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10 Lesser Known but Reliable Home Insurance Companies

Shopping for homeowners insurance can be very cumbersome and, at times, overwhelming. Consumers are bombarded with advertisements from all the large companies in the market that spend a large amount of money promoting their products. However, there are a lot of lesser-known companies that exist and provide excellent coverage at a reasonable cost. Below are a list of 10 such homeowners insurance companies that should be considered.

1. Amica Insurance: Amica Insurance has been operating for more than a century. It is based out of Rhode Island and offers home, auto, marine, and personal umbrella liability insurance. Its focus is on providing the best customer service by ensuring that policyholders receive personal service and direct, easy contact with Amica representatives. It also offers flexible billing plans so that customers can find one that works best for their financial situation. Amica has been rated highest in customer satisfaction among national homeowners insurers for 10 years in a row.
2. Frankenmuth Insurance: Frankenmuth Insurance was founded in 1868 and upholds the same values today with which it was started. It endorses the principle of neighbor helping neighbor. Today, its focus remains to provide the highest level of service to its policy holders. It offers a variety of home, auto, life, marine, collectibles, and umbrella insurance policies. Frankenmuth is among the most financially secure insurance companies in the industry. As a result, it has earned Best’s Rating of “A.”
3. Pekin Insurance: Pekin Insurance was founded in 1921 and has built its company based on the principle of being “people focused” and remaining responsive to the needs of its policyholders. Pekin insurance boasts Best’s Rating of “A.” Pekin Insurance offers a variety of home, auto, life, health, and business insurance policies.
4. OneBeacon Insurance Group: OneBeacon Insurance Group is a relatively new insurance company. However, it has achieved Best’s Rating of “A” in this short time period. It is publicly traded on the New York Stock Exchange under the symbol OB. It offers a variety of insurance products and continues to grow its offerings. It prides itself on giving its customers superior claims service and customizable policy options.
5. Chubb Group of Insurance Companies: Chubb was founded in 1882 and has grown into a reputable insurance company, consistently earning the best ratings in the industry for more than 75 years. It strives to be a one-stop insurance source for individuals, providing a variety of insurance offerings. It also provides a selection of complimentary services, such as home appraisals, identity fraud prevention and mitigation services, and wildfire defense services.
6. Allied Insurance: Allied Insurance has more than 80 years of experience behind it and offers customers a wide portfolio of products that will meet every policyholder’s needs. Allied provides protection for home, auto, farm, and business. Allied is operated out of Des Moines, Iowa and has regional offices located throughout the United States, allowing it to offer expertise in various local markets. This allows it to ensure that the customer receives the best value possible for their insurance dollar.
7. Kemper Preferred Insurance: Kemper Preferred Insurance offers home, auto, and various other property and casualty insurance policies. The predecessors of Kemper Preferred were founded in 1926. Kemper maintains Best’s rating of “A-” or better. The company prides itself as being one of the most user-friendly insurance companies in the industry, making it convenient for customers to access policy documents, file claims and check claim status, and pay their bills.
8. Tower Group: Tower Group was founded in 1990 and is headquartered in New York City. The company maintains Best’s rating of “A-.” It operates on the principles of being capable to meet the needs of a broad customer base and responding quickly to changing market dynamics. It offers a wide variety of home and auto insurance options as well as a large portfolio of business insurance.
9. Country Financial Insurance: Country Financial Insurance has been providing home, auto, life, disability, commercial, long-term care, and many other insurance options for more than 80 years. The company was founded in 1925 as an agriculture insurer and has added products over the years to meet the needs of its customers. It boasts Best’s “A+” rating for its financial strength, operating performance, and customer loyalty.
10. Mercury Insurance Group: Mercury Insurance Group has been in operation for more than 45 years, providing coverage for auto, home, commercial, and business insurance options. It strives to provide policyholders with an appropriate amount of coverage to meet their needs while attaining the lowest priced premiums possible. It also places an increased importance on providing one-on-one customer service to its policyholders to help with policy needs, claims, and payment plans.