Among Consumer Reports members surveyed recently about the experiences they’d had with their homeowners insurance companies, 21 percent said they’d switched carriers in the previous five years.

Amica and Erie are among our picks for the best homeowners insurance companies in the U.S. Compare more top-rated home insurers now.

If damage forces you out of your home, renters' insurance can help pay some of your living expenses and cover some of what you may have lost.