Who Are The Top Homeowners Insurance Companies? 
Underwriting appetite will vary not only from state to state but from zip codes . A strong well established company may be writing new policies in your state but may have stopped writing in a certain area . I would find a well established independent insurance agent in your area and ask if they represent more than one homeowners insurance company . Get a few quotes and ask a few simple questions . How long has the home insurance company been writing in the state ? If new , be aware of introductory rates to get new policies followed by incremental rate increases at renewal . Financial stability with the rating agencies ? You can check AM Best and Demotech for financial stability rating . What is your experience with the company 's claims process ? This is important because a company may have a competitive price but are slow to pay out on claims . If an agent represents more than one company , he may be giving you the lowest premium but if you ask , the agent may recommend another company with a little higher premium but better claims service . 