your home insurance depending on the construction type and the insurance company if you own a home built with fire-resistant materials. According to the Federal Emergency Management Agency, fire-resistive building construction includes:
Company | Average annual cost for frame construction | Average annual cost for fire-resistive construction |
---|---|---|
$1,760
|
$1,601
|
|
$1,840
|
$1,840
|
|
$2,330
|
$2,303
|
|
Mercury
|
$896
|
$860
|
$1,642
|
$1,493
|
|
$1,420
|
$1,232
|
|
$3,046
|
$2,983
|
|
$1,576
|
$1,564
|
|
$1,350
|
$1,312
|
|
Average premium
|
$1,446
|
$1,264
|
Your home’s roof can play a part in your homeowners insurance cost, though not as much of a cost driver as other factors. You may save about $100 a year if you have a metal roof compared to an asphalt roof, but this will depend on the insurer.
Company | Average annual home insurance cost for asphalt roof | Average annual home insurance cost for metal roof | Average annual home insurance cost for slate roof | Average annual home insurance cost for wood roof |
---|---|---|---|---|
$1,764
|
$1,668
|
$1,680
|
$1,884
|
|
$1,836
|
$1,860
|
$1,836
|
$2,196
|
|
$2,340
|
$2,124
|
$2,472
|
$2,472
|
|
Mercury
|
$888
|
$900
|
$888
|
$948
|
$1,668
|
$1,632
|
$1,560
|
$1,788
|
|
$1,416
|
$1,416
|
$1,416
|
$1,452
|
|
$3,060
|
$2,904
|
$2,880
|
$3,300
|
|
$1,680
|
$1,656
|
$1,584
|
$1,740
|
|
$1,344
|
$1,344
|
$1,344
|
$1,356
|
|
Average rate
|
$1,452
|
$1,440
|
$1,440
|
$1,488
|
EXPERT TIPS
Andrew Biscay
Home Insurance Expert
Les Masterson
Insurance Editor
Amy Danise
Insurance Managing Editor
Michelle Megna
Insurance Lead Editor
Jason Metz
Insurance Lead Editor
Penny Gusner
Insurance Senior Writer
Many insurers are now offering specific wind/hail deductibles and it is worth exploring a higher deductible in exchange for a lower premium. Ask the carrier to reorder your credit report if you feel it has improved since the policy was set up. Make sure you’re bundling home/auto when possible, and shop around with a broker or adjust lines of coverage that might have inflated over the years such as personal property. Call your current agent. They will usually have multiple suggestions to help overall premium reductions.
Home Insurance Expert
I recommend comparison shopping, which includes getting quotes from at least three different companies. Request quotes for the same coverage levels from each insurer so that you can compare apples to apples.
Insurance Editor
If you’re looking to save, I recommend checking to make sure you’re not paying for unneeded coverage. Assess your coverage to be sure limits and deductibles are correct for your current situation. Think about whether you have changed anything that could have lowered the “risk” you pose to your insurance company. For instance, if you got rid of a trampoline or no longer own a dog that was affecting your home insurance rates, tell your company and see if it can reduce your rates.
Insurance Managing Editor
I recommend making sure you’re getting all the home insurance discounts you’re eligible for. One way is by bundling insurance for your house and vehicles with the same company, which is usually one of the best discounts, often between 5% to 25%. Other common discounts include loyalty discounts, new home discounts and retired discounts.
Insurance Lead Editor
I suggest asking your insurance agent how much you can save if you increase your home insurance deductible. The deductible is the amount deducted from an insurance claim check. By lowering potential payouts, you should get cheaper home insurance.
Insurance Lead Editor
Depending on where you live, you may save on insurance by updating your roof and shutters. Certain types of roofing materials can result in lower home insurance premiums. I’ve also seen that some homeowners insurance companies offer discounts for houses with storm shutters and impact-resistant glass on exterior windows.
