WallStreetZenWallStreetZen

Sectors & IndustriesFinancial ServicesInsurance - Property & Casualty
Best Property & Casualty Insurance Stocks to Buy Now (2025)
Top property & casualty insurance stocks in 2025 ranked by overall Zen Rating. "A" Rated stocks have returned an average of +32.52% per year, and are the best property & casualty insurance stocks to buy now. Learn More.

Industry: Insurance - Property & Ca...
Overview
Zen RatingPriceValueGrowthFinancialsMomentumSentimentForecastDividendsDue Diligence
A
Insurance - Property & Casualty is Zen Rated A and is the 19th ranked industry out of 145 stock market industries
Learn how the Zen Ratings work
Ticker
Company
Exchange
Industry
Zen Rating
Market Cap
Price
1d %
EBITDA
P/E
D/E
Country
DD Score
HRTG
HERITAGE INSURANCE HOLDINGS INC
NYSE
Insurance - Property & Casualty
$661.40M$21.34-4.09%$123.55M8.40x5.73
United States
KINS
KINGSTONE COMPANIES INC
NASDAQ
Insurance - Property & Casualty
$207.15M$14.79-2.25%$31.43M8.45x3.69
United States
UVE
UNIVERSAL INSURANCE HOLDINGS INC
NYSE
Insurance - Property & Casualty
$684.20M$24.31-1.74%$105.17M10.26x5.43
United States
KMPR
KEMPER CORP
NYSE
Insurance - Property & Casualty
$3.94B$61.60-1.19%$486.60M11.41x3.28
United States
DGICA
DONEGAL GROUP INC
NASDAQ
Insurance - Property & Casualty
$672.84M$18.64-0.48%$91.30M9.00x3.05
United States
HMN
HORACE MANN EDUCATORS CORP
NYSE
Insurance - Property & Casualty
$1.65B$40.58-1.02%$204.70M14.60x9.72
United States
HCI
HCI GROUP INC
NYSE
Insurance - Property & Casualty
$1.62B$140.070.06%$202.40M11.33x3.37
United States
HGTY
HAGERTY INC
NYSE
Insurance - Property & Casualty
$3.43B$10.04-0.59%$52.66M50.20x7.35
United States
THG
HANOVER INSURANCE GROUP INC
NYSE
Insurance - Property & Casualty
$5.87B$163.49-1.40%$587.00M13.40x4.08
United States
UFCS
UNITED FIRE GROUP INC
NASDAQ
Insurance - Property & Casualty
$700.15M$27.51-1.01%$102.24M10.54x3.32
United States
SAFT
SAFETY INSURANCE GROUP INC
NASDAQ
Insurance - Property & Casualty
$1.08B$72.82-1.38%$102.66M14.86x1.69
United States
SKWD
SKYWARD SPECIALTY INSURANCE GROUP INC
NASDAQ
Insurance - Property & Casualty
$2.16B$53.40-2.25%$169.16M17.17x3.74
United States
ALL
ALLSTATE CORP
NYSE
Insurance - Property & Casualty
$51.55B$194.680.30%$6.02B13.12x4.22
United States
PGR
PROGRESSIVE CORP
NYSE
Insurance - Property & Casualty
$146.19B$249.38-0.41%$11.57B16.77x2.85
United States
ROOT
ROOT INC
NASDAQ
Insurance - Property & Casualty
$1.87B$121.65-1.59%$105.40M34.96x5.44
United States
ACIC
AMERICAN COASTAL INSURANCE CORP
NASDAQ
Insurance - Property & Casualty
$525.12M$10.86-1.27%$118.76M7.10x3.45
United States
MCY
MERCURY GENERAL CORP
NYSE
Insurance - Property & Casualty
$3.67B$66.240.41%$446.94M12.84x3.96
United States
SLDE
SLIDE INSURANCE HOLDINGS INC
NASDAQ
Insurance - Property & Casualty
