Top 10 Best Cheap Home Insurance Quotes in the US (2025 Edition)

Discover the top 10 best and most affordable home insurance quotes in the US for 2025. Compare trusted providers, save money, and get the best coverag



Top 10 Best Cheap Home Insurance Quotes in the US (2025 Edition)

"Home is where the heart is... and hopefully, a good insurance policy!"

Whether your dog just learned how to cook (and burned down the kitchen) or your neighbor’s trampoline mysteriously landed on your roof during a storm, home insurance is that invisible superhero that saves the day. But wait — isn’t insurance expensive? Not necessarily!

In this 2025 guide, we're diving headfirst into the world of cheap home insurance. Why it's important, why cheap doesn't always mean bad, and which companies are actually worth trusting with your house, your couch, your grandmother’s porcelain cat collection, and everything in between.


What is Home Insurance and Why Should You Care?

Home insurance, or homeowners insurance, is like a financial seatbelt for your house. It protects you from unexpected mishaps like fire, theft, vandalism, natural disasters (depending on coverage), and even lawsuits if someone slips on your icy porch.

So, why should you care?

  • Because your house is probably your biggest investment.

  • Because life throws curveballs like a major league pitcher.

  • Because you don’t want to spend your savings rebuilding your roof after a raccoon rave.

Funny Insurance Fact:

Why did the house go to therapy? It had too many "cracks" in its foundation!


Why Do People Choose Cheap Home Insurance?

Let’s be real — nobody wakes up excited to spend money on insurance. We’d rather be buying tacos or upgrading to a smart fridge that talks back.

People choose cheap home insurance because:

  • Budgets are tight (hello, inflation!)

  • They just bought a home and already blew the savings on a couch that looks like it belongs in a museum.

  • They want basic protection without all the bells and whistles.

  • They believe in value, not just price — and some cheap insurers actually offer solid coverage.

But remember: cheap shouldn’t mean useless. Cheap should mean affordable, transparent, and reliable. You want a deal, not a disaster.


Top 10 Best Cheap Home Insurance Companies in the US (2025 Edition)

Here are 10 insurance companies that are dominating the "cheap but good" scene in 2025:

1. Lemonade 🍋

  • Why it's great: It's fast, techy, and affordable. No paperwork drama, and the app does most of the job!

  • Perfect for: Young homeowners, app-lovers, and people who like things pink and simple.

  • Website: www.lemonade.com

  • People say: “Easy like Sunday morning. Got insured in minutes, and claim was settled faster than my pizza delivery.”

  • Best discounts: Smart home gadgets and no-claim bonus.

2. State Farm 🏡

  • Why it's great: The granddaddy of insurance — strong, stable, and always there.

  • Perfect for: Families, older folks, and people who like talking to a real human.

  • Website: www.statefarm.com

  • People say: “My agent knows my dog by name. That’s love!”

  • Best discounts: Home+Auto bundle, alert systems, and being loyal.

3. Progressive 🚗➡️🏠

  • Why it's great: You can pick your price. It’s like a budget-friendly buffet.

  • Perfect for: Smart shoppers who like mixing and matching policies.

  • Website: www.progressive.com

  • People say: “I saved ₹30k a year bundling home and car. That’s my vacation money!”

  • Best discounts: Bundle magic and eco-friendly paperless billing.

4. Allstate 🌧️➡️☀️

  • Why it's great: A little extra fancy, a lot reliable. Perfect for "safety first" type of people.

  • Perfect for: Middle-class homes, tech-loving families.

  • Website: www.allstate.com

  • People say: “My flooded basement didn’t stay wet for long. They were quick!”

  • Best discounts: First-time buyers and homes with fire alarms, etc.

5. Liberty Mutual 🗽

  • Why it's great: Freedom to choose and save. No nonsense.

  • Perfect for: Confident homeowners who know what they need.

  • Website: www.libertymutual.com

  • People say: “Mobile app is smooth. Also, I saved a lot just by switching.”

  • Best discounts: New homes, online signups, and recent remodels.

6. Nationwide 🦅

  • Why it's great: Like a friendly neighbor who helps with the fine print.

  • Perfect for: Nervous first-time buyers.

  • Website: www.nationwide.com

  • People say: “Felt like a guided tour, not a sales pitch. Respect!”

  • Best discounts: New roofs, smart home gadgets, gated colonies.

7. USAA 🎖️ (Military Families Only)

  • Why it's great: VIP treatment for those who serve or served.

  • Perfect for: Military families only (sorry, civilians!).

  • Website: www.usaa.com

  • People say: “No drama, no delays. They just get it done — military-style!”

  • Best discounts: Loyalty bonuses, military deals, and no-claim savings.

8. Farmers Insurance 🚜

  • Why it's great: They understand farms, barns, and countryside charm.

  • Perfect for: Village houses, farm owners, rural property types.

  • Website: www.farmers.com

  • People say: “They knew what an irrigation pump was — impressive!”

  • Best discounts: Bundling and home security.

