The Top 3 Home Insurance Companies

The Best Insurance Companies For Your Roof

When shopping for a new homeowners insurance policy, you might find yourself a little overwhelmed. There are so many options available today, it can be hard to tell which policy is the right fit for you and your property.

The PRQ Exteriors team understands how daunting the process can be. That’s why we have put together this comprehensive guide for you. Below we compare three popular homeowners insurance policies to help you make an educated buying decision.


Chubb is a premier homeowners insurance policy geared towards high end homes valued at $500,000 or more. Chubb only offers one insurance policy known as the Chubb Masterpiece. The premiums are a bit higher on the Chubb Masterpiece than a standard insurance policy, but the policy comes with many additional benefits that make the higher premiums well worth the price tag. Some of those additional benefits include identity fraud protection up to $50,000, family protection, and scheduled property coverage for expensive values such as jewelry, fur, and fine art. Chubb also performs extremely well on customer satisfaction surveys.

Chubb can only be purchased through an independent insurance agent. If you are interested in Chubb, head to their website and enter your ZIP code for a list of insurance agents near you.


Amica offers great homeowners insurance policies at a much more accessible price, while still delivering top of the line customer service. Amica has won the J.D. Power Homeowners Insurance Survey top spot for over 16 years in a row. This honor likely has something to do with their prompt claims handling and 24/7 customer service.

In addition to receiving top customer satisfaction marks, Amica also offers great rates to their customers, including customers with low credit scores. If you’ve been struggling to find affordable coverage due to your credit score, we highly recommend taking a look at Amica. Amica also offers customers many ways to save, such as bundling your home and auto insurance or purchasing a security system. 


USAA homeowners insurance is designed for former and active-duty military members, veterans, and their families. Family includes spouses, former spouses, and children of servicemen and women. If you do not fall into one of the above categories, you will not qualify for USAA insurance.

If you do qualify for USAA insurance, they are a great insurance company known for their affordable rates and outstanding customer service. One of the standout features of USAA is that they offer replacement cost insurance. This means that USAA will pay for the actual cost of repairs on your home without factoring in depreciation, meaning you don’t pay anything out of pocket besides your deductible.

Best Roofing Insurance Company

As you shop around for homeowners insurance, be sure to compare rates from several companies. If you’re feeling the rates you are being quoted are too high, see if you can save by bundling home and auto insurance, installing a security system, or improving your credit score.

Are you currently satisfied with your homeowners insurance? Tell us in the comments!

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