Best Home Insurance for New Builds in 2025 (Find the Top 10 Companies Here)

Top Pick for New Home Builds: Farmers

2,903 reviews

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4.0

Company Facts

Full Coverage for New Home Builds

$91/mo

A.M. Best Rating

A

Complaint Level

Low

Pros & Cons

• Extensive coverage and discount options
• High customer service ratings
• Offers Signal, a usage-based insurance discount

• Not available in every state
• Rates are higher than average

» Farmers Home Insurance Review

2,903 reviews

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Best Rates for Home Builds: Progressive

13,128 reviews

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4.1

Company Facts

Full Coverage for New Home Builds

$44/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Competitive Rates
• Wide Range of Coverage Options
• Bundling Discounts

• Customer Service
• Claims Process
• Rate Increases

» Progressive Home Insurance Review

13,128 reviews

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Best Savings for Home Builds: Nationwide

3,019 reviews

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4.0

Company Facts

Full Coverage for New Home Builds

$58/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Great rates for teen drivers
• Great rates for people with bad credit
• Usage-based savings options
• A+ ratings with A.M. Best and the BBB
• Discounts options
• Various coverages
• Excellent customer service options
• Excellent claims handling
• Many options for bundling services
• Good rates when adding a teen driver to a policy
• A pay-per-mile insurance option
• Coverage in 46 states
• Customizable policies

• Pricey policies
• Low customer satisfaction with the claims process
• No option for rideshare coverage
• High premiums for individuals with a DUI
• High premiums for individuals with accidents on their record
• Low overall customer satisfaction ratings

» Nationwide Home Insurance Review

3,019 reviews

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Progressive, Nationwide, and Farmers offer the best home insurance for new builds. Progressive offers some of the lowest rates, Nationwide makes customizing coverage easy, and Farmers stands out for top-notch customer service. Your choice depends on what matters most—affordability, flexibility, or support. This guide breaks down the best options to find the right fit without the hassle.

Building a new home is exciting, but finding the right insurance can feel overwhelming. The good news? We’ve rounded up the best home insurance for new builds, so you get solid coverage without the guesswork. Check out our top picks to protect your investment with confidence.

Our Top 10 Company Picks: Best Home Insurance for New Builds

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	20%	A	Family Plans	Farmers
	#2	10%	A+	Competitive Rates	Progressive
	#3	20%	A+	Multi-Policy Savings	Nationwide
	#4	13%	A++	Comprehensive Coverage	Travelers
	#5	17%	B	Financial Strength	State Farm
	#6	10%	A++	Military Savings	USAA
	#7	25%	A	24/7 Support	Liberty Mutual
	#8	25%	A++	Senior Discounts	Geico
	#9	25%	A+	UBI Savings	Allstate
	#10	25%	A	Discount Availability	American Family

Your new home deserves the best protection, and the right insurance makes all the difference. Whether you want budget-friendly rates or premium coverage, these top providers have you covered. Compare your options, choose wisely, and enjoy your new space with peace of mind!

Read more:

• Best Home Insurance for Second Homes
• Best Home Insurance for Tiny Homes

Start saving on your auto insurance by entering your ZIP code above and comparing quotes.

#1 – Farmers: Top Overall Pick

Pros

• Big Savings for New Homes: Farmers offer significant discounts for newly built houses.
• Coverage That Fits: Customize your policy to match your home’s needs.
• Dependable Claims Support: Strong financial backing means quick and fair payouts.

Cons

• Limited Local Agents: Farmers have fewer in-person agents, which may be inconvenient for some homeowners insurance.
• Higher Premiums for New Homes: Rates for newly built homes can be higher than those of some competitors.

#2 – Progressive: Best for Affordable Rates

Pros

• Budget-Friendly for New Builds: Progressive offers some of the lowest rates for newly constructed homes.
• Quick and Easy Quotes: Get a fast online quote without the hassle.Check out our comprehensive Progressive insurance review.
• Significant Savings on Bundles: Score discounts when you combine home and auto insurance.

Cons

• Fewer Local Agents: In-person help might be harder to find than other insurers.
• Less Custom Coverage: Options for tailoring policies to new builds are more limited.

#3 – Nationwide: Best for Policy Flexibility

Pros

• Great Coverage for New Homes: Nationwide offers strong protection for newly built houses.
• Plenty of Custom Options: Easily adjust your policy to fit your home’s needs.Look into the specifics in our Nationwide insurance review.
• Solid Discount Opportunities: Save more with deals for new construction and policy bundling.

Cons

• Higher Premiums in Some Areas: Rates for new builds may be pricier depending on location.
• Slower Quote Process: Getting a quote may take longer than online-focused insurers.

#4 – Travelers: Best for Comprehensive Protection

Pros

• Solid Protection for New Homes: Travelers offer reliable coverage for newly constructed housesDelve into the details in our Travelers insurance review.
• Nice Discounts for New Builds: Save money with deals designed for brand-new homes.
• Higher Coverage Limits: Great for homeowners who need extra protection for a high-value property.

Cons

• Online Experience Could Be Smoother: The quote process isn’t as quick or easy as some competitors.
• Not Always the Cheapest: You might find lower rates with other budget-friendly insurers.

#5 – State Farm: Best for Customer Support

Pros

• Trusted Coverage for New Homes: State Farm offers reliable protection for newly constructed houses.
• Strong Local Agent Network: Easy access to in-person support when needed.  Examine the insights in our State Farm insurance review.
• Great Bundling Discounts: Save more when you combine home and auto insurance.

Cons

• Can Be Pricey: Rates for new builds may be higher than those of some competitors.
• Limited Online Features: The quote and policy management tools aren’t as advanced as other insurers.

