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NewsWith homeowner and renter premiums under pressure, J.D. Power's annual study found insurers who communicate proactively are keeping customers happiest.
J.D. Power's 2026 U.S. Home Insurance Study ranks Amica highest among homeowners insurers for a second straight year at 680 points out of 1,000, followed by Erie Insurance and Chubb. State Farm topped the renters insurance category. The study, based on over 17,000 policyholders, found affordability pressure is straining customer trust industrywide.
Amica topped J.D. Power's 2026 U.S. Home Insurance Study for the second consecutive year, as the annual customer-satisfaction survey found homeowners increasingly worried about affordability even when they're happy with their insurer's service.
The study surveyed 17,191 homeowners and renters between July 2025 and July 2026, measuring satisfaction across policy offerings, price, billing, communication and claims handling.
J.D. Power says the bigger story this year isn't any single insurer's score, but a broader affordability squeeze hitting homeowners as premiums climb alongside other household costs.
Homeowners are dealing with a broader affordability problem, not just an insurance premium problem. Because household costs are rising and insurance rates are under pressure, customers need carriers to explain what is changing, why it matters and what value they are getting in return. Carriers that communicate early, make service easy and help customers understand coverage are better positioned to keep homeowners who are facing increasing financial pressure.
If you're shopping for a policy
J.D. Power's rankings measure satisfaction, not price — it's still worth comparing quotes from multiple insurers, since premiums for identical coverage can vary significantly by carrier and location.
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