Sectors & Industries Financial 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...

Zen Rating Price Value Growth Financials Momentum Sentiment Forecast Dividends Due Diligence

Insurance - Property & Casualty is Zen Rated A and is the 23rd ranked industry out of 145 stock market industries

Ticker	Company	Exchange	Industry	Market Cap	Price	1d %	EBITDA	P/E	D/E	Country
HCI	HCI GROUP INC	NYSE	Insurance - Property & Casualty	$2.46B	$189.54	1.96%	$301.16M	10.98x	1.82	United States
UVE	UNIVERSAL INSURANCE HOLDINGS INC	NYSE	Insurance - Property & Casualty	$960.95M	$34.26	3.79%	$174.52M	7.82x	5.24	United States
MCY	MERCURY GENERAL CORP	NYSE	Insurance - Property & Casualty	$5.16B	$93.12	-0.45%	$640.68M	11.74x	3.20	United States
HRTG	HERITAGE INSURANCE HOLDINGS INC	NYSE	Insurance - Property & Casualty	$924.56M	$29.91	1.60%	$220.97M	6.19x	4.41	United States
STC	STEWART INFORMATION SERVICES CORP	NYSE	Insurance - Property & Casualty	$2.05B	$73.15	2.08%	$216.13M	20.04x	0.93	United States
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	NASDAQ	Insurance - Property & Casualty	$2.10B	$51.80	4.33%	$191.41M	14.80x	3.78	United States
ALL	ALLSTATE CORP	NYSE	Insurance - Property & Casualty	$53.63B	$204.93	-1.98%	$11.67B	6.55x	3.38	United States
THG	HANOVER INSURANCE GROUP INC	NYSE	Insurance - Property & Casualty	$6.59B	$185.26	0.37%	$831.70M	10.53x	3.90	United States
SLDE	SLIDE INSURANCE HOLDINGS INC	NASDAQ	Insurance - Property & Casualty	$2.31B	$18.56	0.65%	N/A	N/A	1.79	United States
HMN	HORACE MANN EDUCATORS CORP	NYSE	Insurance - Property & Casualty	$1.90B	$46.70	0.34%	$266.10M	11.70x	9.75	United States
KINS	KINGSTONE COMPANIES INC	NASDAQ	Insurance - Property & Casualty	$237.82M	$16.81	3.19%	$42.77M	7.28x	2.98	United States
ACIC	AMERICAN COASTAL INSURANCE CORP	NASDAQ	Insurance - Property & Casualty	$635.41M	$13.03	1.96%	$133.03M	7.40x	2.60	United States
UFCS	UNITED FIRE GROUP INC	NASDAQ	Insurance - Property & Casualty	$948.11M	$37.16	-0.46%	$160.24M	8.48x	3.18	United States
HGTY	HAGERTY INC	NYSE	Insurance - Property & Casualty	$4.46B	$13.03	2.12%	$73.58M	37.23x	6.79	United States
CNA	CNA FINANCIAL CORP	NYSE	Insurance - Property & Casualty	$12.94B	$47.81	0.38%	$1.46B	13.03x	5.16	United States
CINF	CINCINNATI FINANCIAL CORP	NASDAQ	Insurance - Property & Casualty	$26.20B	$167.91	0.48%	$2.81B	12.36x	1.63	United States
PLMR	PALOMAR HOLDINGS INC	NASDAQ	Insurance - Property & Casualty	$3.55B	$133.87	3.35%	$231.19M	20.25x	2.35	United States
SAFT	SAFETY INSURANCE GROUP INC	NASDAQ	Insurance - Property & Casualty	$1.19B	$79.92	0.48%	$119.30M	13.57x	1.72	United States
