Finding the right insurance company for both your home and car can feel overwhelming. You want reliable coverage, fair prices, and excellent customer service when you need it most. After comparing dozens of insurers, I’ve narrowed down the five best options that consistently deliver on all fronts.

Bundling your home and auto insurance with the same company usually saves you money—often between 15% and 25% on your premiums. But savings alone shouldn’t drive your decision. The quality of coverage, claims handling, and customer support matter just as much, especially during stressful situations like accidents or property damage.

1. State Farm: The Reliable Giant

State Farm stands out as the largest property and casualty insurer in America for good reason. With over 19,000 local agents nationwide, you’ll always have someone nearby who knows your name and understands your coverage needs.

What makes State Farm special is their personal touch. When you file a claim, you’re not just a policy number—you’re working with an agent who’s invested in your community. Their mobile app makes managing policies incredibly easy, letting you file claims, pay bills, and access your insurance ID cards within seconds.

The bundling discounts at State Farm can significantly reduce your costs. Customers who combine home and auto policies typically save around 20%, though exact amounts vary by state and individual circumstances. They also offer various other discounts for safe driving, good students, and home security systems.

State Farm excels in claims satisfaction. Their vast network means claims get processed quickly, and their financial strength ensures they can handle even catastrophic losses without hesitation. If you value having a local agent you can visit face-to-face, State Farm deserves your consideration.

2. Geico: Unbeatable Value and Convenience

Geico has built its reputation on competitive pricing, and they deliver on that promise. While they’re famous for auto insurance, their homeowners coverage through partnership with various carriers offers excellent value when bundled together.

The company’s digital-first approach means everything happens fast. You can get quotes in minutes, purchase policies online without talking to anyone, and manage everything through their highly-rated mobile app. This convenience appeals to people who prefer handling insurance matters on their own schedule.

Geico’s 24/7 customer service really shines. Whether it’s 2 PM or 2 AM, you can reach a representative who’ll help with claims, policy changes, or questions. Their claims process is straightforward—report online or by phone, get assigned an adjuster quickly, and receive payment promptly once everything’s approved.

The savings potential with Geico is substantial. Their multi-policy discount, combined with other available savings for things like defensive driving courses or vehicle safety features, can make them one of the most affordable options available. Just remember that homeowners insurance through Geico is actually underwritten by partner companies, so your experience may vary depending on which insurer backs your home policy.

3. Allstate: Comprehensive Protection and Flexibility

Allstate offers something many competitors don’t—extensive customization options. You’re not stuck with cookie-cutter policies. Instead, you can tailor your coverage to match exactly what you need, nothing more and nothing less.

Their Claim RateGuard feature is a game-changer. Unlike most insurers who raise your rates after your first claim, Allstate promises not to increase premiums after your first qualifying claim. This provides real peace of mind, knowing one accident won’t derail your budget.

Allstate’s Drivewise program rewards safe driving with potential discounts up to 40%. By tracking your driving habits through their app, you can earn savings while becoming more aware of your behavior behind the wheel. Similar programs exist for home insurance, where security systems and smart home devices can lower your premiums.

The company maintains a strong network of local agents while also offering robust digital tools. You can choose how you want to interact—meet with an agent in person, handle everything online, or mix both approaches. Their QuickFoto Claim feature lets you submit photos directly through the app, speeding up the entire claims process for minor incidents.

4. USAA: Exceptional Service for Military Families

If you’re eligible for USAA—meaning you or an immediate family member served in the military—you’ve hit the insurance jackpot. USAA consistently ranks at the top of customer satisfaction surveys, and their prices often beat competitors by significant margins.

USAA understands the unique challenges military families face. Deployed overseas? They’ll work with you. Moving frequently due to reassignments? They make policy transfers seamless across state lines. Their customer service representatives often have military connections themselves, creating a level of understanding that’s hard to find elsewhere.

The bundling discounts at USAA are generous, and their coverage options are comprehensive. They offer specialized protections like coverage for military uniforms and equipment, plus flexibility if you’re stationed abroad. Their claims process is consistently praised for being fair, fast, and hassle-free.

One major advantage: USAA members tend to stay with the company for life. That loyalty stems from genuinely excellent service, competitive pricing, and a company culture that prioritizes members over profits. The only downside? If you don’t have a military connection, you can’t join.

5. Progressive: Innovation Meets Affordability

Progressive has earned its place through constant innovation and transparent pricing. Their Name Your Price tool lets you set a budget and then shows you what coverage options fit within it—a refreshingly honest approach in an industry that often feels opaque.

The Snapshot program from Progressive rewards safe drivers with discounts based on actual driving data, not just assumptions. You can monitor your driving score through their app and see exactly how your habits affect your rate. This transparency helps you make informed decisions about your coverage and driving.

Progressive’s HomeQuote Explorer makes bundling simple. You can compare home insurance options from multiple carriers side-by-side, all while maintaining your Progressive auto policy. This one-stop shopping experience saves time and usually saves money through their multi-policy discount.

Their claims service has improved dramatically in recent years. Progressive now offers concierge-level claim service where a dedicated representative handles your claim from start to finish. No getting transferred between departments or repeating your story multiple times—one person manages everything.

What really sets Progressive apart is their shopping comparison tool. Even on their own website, they’ll show you quotes from competitors. This confidence in their pricing demonstrates they’re not trying to hide anything, which builds trust with potential customers.

How to Choose the Right Insurance Company for You

These five companies all offer quality coverage, but the best choice depends on your specific situation. Start by getting quotes from at least three of these insurers. Prices can vary dramatically based on your location, credit score, claims history, and the specifics of your home and vehicles.

Don’t focus solely on price. A company that’s $20 cheaper monthly but provides terrible claims service isn’t saving you money in the long run. Read reviews about claims experiences, not just general customer service. That’s when insurance companies really prove their worth.

Consider how you prefer to interact with your insurer. If you want a local agent you can visit, State Farm or Allstate makes sense. If you’re comfortable managing everything digitally, Geico or Progressive might suit you better. USAA offers the best of both worlds if you’re eligible.

Ask about all available discounts. Beyond bundling, you might qualify for savings based on your profession, alumni associations, safety features in your home and car, or your payment method. These discounts can add up to hundreds of dollars annually.

Review your coverage limits carefully. The cheapest policy might leave you underinsured if disaster strikes. Make sure your home coverage would actually rebuild your house at current construction costs, and your auto liability limits protect your assets if you cause a serious accident.

Making the Final Decision

Insurance isn’t exciting, but it’s essential. The right company provides financial protection and peace of mind without breaking your budget. Each of these five insurers has proven they can deliver quality coverage and service when it matters most.

Take your time comparing options. Get detailed quotes, ask questions about anything you don’t understand, and read your policy documents before signing. Once you’ve chosen a company, review your coverage annually to ensure it still meets your needs as your life changes.

Remember that you’re not locked in forever. If your insurer raises rates unfairly or provides poor service, shop around again. The insurance market is competitive, and companies know they need to earn your business year after year, not just when you first sign up.