Cheapest Home Insurance
Discover 10 deals available this month.
1.USAA Homeowners Insurance
USAA Homeowners Insurance offers some of the lowest average premiums nationally for eligible military members, veterans, and their families, with rates starting around $70 per month for a $200,000 dwelling in 2026. Coverage is tailored specifically for military-affiliated customers.
View Deal →Military members and veterans will find USAA’s homeowners insurance hard to beat on price, offering low rates and specialized eligibility that other providers can’t match.
Pros:
- Consistently the cheapest national home insurance for eligible military-affiliated customers
- Sample premiums start around $70 per month for a $200,000 dwelling
- Policies designed specifically for military members, veterans, and their families
Cons:
- Only available to military members, veterans, and their families
- Not accessible to the general public
- Limited availability outside of military-related eligibility
2.GEICO Homeowners Insurance
GEICO Homeowners Insurance offers some of the lowest rates nationwide, with sample premiums around $75 per month for $200,000 dwelling coverage when purchased through its partner network. Bundling with auto insurance often reduces rates further.
View Deal →Affordable for homeowners seeking budget-friendly coverage, GEICO stands out by offering competitive rates that improve with bundling options. Its wide availability makes it a convenient choice for many across the U.S.
Pros:
- Low sample premiums around $75/month for $200,000 dwelling coverage
- Often cheaper when bundled with GEICO auto insurance
- Widely available nationwide through partner network
Cons:
- Rates are based on purchase through partner network, which may limit direct access
- Not the absolute cheapest option for all customers compared to specialized providers
- Limited detailed information on coverage options in the research
3.Nationwide Homeowners Insurance
Nationwide offers some of the most affordable premiums for both standard and high-value homes, with rates around $168 per month for $1 million in dwelling coverage in 2026. It provides competitive pricing especially for policies covering higher dwelling values.
View Deal →Nationwide stands out for homeowners seeking cost-effective coverage on high-value properties, balancing competitive rates with broad coverage options. It’s a solid choice when insuring higher-priced homes without breaking the bank.
Pros:
- Competitive premiums for high-value homes, e.g., about $168/month for $1 million dwelling coverage
- Affordable rates for standard homes as well as higher dwelling values
- Widely recognized in rate comparisons for cost efficiency
Cons:
- Premiums may be higher than some ultra-low-cost providers for standard coverage levels
- Less emphasis on military or specialized discounts compared to some competitors
- Availability and pricing can vary by state and individual factors
4.Auto-Owners Insurance Homeowners Policy
Auto-Owners Insurance is one of the lowest-cost home insurers in the U.S. for 2026, especially in states where it operates, offering annual premiums below many large competitors for standard coverage levels.
View Deal →Auto-Owners Insurance stands out as a budget-friendly choice in select states, providing affordable standard home coverage with competitive pricing compared to bigger insurers.
Pros:
- Among the lowest-average-cost home insurers in the U.S. for 2026
- Competitive annual premiums below many large competitors
- Strong presence in states where it operates
Cons:
- Coverage availability limited to certain states
- Less widely known nationally compared to major brands
- Pricing details less specific compared to some competitors
5.Amica Homeowners Insurance
Amica offers one of the cheapest nationwide home insurance options for a typical $300,000 dwelling with a $1,000 deductible. It balances low pricing with solid customer service and comprehensive coverage choices.
View Deal →Amica stands out for combining affordability with strong customer service, making it a reliable choice for homeowners seeking value and support. Its nationwide availability and competitive rates add to its appeal.
Pros:
- Among the cheapest national home insurance providers for a $300,000 dwelling
- Strong customer service reputation
- Provides a range of coverage options
Cons:
- Pricing details for higher-value homes not specified
- No specific discounts or bundling benefits mentioned
- Coverage and availability may vary by state
6.Allstate Homeowners Insurance
Allstate Homeowners Insurance is a competitively priced option among large national insurers, especially when utilizing discounts like bundling, claims-free, and protective device credits. It offers affordable coverage for various home insurance needs in 2026.
View Deal →Allstate stands out by combining affordability with multiple discount opportunities, making it a flexible choice for homeowners aiming to lower their premiums without sacrificing coverage quality.
