*not officially rated by j.d. proxy due to eligibility restrictions
Please note that average annual rates are based on $250,000 in home coverage.
ideal for: military coverage
usaa only provides insurance and banking products to those who are current or retired members of the military and their families. if you fit that demographic, you might want to make us. uu. your first stop. The company is known for its excellent customer service, financial stability, and insurance coverage that is tailored to the specific needs of military families. In addition to homeowners insurance, USAA also writes policies for renters, auto, personal property, condominiums and more. usaa isn’t the cheapest on our list, but its average premium is lower than the state average. however, since usaa membership is only available to qualified military members, veterans, and family members, not everyone will qualify for the company’s insurance products.
more information: usa insurance review. uu.
best for: access to a network of local agents
state farm is the largest insurer by market share in the united states and also boasts high financial strength and customer satisfaction scores. State Farm offers a wide range of customizable coverage options and, in addition to homeowners insurance, offers coverage for condos, renters, autos, RVs, farms and more. It also has a user-friendly website, making it easy to get a quote online or do your business online. For those who prefer to do business in person, State Farm has more than 100 offices throughout the state. however, the average state farm premium is the highest on our list.
more information: state agricultural insurance review
ideal for: numerous discount opportunities
allstate is the cheapest homeowners insurance company on our list and offers generous discounts that could lower this rate even further. Allstate may also be a good option for homeowners who want to tailor their policy to their specific needs, as the company offers endorsements like green-improvement reimbursement and electronic data retrieval. however, one thing worth considering is that the company scored below average on the j.d. power 2022 claims satisfaction study.
more information: allstate insurance review
Best for: unique coverage options
farmers offers auto, home, life, business, renters and condo insurance policies. Farmers also offers unique coverage options that are hard to find with other providers, including the Green Rebuild coverage option. If your home needs to be rebuilt due to a covered peril, Green Rebuild coverage pays for the use of environmentally friendly building materials. however, farmers have the lowest customer satisfaction score of j.d. power, so it might not be a good choice for owners looking for high service ratings.
more information: insurance review for farmers
oklahoma farm bureau mutual fund
best for: farm and ranch focused coverage options
oklahoma farm bureau mutual is known for offering excellent insurance options for home, auto, condo and recreational vehicles. For those who work in the agricultural sector, farmers also offer farm and ranch insurance. In addition to basic coverage, the Oklahoma Farm Bureau offers residential equipment breakdown amendments, other construction insurance, and an umbrella policy that provides additional protection if someone is injured on your property. however, as a regional insurer, it is not rated by j.d. Energy. as such, you may want to do some research with current customers to get an idea of the carrier’s level of service.
more information: agricultural office insurance review