N/A$18.971.44%N/AN/A2.61
United States
TRV
TRAVELERS COMPANIES INC
NYSE
Insurance - Property & Casualty
$58.00B$255.990.26%$5.67B13.74x3.82
United States
NODK
NI HOLDINGS INC
NASDAQ
Insurance - Property & Casualty
$272.60M$13.170.15%-$2.58M-45.41x1.07
United States
L
LOEWS CORP
NYSE
Insurance - Property & Casualty
$18.98B$90.50-0.52%$2.71B14.81x3.79
United States
PLMR
PALOMAR HOLDINGS INC
NASDAQ
Insurance - Property & Casualty
$3.71B$138.60-4.05%$176.14M26.91x2.07
United States
AII
AMERICAN INTEGRITY INSURANCE GROUP INC
NYSE
Insurance - Property & Casualty
$337.42M$17.24-2.93%N/AN/A-1.00
United States
SIGI
SELECTIVE INSURANCE GROUP INC
NASDAQ
Insurance - Property & Casualty
$5.25B$86.410.09%$360.47M23.35x3.36
United States
WTM
WHITE MOUNTAINS INSURANCE GROUP LTD
NYSE
Insurance - Property & Casualty
$4.62B$1,796.69-0.40%$119.50M166.98x1.30
United States
BOW
BOWHEAD SPECIALTY HOLDINGS INC
NYSE
Insurance - Property & Casualty
$1.12B$34.14-1.16%$61.63M25.29x3.48
United States
CNA
CNA FINANCIAL CORP
NYSE
Insurance - Property & Casualty
$11.89B$43.94-1.35%$1.33B13.36x5.55
United States
WRB
BERKLEY W R CORP
NYSE
Insurance - Property & Casualty
$26.23B$69.15-0.86%$2.26B15.93x3.64
United States
MKL
MARKEL GROUP INC
NYSE
Insurance - Property & Casualty
$25.30B$1,994.16-0.18%$2.92B14.65x2.73
United States
CB
CHUBB LTD
NYSE
Insurance - Property & Casualty
$112.42B$280.540.19%$11.32B13.38x2.75
Switzerland
STC
STEWART INFORMATION SERVICES CORP
NYSE
Insurance - Property & Casualty
$1.68B$60.30-6.80%$180.33M22.75x0.93
United States
ASIC
ATEGRITY SPECIALTY HOLDINGS LLC
NYSE
Insurance - Property & Casualty
N/A$20.92-0.81%N/AN/A1.69
United States
KNSL
KINSALE CAPITAL GROUP INC
NYSE
Insurance - Property & Casualty
$11.40B$489.150.04%$527.21M27.97x2.29
United States
CINF
CINCINNATI FINANCIAL CORP
NASDAQ
Insurance - Property & Casualty
$23.11B$147.860.78%$1.97B15.97x1.72
United States
LMND
LEMONADE INC
NYSE
Insurance - Property & Casualty
$2.91B$39.77-4.86%-$200.60M-13.13x2.40
United States
RLI
RLI CORP
NYSE
Insurance - Property & Casualty
$6.49B$70.72-0.77%$359.90M23.04x2.57
United States
AFG
AMERICAN FINANCIAL GROUP INC
NYSE
Insurance - Property & Casualty
$10.67B$127.761.22%$1.18B13.42x5.90
United States
KG
KESTREL GROUP LTD
NASDAQ
Insurance - Property & Casualty
N/A$25.00-0.79%$423.18kN/A0.24
PRA
PROASSURANCE CORP
NYSE
Insurance - Property & Casualty
$1.22B$23.800.25%$89.51M29.02x3.48
United States
GBLI
GLOBAL INDEMNITY GROUP LLC
NYSE
Insurance - Property & Casualty
$442.52M$31.001.64%$41.50M15.42x1.49
Cayman Islands
CNFR
CONIFER HOLDINGS INC
NASDAQ
Insurance - Property & Casualty
$9.41M$0.770.00%$29.04M0.39x9.83
United States
1

Property & Casualty Insurance Stocks FAQ

What are the best property & casualty insurance stocks to buy right now in Jul 2025?