Pros:
- Competitive pricing among large national insurers
- Multiple discount options including bundling and claims-free credits
- Protective device discounts further reduce premium costs
Cons:
- Discounts are necessary to achieve best rates
- May not be the cheapest option compared to some regional insurers
- Pricing details vary by state and policy specifics
7.Grange Insurance Homeowners Policy
Grange Insurance is recognized in 2026 as one of the cheapest national home insurance providers, often offering some of the lowest quoted premiums where available. It consistently ranks near the bottom in cost comparisons across multiple insurers.
View Deal →Grange Insurance stands out for budget-conscious homeowners seeking nationally competitive premiums that frequently come in among the lowest in multi-company quotes.
Pros:
- Frequently among the lowest quoted premiums in national comparisons
- Available in multiple states with broad coverage options
- Recognized as one of the cheapest options by independent tools
Cons:
- Availability is limited to certain states
- Pricing and discounts may vary regionally
- Fewer details available on specific policy features or bundling benefits
8.American Family Homeowners Insurance
American Family Homeowners Insurance ranks among the least expensive major insurers in various regions, especially with bundling and loyalty discounts. It frequently appears near the bottom of average premium lists for standard coverage.
View Deal →American Family stands out as an affordable choice for homeowners in select areas, offering competitive rates particularly when combining policies or maintaining loyalty.
Pros:
- Competitive premiums in multiple regions
- Savings potential through bundling and loyalty discounts
- Consistently low average premiums for standard coverage
Cons:
- Availability limited to specific regions
- Discounts required to achieve lowest rates
- May not be the cheapest option nationwide
9.Cincinnati Insurance Homeowners Policy
Cincinnati Insurance offers competitively priced homeowners policies with national reach in the states where it operates. It ranks among the lowest-cost home insurers according to 2026 quote-comparison analyses.
View Deal →Cincinnati Insurance stands out as an affordable choice for homeowners seeking national coverage with competitive pricing. It delivers solid value especially in its operating states without sacrificing accessibility.
Pros:
- One of the lowest-cost home insurers nationally in available states
- Offers competitive premiums according to 2026 market analyses
- Policies available across multiple states with national reach
Cons:
- Coverage availability limited to states where Cincinnati Insurance writes homeowners policies
- Less widely recognized nationally compared to some larger insurers
- Limited public information on specific pricing tiers or bundled discounts
10.Travelers Homeowners Insurance
Travelers Homeowners Insurance is the cheapest widely available non-military home insurance provider on average in 2026, with typical annual premiums around $2,055 for standard coverage. It offers competitive rates that undercut many other large carriers nationwide.
View Deal →At an estimated $2,055 annually, Travelers offers highly competitive pricing for standard home insurance coverage among large insurers. It stands out for those seeking affordable, widely accessible policies without military restrictions.
Pros:
- Cheapest widely available non-military home insurance on average
- Competitive annual premium around $2,055 for standard coverage
- Undercuts many other large national carriers in pricing
Cons:
- Annual premium may be higher than some military-specific insurers
- No specific mention of discounts or bundling deals in the research
- Coverage options and customer service details not highlighted
Final Words
To secure the cheapest home insurance deals this January 2026, take time to compare rates and coverage options from top providers like USAA, GEICO, and Nationwide. You can explore current offers tailored to your needs to ensure you get the best value without compromising on protection.
Frequently Asked Questions
USAA offers some of the lowest average premiums nationally specifically for eligible military members, veterans, and their families. Sample rates start around $70 per month for a $200,000 dwelling, making it a top affordable choice in 2026.
USAA homeowners insurance is available to military members, veterans, and their families. Eligibility is a key factor in accessing their consistently low home insurance premiums.
USAA typically offers lower premiums than many national providers for eligible customers, with sample rates starting around $70 per month for a $200,000 dwelling. This positions USAA as the cheapest national home insurance option for its eligible market.
Other affordable home insurance providers in 2026 include GEICO, Nationwide, Auto-Owners Insurance, Amica, and Allstate. Many offer competitive rates nationwide or regionally, often benefiting from bundling discounts and varied coverage levels.
Yes, many insurers like Allstate and American Family offer discounts for bundling home and auto policies, claims-free histories, and protective devices. Leveraging these discounts can significantly reduce your home insurance costs.
Use multi-company comparison tools to see quotes from several insurers in your area. This helps identify the lowest premiums available, as companies like Grange and Cincinnati often appear near the bottom of rate lists in 2026.