L	LOEWS CORP	NYSE	Insurance - Property & Casualty	$21.88B	$105.86	-0.17%	$2.87B	15.32x	3.65	United States
AII	AMERICAN INTEGRITY INSURANCE GROUP INC	NYSE	Insurance - Property & Casualty	$400.54M	$20.46	1.59%	N/A	N/A	3.54	United States
TRV	TRAVELERS COMPANIES INC	NYSE	Insurance - Property & Casualty	$65.50B	$293.65	0.82%	$7.69B	11.38x	3.55	United States
CB	CHUBB LTD	NYSE	Insurance - Property & Casualty	$122.38B	$310.96	-0.64%	$13.03B	12.86x	2.68	Switzerland
SIGI	SELECTIVE INSURANCE GROUP INC	NASDAQ	Insurance - Property & Casualty	$5.11B	$84.51	0.40%	$587.19M	12.92x	3.29	United States
ASIC	ATEGRITY SPECIALTY INSURANCE CO HOLDINGS	NYSE	Insurance - Property & Casualty	$1.01B	$20.95	3.10%	N/A	N/A	1.46	United States
RLI	RLI CORP	NYSE	Insurance - Property & Casualty	$6.07B	$66.09	0.06%	$453.03M	17.17x	2.33	United States
MKL	MARKEL GROUP INC	NYSE	Insurance - Property & Casualty	$27.30B	$2,164.73	0.63%	$3.22B	13.50x	2.71	United States
LMND	LEMONADE INC	NYSE	Insurance - Property & Casualty	$6.19B	$82.82	4.70%	-$160.80M	-34.80x	2.72	United States
DGICA	DONEGAL GROUP INC	NASDAQ	Insurance - Property & Casualty	$767.64M	$20.95	1.16%	$111.23M	8.52x	2.86	United States
PGR	PROGRESSIVE CORP	NYSE	Insurance - Property & Casualty	$131.86B	$224.86	-1.06%	$14.09B	12.30x	2.43	United States
WRB	BERKLEY W R CORP	NYSE	Insurance - Property & Casualty	$26.43B	$69.55	0.64%	$2.52B	14.52x	3.46	United States
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	NYSE	Insurance - Property & Casualty	$5.21B	$2,040.00	-0.32%	$257.60M	37.60x	1.39	United States
BOW	BOWHEAD SPECIALTY HOLDINGS INC	NYSE	Insurance - Property & Casualty	$953.66M	$29.09	3.56%	$72.29M	17.96x	3.86	United States
AFG	AMERICAN FINANCIAL GROUP INC	NYSE	Insurance - Property & Casualty	$11.50B	$137.94	-0.02%	$1.18B	14.49x	6.15	United States
KNSL	KINSALE CAPITAL GROUP INC	NYSE	Insurance - Property & Casualty	$9.21B	$396.00	4.76%	$614.15M	19.35x	2.13	United States
KMPR	KEMPER CORP	NYSE	Insurance - Property & Casualty	$2.37B	$40.47	-1.63%	$298.30M	10.46x	3.56	United States
ROOT	ROOT INC	NASDAQ	Insurance - Property & Casualty	$1.20B	$77.07	1.18%	$92.30M	21.65x	4.78	United States
PRA	PROASSURANCE CORP	NYSE	Insurance - Property & Casualty	$1.24B	$24.20	-0.12%	$79.94M	36.67x	3.26	United States
GBLI	GLOBAL INDEMNITY GROUP LLC	NASDAQ	Insurance - Property & Casualty	$405.80M	$28.33	-0.01%	$42.12M	14.60x	1.46	Cayman Islands
NODK	NI HOLDINGS INC	NASDAQ	Insurance - Property & Casualty	$302.70M	$14.69	2.87%	$5.08M	113.00x	1.23	United States
PRHI	PRESURANCE HOLDINGS INC	NASDAQ	Insurance - Property & Casualty	$10.76M	$0.88	-5.17%	-$23.50M	-0.40x	10.26	United States

