Compare King

Nationwide

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Pros & Cons

Even the basic plans provide lots of coverage

Many different easy-to-get discounts

East to submit a claim

Can be hard to reach customer service

Can be expensive with additional coverages

Coverage

Contents, loss of use, personal liability, medical expenses to others, code violations, and credit card coverage. Theft, flooding, and earthquake protection are optional.

Discounts

Bundled policy discount, discount for smoke detectors and burglar alarms, and a claims-free discount.

Nationwide Full Review

Geico

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Pros & Cons

Works as insurance brokers, connects users with insurance companies that best fit their needs

Offers a substantial discount for bundling with other Geico policies

Can't submit claims to Geico directly

Some prefer to avoid dealing with third parties

Coverage

Depends on the plan and price, most basic coverages are available

Discounts

Bundling discount, discounts for fire suppression systems and burglar alarms

Geico Full Review

Farmers Insurance

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Pros & Cons

Willing to pay out more than other insurance companies

Good customer reviews

Easy to work with customer service, most claims are accepted

Coverage is pretty limited

Can be more expensive than other policies

Coverage

Contents, loss of use, personal liability, and medical expenses to others. Theft is optional.

Discounts

Bundling discount, discounts for fire suppression and burglar alarms, discount for non-smokers

Farmers Insurance Full Review

Allstate

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Pros & Cons

Easy to inventory home items, no guesswork after an emergency

Lots of discounts, most policyholders can qualify for multiple

Scheduled personal property coverage for expensive items

Customer satisfaction is low

Can be hard to contact customer service or track the progress of a claim

Coverage

Contents, loss of use, personal liability, and medical expenses to others. Scheduled property and identity theft are optional.

Discounts

Bundling discount, claims-free discount, autopay discount, senior discount, and discounts for fire suppression and burglar alarms.

Allstate Full Review

Lemonade

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Pros & Cons

Pricing is transparent and easy to apply

Claims can be processed within minutes

Can track policy and add new coverage through mobile app

Least amount of coverages out of any service reviewed

Only offers a bundling discount, and not every policy is available everywhere

Coverage

Contents, loss of use, personal liability

Discounts

Bundling discount

Lemonade Full Review

Renters' Insurance