Independent consumer guides. WaterDamageResponse247 is not affiliated with any of the carriers listed below. Information is sourced from public websites and state insurance department filings. Not insurance advice.
Insurance Carrier Coverage Guides
Independent educational guides to water damage coverage under 15 major US homeowners insurance carriers. Public information sourced from carrier websites and state filings.
Different homeowners insurance carriers handle water damage coverage in subtly different ways. Policy forms (HO-3, HO-5), available riders, claim processes, and standard exclusions vary. These guides provide a starting point for understanding what each carrier typically offers. Always verify your specific coverage with the carrier directly or with a licensed insurance agent.
Top 15 US Carriers (by market share)
State Farm
~17% (2025 estimate, NAIC)Founded 1922 · Bloomington, Illinois
Forms: HO-3 Special Form, HO-5 Comprehensive
View coverage guide →
Allstate
~9% (2025 estimate, NAIC)Founded 1931 · Northbrook, Illinois
Forms: HO-3 Special Form, HO-5 Premier Plus
View coverage guide →
USAA
~6% (limited to military families)Founded 1922 · San Antonio, Texas
Forms: HO-3 Special Form, HO-5 Comprehensive
View coverage guide →
Liberty Mutual
~7% (2025 estimate, NAIC)Founded 1912 · Boston, Massachusetts
Forms: HO-3 Special Form, HO-5 Comprehensive
View coverage guide →
Farmers
~5% (2025 estimate, NAIC)Founded 1928 · Woodland Hills, California
Forms: HO-3 Smart Plan, HO-5 Smart Plan Premier
View coverage guide →
Nationwide
~4% (2025 estimate, NAIC)Founded 1926 · Columbus, Ohio
Forms: HO-3 Special Form, HO-5 Better Roof Replacement
View coverage guide →
Travelers
~3% (2025 estimate, NAIC)Founded 1864 · Hartford, Connecticut
Forms: HO-3 Special Form, HO-5 Premier
View coverage guide →
American Family
~3% (2025 estimate, NAIC)Founded 1927 · Madison, Wisconsin
Forms: HO-3 Special Form, HO-5 Diamond Tier
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Erie
~2% (regional)Founded 1925 · Erie, Pennsylvania
Forms: HO-3 Special Form, HO-5 ErieSecure
View coverage guide →
Auto-Owners
~2% (regional)Founded 1916 · Lansing, Michigan
Forms: HO-3 Special Form, HO-5 Premier
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Progressive
~2% (homeowners)Founded 1937 · Mayfield Village, Ohio
Forms: HO-3 Special Form (via partners)
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AAA
~2% (regional, varies by club)Founded 1902 (AAA federation founding) · Independent regional clubs (no single national insurer)
Forms: HO-3 Special Form (varies by AAA club), HO-5 Comprehensive (select clubs)
View coverage guide →
The Hartford
~1.5% (focus: AARP members)Founded 1810 · Hartford, Connecticut
Forms: HO-3 Special Form (AARP Home Insurance Program)
View coverage guide →
MetLife (Farmers brand)
~1% (transitioning)Founded 1868 (MetLife) · New York, New York
Forms: HO-3 Special Form, HO-5 Comprehensive
View coverage guide →
Chubb
~1.5% (high-net-worth focus)Founded 1882 · Zurich, Switzerland (Chubb Limited)
Forms: Masterpiece (proprietary), HO-3 (limited markets)
View coverage guide →
About These Guides
These guides are designed to help homeowners understand the general approach each major carrier takes to water damage claims. They are not endorsements, comparisons, or rankings — simply educational summaries of publicly available information.
Sources include each carrier's public website, NAIC market share data, state insurance department filings, and the Insurance Information Institute (III). Carrier names and trademarks are used solely for identification purposes under nominative fair use; we are not affiliated with any carrier listed.
For specific questions about your coverage, contact your carrier or a licensed insurance agent in your state.