According to Zen Ratings, our proprietary rating system that evaluates 115 factors proven to drive growth in stocks and assigns each stock in our system an overall letter grade as well as 7 individual Component Grades for Value, Growth, Momentum, Sentiment, Safety, Financials, and proprietary AI algorithms, the 3 best property & casualty insurance stocks to buy right now are:

1. Heritage Insurance Holdings (NYSE:HRTG)


Heritage Insurance Holdings (NYSE:HRTG) is the #1 top property & casualty insurance stock out of 41 with a Zen Rating of A. Stocks with a rating of A have had an average return of +32.52% per year. Learn more.

The Component Grade breakdown for Heritage Insurance Holdings (NYSE:HRTG) is: Value: A, Growth: B, Momentum: B, Sentiment: A, Safety: C, Financials: C, and AI: C.

Heritage Insurance Holdings (NYSE:HRTG) has a Due Diligence Score of 40, which is 6 points higher than the property & casualty insurance industry average of 34.

HRTG passed 16 out of 38 due diligence checks and has average fundamentals. Heritage Insurance Holdings has seen its stock return 225.8% over the past year, overperforming other property & casualty insurance stocks by 206 percentage points.

Heritage Insurance Holdings has an average 1 year price target of $29.00, an upside of 35.9% from Heritage Insurance Holdings's current stock price of $21.34.

Heritage Insurance Holdings stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 2 analysts covering Heritage Insurance Holdings, 100% have issued a Strong Buy rating, 0% have issued a Buy, 0% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

2. Kingstone Companies (NASDAQ:KINS)


Kingstone Companies (NASDAQ:KINS) is the #2 top property & casualty insurance stock out of 41 with a Zen Rating of A. Stocks with a rating of A have had an average return of +32.52% per year. Learn more.

The Component Grade breakdown for Kingstone Companies (NASDAQ:KINS) is: Value: A, Growth: B, Momentum: C, Sentiment: C, Safety: C, Financials: B, and AI: C.

Kingstone Companies (NASDAQ:KINS) has a Due Diligence Score of 42, which is 8 points higher than the property & casualty insurance industry average of 34.

KINS passed 18 out of 38 due diligence checks and has strong fundamentals. Kingstone Companies has seen its stock return 204.95% over the past year, overperforming other property & casualty insurance stocks by 185 percentage points.

3. Universal Insurance Holdings (NYSE:UVE)


Universal Insurance Holdings (NYSE:UVE) is the #3 top property & casualty insurance stock out of 41 with a Zen Rating of A. Stocks with a rating of A have had an average return of +32.52% per year. Learn more.

The Component Grade breakdown for Universal Insurance Holdings (NYSE:UVE) is: Value: B, Growth: C, Momentum: B, Sentiment: C, Safety: C, Financials: B, and AI: B.

Universal Insurance Holdings (NYSE:UVE) has a Due Diligence Score of 33, which is -1 points lower than the property & casualty insurance industry average of 34. Although this number is below the industry average, our proven quant model rates UVE as a "A".

UVE passed 11 out of 38 due diligence checks and has average fundamentals. Universal Insurance Holdings has seen its stock return 34.09% over the past year, overperforming other property & casualty insurance stocks by 15 percentage points.

What are the property & casualty insurance stocks with highest dividends?

Out of 23 property & casualty insurance stocks that have issued dividends in the past year, the 3 property & casualty insurance stocks with the highest dividend yields are:

1. Cna Financial (NYSE:CNA)


Cna Financial (NYSE:CNA) has an annual dividend yield of 8.65%, which is 6 percentage points higher than the property & casualty insurance industry average of 2.53%. Cna Financial's dividend payout is not stable, having dropped more than 10% ten times in the last 10 years. Cna Financial's dividend has shown consistent growth over the last 10 years.

Cna Financial's dividend payout ratio of 114.9% indicates that its high dividend yield might not be sustainable for the long-term.

2. American Financial Group (NYSE:AFG)


American Financial Group (NYSE:AFG) has an annual dividend yield of 6.5%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.53%. American Financial Group's dividend payout is not stable, having dropped more than 10% twenty-one times in the last 10 years. American Financial Group's dividend has shown consistent growth over the last 10 years.

