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Best's Rankings
U.S. Homeowners Multiple Peril - Top Writers by State, Canada and U.S. Territories - 2021 Edition

Writers are ranked by 2020 direct premiums written.
  • November 2021
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($ Thousands)

State 2020 Rank 2019 Rank No of Cos Direct
Premiums Written
% of Grand Total %
Premium Change
ALR1 DDCCE2 Market Share Leading Writer %
Market Share
Second Leader %
Market Share
Agency Writer3 Direct Writer4
AL 23 23 221 $1,948,057 1.8 6.6 92.2 1.8 25.4 74.6 State Farm Group 27.4 Alfa Ins Group 13.3
AK 51 51 82 178,366 0.2 4.4 47.5 0.9 9.8 90.3 State Farm Group 32.4 USAA Group 18.9
AZ 24 24 237 1,899,870 1.7 5.8 54.3 1.2 28.0 72.0 State Farm Group 16.7 Farmers Ins Group 12.8
AR 31 31 193 1,022,006 0.9 4.6 78.6 0.9 22.1 78.0 State Farm Group 26.5 Farm Bureau Mutual Ins Co of Arkansas 13.9
CA 3 3 248 9,931,535 9.0 8.8 38.6 2.4 31.1 68.9 State Farm Group 17.8 Farmers Ins Group 15.0
CO 12 12 214 2,944,066 2.7 8.2 70.1 1.0 22.6 77.4 State Farm Group 20.0 Liberty Mutual Ins Cos 12.0
CT 26 26 224 1,625,173 1.5 3.8 62.7 1.2 53.2 46.9 Chubb INA Group 9.4 Liberty Mutual Ins Cos 8.8
DE 45 45 181 313,025 0.3 4.4 77.0 1.6 37.4 62.6 State Farm Group 25.2 Liberty Mutual Ins Cos 10.7
DC 50 50 151 179,422 0.2 4.5 43.4 1.1 51.4 48.6 State Farm Group 21.0 Travelers Group 21.0
FL 1 2 251 11,108,804 10.1 10.2 70.6 6.7 83.1 16.9 Universal Ins Hldgs Group 10.5 Citizens Property Ins Corporation 6.8
GA 6 6 283 3,792,645 3.4 6.1 72.7 1.3 28.6 71.4 State Farm Group 25.3 Allstate Ins Group 13.2
HI 43 43 90 438,418 0.4 5.5 36.6 1.5 50.9 49.1 State Farm Group 30.7 Heritage Ins Hldgs Group 12.4
ID 41 42 167 457,083 0.4 7.5 62.8 1.0 25.6 74.4 Liberty Mutual Ins Cos 15.5 State Farm Group 14.7
IL 5 5 299 4,118,834 3.7 5.3 82.6 1.0 22.0 78.0 State Farm Group 32.9 Allstate Ins Group 13.0
IN 18 18 249 2,149,226 1.9 3.8 61.2 1.0 34.8 65.2 State Farm Group 24.0 Allstate Ins Group 9.0
IA 33 33 210 893,963 0.8 5.0 259.5 2.6 41.6 58.4 State Farm Group 25.2 Nationwide Group 11.6
KS 28 28 202 1,300,242 1.2 3.4 39.2 0.5 27.5 72.5 State Farm Group 20.8 Amer Family Ins Group 15.1
KY 29 29 216 1,282,737 1.2 2.4 52.6 1.1 25.6 74.4 State Farm Group 23.7 KY Farm Bureau Group 20.7
LA 21 21 217 2,060,408 1.9 5.1 249.9 3.8 40.6 59.4 State Farm Group 25.2 Allstate Ins Group 11.0
ME 39 39 180 470,674 0.4 4.5 37.3 0.6 46.4 53.6 State Farm Group 12.0 Liberty Mutual Ins Cos 11.0
MD 19 19 209 2,090,072 1.9 6.5 65.2 1.2 42.5 57.5 State Farm Group 17.2 USAA Group 12.7
MA 13 13 267 2,678,377 2.4 4.2 36.3 1.0 74.8 25.2 MAPFRE North America Group 12.6 Liberty Mutual Ins Cos 9.1
MI 10 9 203 3,026,802 2.7 3.8 57.2 1.1 40.0 60.0 State Farm Group 16.2 Auto-Owners Ins Group 14.6
MN 15 15 228 2,438,671 2.2 5.4 83.1 0.7 30.8 69.2 State Farm Group 25.5 Amer Family Ins Group 14.9
MS 30 30 194 1,074,344 1.0 4.9 88.0 1.6 26.1 74.0 State Farm Group 25.5 Southern Farm Bureau Casualty Group 15.2
MO 16 16 214 2,332,066 2.1 4.2 66.6 0.9 20.2 79.8 State Farm Group 25.2 Amer Family Ins Group 15.4
MT 44 44 149 409,143 0.4 9.1 64.5 1.1 22.4 77.6 State Farm Group 23.9 Liberty Mutual Ins Cos 15.8
NE 34 34 185 874,734 0.8 5.5 58.9 0.5 34.7 65.3 State Farm Group 23.0 Farmers Mutual Ins Co of Nebraska 10.9
NV 35 35 212 710,140 0.6 7.1 50.1 1.3 24.9 75.1 State Farm Group 18.7 Farmers Ins Group 13.7
NH 42 41 194 454,957 0.4 4.0 37.1 0.8 42.6 57.4 Liberty Mutual Ins Cos 13.5 Allstate Ins Group 9.9