Insurance Senior Writer
There a several factors that impact home insurance costs, such as:
Cost to RebuildThe dwelling insurance portion of a homeowners policy covers your house if it’s damaged or destroyed in a worst-case scenario (such as a fire). Your dwelling coverage limit should match the amount it will cost to rebuild your house. The higher your rebuilding costs, the more you’ll pay for home insurance. |
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Building Materials and AgeYour home’s building materials, such as brick, stone, stucco or wood, will influence insurance costs. Some materials are more weather- and fire-resistant. Older homes typically cost more to insure. New homes have updated systems, such as electrical and plumbing, that are less likely to cause issues. |
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Fire RatingA home’s fire rating includes the distance to the closest fire station and water source. A house that’s farther away from hydrants and fire stations can be considered a higher risk by insurance companies. |
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Property’s Claims HistoryHome insurance companies look at the area’s crime rates and natural disasters, including hurricanes and tornadoes. In fact, you may pay more if the previous homeowner filed multiple claims before selling to you. |
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Your Claims HistoryHomeowners who don’t have a history of filing insurance claims generally get cheaper home insurance. That’s one reason why you should be careful to file home insurance claims only when it’s absolutely necessary. For instance, if your home is damaged and the cost to repair is only slightly more than your deductible, you likely want to handle the cost of repairs yourself. |
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Coverage and Policy LimitsHigher liability limits and other coverage—such as extended or guaranteed replacement cost coverage—will mean higher home insurance costs. Figure out what you could lose if someone is injured and sues you. That may include the value of your house and property. Buy enough liability coverage to properly cover you. |
While paying less for home insurance may be your goal, don’t sacrifice coverage for a cheaper policy that leaves you underinsured.
That includes purchasing enough dwelling coverage to pay to repair or replace your home if it’s damaged. Your insurance company or agent should help you figure out the right amount of dwelling coverage.
You also want to get enough personal liability home insurance. Liability coverage pays for accidental injury or damage that you and your household members do to others. It also pays for your legal defense if you’re sued because of an injury or damage covered by your home insurance.
Instead, consider other ways to decrease costs, such as choosing a higher deductible and shopping around for a policy with lower rates by comparing home insurance quotes.
To find the cheapest home insurance companies we analyzed costs around the country and complaints about home insurance made to state departments of insurance. We scored companies based on these factors:
Read more: How Forbes Advisor rates home insurance companies
Looking for Homeowners Insurance?
Here are other home insurance companies we analyzed as part of our analysis.
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Home insurance companies base their rates on risk, so you may see your home insurance costs increase if you file claims or if there have been multiple claims in your area. An insurance company could also increase rates based on other factors, including inflation and higher building costs.
Hawaii is the cheapest state for home insurance. Homeowners pay $380 annually, on average, for a home policy with $350,000 dwelling coverage.
Other states with an average of less than $1,000 yearly for that coverage include Nevada ($883), New Jersey ($968), New Hampshire ($970) and Delaware ($983).
Home insurance companies may charge you more if you have a pool since insurers may deem your property a higher risk.
Our analysis found that Mercury charges 13% more to homeowners with a pool for $350,000 dwelling coverage. Westfield charges an extra 11% and Farmers charges another 5%. Other insurance companies we reviewed, including Allstate, Nationwide, State Farm and USAA, don’t charge more for pools.
Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them. Penny enjoys translating the complexities of insurance into easy-to-understand advice and tips to help consumers make the best choices for their needs. Her work has been featured in numerous major media outlets, including The Washington Post and Kiplinger’s.
Andrew Biscay is the president of South Lake Agency, an insurance brokerage based in the Minneapolis area that offers multiple types of policies, including home insurance.
With a background in both business management and technology, Andrew's career trajectory has been marked by a commitment to innovation. Early on, he recognized the transformative power of technology within the insurance industry, driving him to pioneer cutting-edge solutions that streamline processes and enhance client experiences.
Andrew serves on the board of directors for multiple community and business-focused organizations and has a special interest in small business development.