American Financial Group's dividend payout ratio of 95.7% indicates that its high dividend yield might not be sustainable for the long-term.

3. Safety Insurance Group (NASDAQ:SAFT)


Safety Insurance Group (NASDAQ:SAFT) has an annual dividend yield of 4.94%, which is 2 percentage points higher than the property & casualty insurance industry average of 2.53%. Safety Insurance Group's dividend payout is stable, having never dropped by more than 10% in the last 10 years. Safety Insurance Group's dividend has shown consistent growth over the last 10 years.

Safety Insurance Group's dividend payout ratio of 73.5% indicates that its high dividend yield is sustainable for the long-term.

Why are property & casualty insurance stocks down?

Property & casualty insurance stocks were down -0.44% in the last day, and down -0.96% over the last week.

We couldn't find a catalyst for why property & casualty insurance stocks are down.

What are the most undervalued property & casualty insurance stocks?

Based on the Valuation rating, one of the 7 components of a stocks overall Zen Ratings grade, which evaluates factors including estimated earnings yield, earnings before interest and taxes/enterprise value, cash flow yield, free cash flow to price, and price-to-earnings growth (PEG ratio), the 3 most undervalued property & casualty insurance stocks right now are:

1. Heritage Insurance Holdings (NYSE:HRTG)


Heritage Insurance Holdings (NYSE:HRTG) is the most undervalued property & casualty insurance stock based on its Valuation Rating of A. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

Heritage Insurance Holdings has a valuation score of 71, which is 38 points higher than the property & casualty insurance industry average of 33. It passed 5 out of 7 valuation due diligence checks.

Heritage Insurance Holdings's stock has gained 225.8% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 206 percentage points.

2. Kingstone Companies (NASDAQ:KINS)


Kingstone Companies (NASDAQ:KINS) is the second most undervalued property & casualty insurance stock based on its Valuation Rating of A. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

Kingstone Companies has a valuation score of 29, which is -4 points higher than the property & casualty insurance industry average of 33. It passed 2 out of 7 valuation due diligence checks. Although this number is below the industry average, our proven quant model rates KINS a Valuation Rating of "A".

Kingstone Companies's stock has gained 204.95% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 185 percentage points.

3. American Integrity Insurance Group (NYSE:AII)


American Integrity Insurance Group (NYSE:AII) is the third most undervalued property & casualty insurance stock based on its Valuation Rating of B. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

American Integrity Insurance Group has a valuation score of 0, which is -33 points higher than the property & casualty insurance industry average of 33. It passed 0 out of 7 valuation due diligence checks. Although this number is below the industry average, our proven quant model rates AII a Valuation Rating of "B".

Are property & casualty insurance stocks a good buy now?

36.67% of property & casualty insurance stocks rated by analysts are a buy right now. On average, analysts expect property & casualty insurance stocks to rise by 8.55% over the next year.

13.16% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 26.32% of property & casualty insurance stocks are rated B (Buy), 52.63% are rated C (Hold), 7.89% are rated D (Sell), and 0% are rated F (Strong Sell).

What is the average p/e ratio of the insurance - property & casualty industry?

The average P/E ratio of the insurance - property & casualty industry is 16.7x.
©2025 WallStreetZen
Company
AboutNewsBlogStock Investing FAQPlansPrivacy PolicyTerms of ServiceCancellation & RefundsPerformanceHelp GuidesContactTwitterYouTubeNewsletter
Stock Tools
Top Performing AnalystsStock ScreenerStock ForecastTrending StocksStrong Buy StocksHighest Earnings StocksBest Dividend Paying StocksStatisticsStock Market SectorsStock Market IndustriesHow to Buy Stocks Online
Stock Ideas
Buy The DipBiggest Stock Gainers TodayBiggest Stock Losers Today52 Week High Stocks52 Week Low StocksMost Active Stocks TodayMost Undervalued StocksBest Penny Stocks to Buy NowBest Stocks Under $5Best Stocks Under $10
WallStreetZen does not provide financial advice and does not issue recommendations or offers to buy stock or sell any security.

Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.