NJ 11 11 261 2,969,677 2.7 3.5 57.9 1.7 37.5 62.5 Allstate Ins Group 12.1 NJM Ins Group 10.6
NM 37 37 198 613,008 0.6 5.8 44.3 0.9 22.1 77.9 State Farm Group 19.7 Farmers Ins Group 17.7
NY 4 4 292 5,861,865 5.3 4.1 49.6 1.5 52.8 47.2 Allstate Ins Group 17.1 State Farm Group 12.9
NC 9 10 238 3,105,409 2.8 7.6 63.6 1.1 44.7 55.3 State Farm Group 16.5 North Carolina Farm Bureau Ins Group 12.1
ND 47 47 165 241,602 0.2 5.2 30.6 0.3 30.8 69.3 State Farm Group 15.0 Amer Family Ins Group 12.5
OH 8 8 286 3,162,971 2.9 3.6 65.6 1.3 45.5 54.5 State Farm Group 20.3 Allstate Ins Group 11.1
OK 25 25 206 1,832,664 1.7 4.0 64.9 1.1 17.8 82.2 State Farm Group 28.5 Farmers Ins Group 16.5
OR 32 32 193 974,625 0.9 6.0 197.9 1.8 20.1 79.9 State Farm Group 21.3 Farmers Ins Group 16.3
PA 7 7 307 3,649,913 3.3 3.7 58.1 1.8 47.9 52.1 State Farm Group 17.5 Erie Ins Group 15.2
RI 40 40 180 461,863 0.4 4.9 48.9 1.4 45.0 55.0 Amica Mutual Group 15.9 Allstate Ins Group 12.2
SC 22 22 248 1,967,487 1.8 6.3 54.7 1.3 47.8 52.3 State Farm Group 19.9 Allstate Ins Group 9.3
SD 46 46 176 298,054 0.3 7.0 109.0 0.6 39.7 60.4 State Farm Group 19.4 Amer Family Ins Group 12.0
TN 17 17 244 2,308,397 2.1 5.0 85.3 1.4 27.5 72.5 State Farm Group 23.5 TN Farmers Ins Cos 18.7
TX 2 1 293 10,831,836 9.8 6.6 56.1 1.6 34.3 65.7 State Farm Group 18.1 Allstate Ins Group 13.4
UT 36 36 181 657,769 0.6 7.6 87.3 1.2 33.6 66.5 State Farm Group 16.4 Farmers Ins Group 12.7
VT 49 49 174 219,091 0.2 3.0 32.1 0.4 58.7 41.3 VT Mutual Group 12.4 Liberty Mutual Ins Cos 11.8
VA 14 14 261 2,638,147 2.4 5.8 53.6 0.9 38.7 61.3 USAA Group 19.1 State Farm Group 17.1
WA 20 20 221 2,075,808 1.9 5.8 55.7 1.8 27.1 72.9 State Farm Group 17.2 Liberty Mutual Ins Cos 13.1
WV 38 38 170 472,594 0.4 1.9 52.5 1.5 47.0 53.0 State Farm Group 25.8 Erie Ins Group 18.3
WI 27 27 256 1,601,466 1.4 3.7 44.5 0.9 42.7 57.3 Amer Family Ins Group 21.9 State Farm Group 16.3
WY 48 48 160 237,833 0.2 7.1 76.7 0.5 18.0 82.0 State Farm Group 21.5 Farmers Ins Group 18.7
Guam 53 53 12 19,565 0.0 1.6 8.6 1.1 96.1 3.9 Chung Kuo Ins Co, Ltd GUB 32.4 Amer Intl Group 24.3
Puerto Rico 52 52 23 93,648 0.1 0.6 70.1 8.9 99.3 0.7 Universal Ins Group of Puerto Rico 54.4 MAPFRE North America Group 31.8
U.S. Virgin Is. 54 54 18 12,332 0.0 1.5 -37.7 5.6 97.8 2.2 Underwriters at Lloyd's, London (VI) 65.4 Guardian Ins Group 21.8
Canada 57 57 11 49 0.0 -9.4 -99.9 -99.9 0.0 100.0 FM Global Group 100.0 Hartford Ins Group 0.0
Other 55 55 32 8,267 0.0 -7.5 184.5 -40.3 100.0 0.0 Amer Intl Group 72.6 Chubb INA Group 27.2
N. Mariana Is. 56 56 5 347 0.0 37.2 -4.7 -5.1 100.0 0.0 Tokio Marine US PC Group 50.0 First Net Ins Co 24.4
Grand Total 1,091 $110,520,148 100.0 6.0 66.8 2.0 40.8 59.3 State Farm Group 17.8 Allstate Ins Group 8.8

1. ALR: Adjusted loss ratio is direct losses incurred divided by the difference between direct premium earned and dividends paid to policyholder.

2. DDCCE: Direct defense and cost containment expense ratio is the former allocated loss adjustment expense (ALAE) ratio.

3. Insurers that distribute primarily through independent agents.

4. Insurers that distribute primarily through a direct-selling system or an exclusive agency system.

Note: Data for some companies in this report has been received from the NAIC.

Ratios of 999.9 and -99.9 are maximum and minimum values, respectively.

Source: BestLink logo – State/Line (P/C Lines) - P/C, US; data as of: Sept.17, 2021



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