We balanced the craving for the lowest possible premiums with other considerations: consistent customer service, financial stability to pay out the claims, and nationwide availability. Below are our top picks, we encourage you to compare multiple rates to find the best fit for you by using our tool. Purchasing homeowners insurance is a necessary evil of home ownership — it’s a bill that’s not super cheap, but it’s not one you can skip. After all, it’s what protects you in the event of fire, flood, burglary, or a number of other costly calamities. And while you don’t want to overpay, you also need a company that won’t drop the ball in worst-case scenarios. After all, saving a few bucks a month doesn’t mean much if you can’t get someone on the phone after a flood.
Read more: 9 Ways to Pay Less for Home Insurance