#6 – USAA: Best for Military Families

Pros

• Great Coverage for New Builds: USAA offers solid protection explicitly designed for newly constructed homes.
• Significant Savings for Military Families: If you’re military or a veteran, you can unlock exclusive discounts.
• Reliable Customer Support: Fast claims processing and highly rated service make getting help easy. For more information, have a look at our full USAA insurance review.

Cons

• Not Available to Everyone: Only military members, veterans, and their families can qualify for USAA home insurance.
• Fewer In-Person Locations: Unlike some competitors, USAA has limited physical offices, which may not be ideal for those who prefer face-to-face service.

#7 – Liberty Mutual: Best for Bundling Discounts

Pros

• Reliable Protection for New Homes: Liberty Mutual offers coverage designed for newly built houses.
• Many Ways to Save: Discounts for new construction, bundling, and home safety features help lower costs.
• Convenient Online Tools: You can easily get quotes, file claims, and manage your policy anytime. For additional information, browse our full Liberty Mutual insurance review.

Cons

• Premiums Can Be Pricey: Rates for new builds may be higher than some budget-friendly insurers.
• Customer Service Varies: Support quality depends on location, with mixed reviews from policyholders.

#8 – Geico: Best for Budget-Friendly Options

Pros

• Affordable Coverage for New Homes: Geico offers competitive rates for newly built houses.
• Easy Online Quotes: Get a quick quote and manage your policy with a hassle-free online experience. Gain insights in our detailed Geico insurance review.
• Great Bundling Discounts: Save more when you combine home and auto insurance.

Cons

• Limited Customization: Coverage options for new builds aren’t as flexible as some competitors.
• Third-Party Underwriters: Geico partners with other companies for home insurance, which can affect claims handling.

#9 – Allstate: Best for Robust Policy Features

Pros

• Solid Coverage for New Homes: Allstate offers reliable protection for brand-new houses. Read through our detailed Allstate insurance review.
• Significant Savings on Discounts: Get lower rates for new construction, smart home upgrades, and bundling.
• Hassle-Free Claims: Quick and easy claims processing helps get your home back to normal faster.

Cons

• Higher Premiums Than Some Competitors: Rates for new homes can be pricier than those of budget insurers.
• Mixed Customer Reviews: Satisfaction with claims and service can vary by location.

#10 – American Family: Best for Personalized Service

Pros

• Loyalty Pays Off: The longer you stay, the more you save—great for new homeowners planning to stay.
• Made for New Builds: Flexible coverage options help protect your home immediately. For further details, see our in-depth American Family insurance review.
• Easy Claims Process: Fast and straightforward claims handling keeps stress minimal.

Cons

• Fewer Discounts for First-Time Customers:While loyal customers get great perks, new policyholders may not see as many savings upfront when choosing the best home insurance for new builds.
• Premiums Can Vary by Location: Rates may be higher in certain areas due to regional construction costs and risk factors, making coverage more expensive for some new homeowners.

New Build Home Insurance Costs by Provider

Buying a newly built home? Insurance costs can vary, but we’ve laid out monthly rates by provider to make comparing easy. Whether you want affordable coverage or top-notch protection, this guide helps you find the best fit for your budget and peace of mind.

New Builds Home Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$39	$86
	$52	$119
	$42	$91
	$34	$76
	$51	$118
	$27	$58
	$22	$44
	$32	$74
	$35	$78
	$26	$59

Finding the right home insurance for a new build doesn’t have to be complicated. Compare rates, look for discounts, and choose full coverage that works for you. A little research now can mean significant savings later!

The right home insurance for a new build protects you and your investment—before and after move-in. It gives you peace of mind, but figuring out how much coverage you need can be tricky.
Every company offers something different, so comparing providers is key to finding the best fit.

How to Get Home Insurance Quotes

Finding the right home insurance starts with getting quotes from top providers. A quick comparison helps you see pricing, coverage options, and discounts—all in one place. The more quotes you gather, the better your chances of getting the best deal for your home.

Getting home insurance quotes doesn’t have to be complicated. Compare options, look for savings, and choose coverage that fits your needs. A little research now can save you money and hassle down the road! For more information, read our article titled “Buying Home Insurance.”

Top Provider Discounts for New Build Homes

Owning a newly built home comes with perks—including significant insurance savings. Top providers offer insurance discounts for new construction, smart home features, and bundling policies. Knowing what’s available can help you cut costs while protecting your home.

Home Insurance Discounts From the Top Providers for New Builds

Insurance Company	Available Discounts
	New Home, Multi-Policy, Claim-Free, Green Home, Responsible Payment, Protective Device
	Smart Home, New Construction, Generational, Renovated Home, Loyalty, Multi-Policy
	New Construction, Protective Device, Claim-Free, Affinity Group, Home Renovation, Multi-Policy
	New Home, Green Home, Protective Device, Early Signing, Multi-Policy, Home Renovation
	Renovated Home, New Construction, Protective Device, Multi-Policy, New Home, Claim-Free
	Green Home, Gated Community, Multi-Policy, New Construction, Claim-Free, Protective Device
	Multi-Policy, New Home, Protective Device, Paperless Billing, Claim-Free, New Construction
	Roofing Material, New Construction, Multi-Policy, Claim-Free, Protective Device, Renovated Home
	New Home, Green Home, Protective Device, Renovated Home, Claim-Free, Multi-Policy
	Loyalty, New Home, Renovated Home, Protective Device, Multi-Policy, Claim-Free

Don’t miss out on valuable savings for your new build. Compare providers, stack discounts, and lock in the best deal for your home insurance. A little research now can lead to significant savings later!

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