Property & Casualty Insurance Stocks FAQ

What are the best property & casualty insurance stocks to buy right now in Dec 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. Hci Group (NYSE:HCI)

Hci Group (NYSE:HCI) is the #1 top property & casualty insurance stock out of 40 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 Hci Group (NYSE:HCI) is: Value: C, Growth: A, Momentum: C, Sentiment: A, Safety: C, Financials: B, and AI: B.

Hci Group (NYSE:HCI) has a Due Diligence Score of 52, which is 19 points higher than the property & casualty insurance industry average of 33.

HCI passed 20 out of 38 due diligence checks and has strong fundamentals. Hci Group has seen its stock return 73.89% over the past year, overperforming other property & casualty insurance stocks by 60 percentage points.

Hci Group has an average 1 year price target of $245.00, an upside of 29.26% from Hci Group's current stock price of $189.54.

Hci Group stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 2 analysts covering Hci Group, 50% have issued a Strong Buy rating, 50% have issued a Buy, 0% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

2. Universal Insurance Holdings (NYSE:UVE)

Universal Insurance Holdings (NYSE:UVE) is the #2 top property & casualty insurance stock out of 40 with a Zen Rating of B. Stocks with a rating of B have had an average return of +19.88% per year. Learn more.

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

Universal Insurance Holdings (NYSE:UVE) has a Due Diligence Score of 39, which is 6 points higher than the property & casualty insurance industry average of 33.

UVE passed 14 out of 38 due diligence checks and has average fundamentals. Universal Insurance Holdings has seen its stock return 66.15% over the past year, overperforming other property & casualty insurance stocks by 52 percentage points.

3. Mercury General (NYSE:MCY)

Mercury General (NYSE:MCY) is the #3 top property & casualty insurance stock out of 40 with a Zen Rating of B. Stocks with a rating of B have had an average return of +19.88% per year. Learn more.

The Component Grade breakdown for Mercury General (NYSE:MCY) is: Value: C, Growth: C, Momentum: B, Sentiment: A, Safety: C, Financials: C, and AI: A.

Mercury General (NYSE:MCY) has a Due Diligence Score of 26, which is -7 points lower than the property & casualty insurance industry average of 33. Although this number is below the industry average, our proven quant model rates MCY as a "B".

MCY passed 9 out of 38 due diligence checks and has average fundamentals. Mercury General has seen its stock return 38.14% over the past year, overperforming other property & casualty insurance stocks by 24 percentage points.

Mercury General has an average 1 year price target of $100.00, an upside of 7.39% from Mercury General's current stock price of $93.12.

Mercury General stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 1 analyst covering Mercury General, 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.

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

Out of 24 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 8.03%, which is 6 percentage points higher than the property & casualty insurance industry average of 2.13%. 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 not shown consistent growth over the last 10 years.

Cna Financial's dividend payout ratio of 104.1% 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 4.7%, which is 3 percentage points higher than the property & casualty insurance industry average of 2.13%. American Financial Group's dividend payout is not stable, having dropped more than 10% twenty 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 97.5% 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 4.55%, which is 2 percentage points higher than the property & casualty insurance industry average of 2.13%. 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 61.5% indicates that its high dividend yield is sustainable for the long-term.

Why are property & casualty insurance stocks up?

Property & casualty insurance stocks were up 0.55% in the last day, and up 1.23% over the last week.

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

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. Kingstone Companies (NASDAQ:KINS)

Kingstone Companies (NASDAQ:KINS) 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.

Kingstone Companies has a valuation score of 43, which is 14 points higher than the property & casualty insurance industry average of 29. It passed 3 out of 7 valuation due diligence checks.

Kingstone Companies's stock has gained 10.23% in the past year. It has underperformed other stocks in the property & casualty insurance industry by -4 percentage points.

2. Heritage Insurance Holdings (NYSE:HRTG)

Heritage Insurance Holdings (NYSE:HRTG) 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.

Heritage Insurance Holdings has a valuation score of 29, which is 0 points higher than the property & casualty insurance industry average of 29. It passed 2 out of 7 valuation due diligence checks.

Heritage Insurance Holdings's stock has gained 160.54% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 146 percentage points.

3. Allstate (NYSE:ALL)

Allstate (NYSE:ALL) 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.

Allstate has a valuation score of 43, which is 14 points higher than the property & casualty insurance industry average of 29. It passed 3 out of 7 valuation due diligence checks.

Allstate's stock has gained 8.29% in the past year. It has underperformed other stocks in the property & casualty insurance industry by -6 percentage points.

Are property & casualty insurance stocks a good buy now?

40.74% of property & casualty insurance stocks rated by analysts are a buy right now. On average, analysts expect property & casualty insurance stocks to rise by 10.51% over the next year.

2.7% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 37.84% of property & casualty insurance stocks are rated B (Buy), 54.05% are rated C (Hold), 5.41% 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 12.27x.

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.