There’s no single “best” insurer – it depends on what matters most to you:
Standard insurers are state-regulated and backed by guaranty funds, offering more consumer protection.
E&S insurers aren’t state-backed but take on higher-risk homes and have flexible underwriting. E&S insurers insure homes that standard insurers can’t – for example, due to roof age, claims, or location. They may charge higher premiums or keep 25 % of the annual premium if you cancel early, but they provide vital coverage when standard options aren’t available.
If prices are close, most people prefer a standard insurer for added peace of mind.