9. Amica Mutual 🤝

  • Why it's great: You get money back! It's like cashback, but for insurance.

  • Perfect for: Savers, loyal customers, and people who want to feel like a partner.

  • Website: www.amica.com

  • People say: “Got a check back for being a good customer. Who does that?!”

  • Best discounts: Loyalty, autopay, and home alarms.

10. Hippo Insurance 🦛

  • Why it's great: Super modern, super fast. Like insurance on Red Bull.

  • Perfect for: Tech lovers, smart home owners, modern city homes.

  • Website: www.hippo.com

  • People say: “Was done insuring my home before my noodles were cooked.”

  • Best discounts: Smart devices, fire sensors, and routine maintenance.

Comparison Table: Best Cheap Home Insurance (2025)

Company Starting Premium (Annually) Claim Process Speed Tech Savvy Best For Top Discounts
Lemonade $700 Super Fast ✅✅✅ Young Buyers, Digital Natives Smart home, claims-free
State Farm $850 Moderate Families, Face-to-Face Agents Bundling, home alert systems
Progressive $780 Fast ✅✅ Bundlers, Budget Seekers Auto-home bundle, paperless
Allstate $790 Fast ✅✅ Suburban Families New buyer, safety devices
Liberty Mutual $800 Moderate DIY Policyholders Renovated home, online quote
Nationwide $820 Moderate First-time Homeowners Gated community, smart tech
USAA $700 Fast ✅✅✅ Military Families Loyalty, military, claims-free
Farmers $860 Moderate Rural or Custom Homes Safety features, bundling
Amica Mutual $780 Moderate ✅✅ Long-Term Savers Alarm systems, dividend plan
Hippo $720 Super Fast ✅✅✅ Techies, Smart Homes Smart home tech, maintenance savings

Who’s Trending in 2025?

🔥 Lemonade and Hippo are trending BIG this year.

  • Both companies leverage AI, super fast digital claims, and app-first experiences.

  • Homeowners love their clean interfaces, no-nonsense approach, and low premiums.

Runners-up:

  • Progressive – thanks to bundling tools and transparent pricing.

  • Amica Mutual – for people who want returns via dividend policies (yes, they pay you back!).

Insurance Joke Break:

Why don't insurance agents ever play hide and seek? Because good luck hiding when they always find coverage.


💸 Let's talk about the pros and Cons of cheap home insurance.

👍 Pros—The Good Stuff :

Saves Money : Cheap means your wallet stays happy.

Make It Your Way: You can sometimes choose what you need.

Covers the Basics: Cheap insurance is good enough for normal homes.

Bundle & Save: Put your home and car together and boom—extra savings! :)

👎 Cons – The Not-So-Good:

Less Coverage: Cheap insurance might not cover everything you hoped.

Extras = Extra Money: Want more features? Got to pay more.

Service May Vary: Sometimes “cheap” means “hello?” Anyone there?”

Too Much Tech, Not Enough Talk: Some companies love apps, not aunties.

💥 Bonus Tips to Save Even More in 2025

Use Smart Gadgets: Smoke alarms, leak sensors — they save your home and your money.

Bundle Everything: Mix home + auto = super saver deal.

Raise Deductible: Pay more if something happens, but save every month.

Ask for Discounts: Loyal? Renovated your home? Finished mortgage? Ask away!

Compare Every Year: Loyalty is sweet. Saving money is sweeter.

🤣 Bonus Joke Time:

My house wanted to start a podcast about insurance…

But it couldn’t find a strong "coverage" area!

🤔 FAQ – Quick & Easy Answers

❓ What’s “cheap” home insurance?

If it costs less than $850 a year and still covers things like fire, theft, or rain trouble — it’s cheap and cheerful!

❓ Can I trust these cheap companies?

Yep! As long as they’re legal, have good reviews, and pay claims when needed. Lemonade, Progressive, Hippo – they’re cool and affordable.

❓ Will I get fewer benefits?

Not always! You start basic and add what you need, like flood or earthquake cover.

❓ How do I make it even cheaper?

Bundle policies

Use smart devices

Raise your deductible

Compare prices every year

❓ Is online insurance safe?

Yes! Companies like Lemonade and Hippo are tech-smart and safe. Just check they’re legal in your state.

🏠 Final Thoughts

Cheap insurance doesn’t mean “bad insurance.” It means you're smart with your money!

So whether your biggest home disaster is a storm or your in-laws staying for 3 weeks… make sure your insurance has your back (and roof).

Go protect your home like a boss!

Got a funny story or a home tip? Drop it in the comments! Let’s laugh, learn, and keep our homes safe together.

“Better to have it and not need it, than need it and only have a waffle iron.”

⚠️ Little Disclaimer

This info is just to help you out. Prices, discounts, and reviews might change based on where you live or how the wind blows (okay, maybe not the wind).

Always check official websites to get the latest info. Because when it comes to protecting your house, don’t just trust memes — trust research. 😉

And remember: 👉 When in doubt, click around!