State Farm
$1,900
avg annual premium
Dwelling, personal property, liability, medical
coverage types
24-48 hours
claims response time
A++
am best rating
$500-$10,000
deductible options
Multi-policy, security system, claims-free, new home
available discounts
Lemonade
$1,500
avg annual premium
Dwelling, personal property, liability, medical
coverage types
Instant (AI) to 48 hours
claims response time
NR (reinsured by A+ rated carriers)
am best rating
$500-$10,000
deductible options
Claims-free, bundling, smart home
available discounts
USAA
$1,400
avg annual premium
Dwelling, personal property, liability, medical, flood
coverage types
24 hours
claims response time
A++
am best rating
$500-$10,000
deductible options
Multi-policy, military installation, claims-free, loyalty
available discounts
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