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...

Overview Zen Rating Price Value Growth Financials Momentum Sentiment

Insurance - Property & Casualty is Zen Rated A and is the 7th ranked industry out of 145 stock market industries

Ticker	Company	Market Cap	Shares	Institutional %	Insider %	Net Insider (L12M)	Net Insider (L3M)
KINS	KINGSTONE COMPANIES INC	$212.11M	14,140,604	46.67%	32.03%	Net Selling
ALL	ALLSTATE CORP	$51.32B	263,505,334	79.70%	1.61%	Net Selling	Net Selling
UVE	UNIVERSAL INSURANCE HOLDINGS INC	$918.32M	28,048,881	72.22%	27.78%	Net Selling	Net Selling
HRTG	HERITAGE INSURANCE HOLDINGS INC	$767.39M	30,993,270	58.66%	19.95%	Net Selling	Net Selling
HCI	HCI GROUP INC	$2.35B	11,547,697	86.60%	10.99%	Net Selling
HMN	HORACE MANN EDUCATORS CORP	$1.90B	40,695,729	95.55%	4.45%	Net Selling	Net Selling
THG	HANOVER INSURANCE GROUP INC	$6.26B	35,583,964	90.74%	5.24%	Net Selling
STC	STEWART INFORMATION SERVICES CORP	$1.93B	27,998,523	92.19%	7.81%	Net Selling	Net Selling
MCY	MERCURY GENERAL CORP	$4.53B	55,388,627	46.36%	35.78%	Net Buying
UFCS	UNITED FIRE GROUP INC	$903.44M	25,492,013	21.69%	78.31%	Net Buying	Net Selling
CNA	CNA FINANCIAL CORP	$12.09B	270,666,584	51.69%	48.31%	Net Selling	Net Selling
HGTY	HAGERTY INC	$3.89B	342,064,049	22.24%	21.77%	Net Selling	Net Selling
SLDE	SLIDE INSURANCE HOLDINGS INC	$2.11B	125,497,433	23.49%	76.51%	Net Selling
CINF	CINCINNATI FINANCIAL CORP	$24.97B	156,018,513	69.36%	14.69%	Net Buying	Net Buying
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	$1.90B	40,486,656	88.09%	11.91%	Net Selling
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	$4.89B	2,575,161	61.50%	38.50%	Net Selling
ACIC	AMERICAN COASTAL INSURANCE CORP	$599.58M	48,353,412	30.44%	69.56%	Net Selling
AII	AMERICAN INTEGRITY INSURANCE GROUP INC	$480.49M	19,571,965	41.84%	56.70%	Net Selling
L	LOEWS CORP	$20.84B	206,659,567	44.85%	55.15%	Net Selling	Net Buying
SAFT	SAFETY INSURANCE GROUP INC	$1.07B	14,893,552	64.36%	35.64%	Net Selling	Net Buying
KMPR	KEMPER CORP	$2.67B	62,742,781	63.83%	36.17%	Net Selling	Net Buying
TRV	TRAVELERS COMPANIES INC	$61.71B	223,063,417	84.54%	1.72%	Net Selling	Net Buying
ASIC	ATEGRITY SPECIALTY INSURANCE CO HOLDINGS	$902.69M	48,066,674	12.59%	81.21%	Net Buying	Net Buying
CB	CHUBB LTD	$111.48B	393,550,859	90.04%	1.16%	Net Selling	Net Selling
PLMR	PALOMAR HOLDINGS INC	$3.13B	26,783,465	87.45%	12.55%	Net Selling	Net Selling
RLI	RLI CORP	$5.56B	91,837,835	83.65%	6.41%	Net Buying	Net Buying
MKL	MARKEL GROUP INC	$25.18B	12,610,250	79.46%	3.29%	Net Selling	Net Selling
LMND	LEMONADE INC	$5.82B	73,886,417	41.07%	58.93%	Net Selling	Net Selling
SIGI	SELECTIVE INSURANCE GROUP INC	$4.65B	60,409,116	86.65%	4.45%	Net Selling	Net Buying
BOW	BOWHEAD SPECIALTY HOLDINGS INC	$849.73M	32,782,974	31.15%	68.85%	Net Selling	Net Selling
WRB	BERKLEY W R CORP	$28.40B	380,021,174	45.96%	54.04%	Net Selling	Net Selling
DGICA	DONEGAL GROUP INC	$703.16M	36,508,629	35.94%	15.99%	Net Buying	Net Buying
PGR	PROGRESSIVE CORP	$122.52B	586,397,236	86.01%	8.83%	Net Selling	Net Selling
AFG	AMERICAN FINANCIAL GROUP INC	$11.27B	83,394,479	43.73%	56.27%	Net Selling	Net Selling
KNSL	KINSALE CAPITAL GROUP INC	$9.18B	23,263,426	86.63%	11.93%	Net Selling	Net Buying
ROOT	ROOT INC	$1.37B	15,447,334	23.93%	76.07%	Net Selling	Net Selling
PRA	PROASSURANCE CORP	$1.24B	51,413,643	87.34%	12.66%	Net Buying
GBLI	GLOBAL INDEMNITY GROUP LLC	$418.98M	14,323,954	34.06%	65.94%	Net Buying	Net Buying
PRHI	PRESURANCE HOLDINGS INC	$16.75M	12,222,881	1.49%	98.51%	Net Buying	Net Selling
NODK	NI HOLDINGS INC	$275.81M	20,675,337	24.33%	64.78%	Net Selling

Property & Casualty Insurance Stocks FAQ

What are the best property & casualty insurance stocks to buy right now in Nov 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. Kingstone Companies (NASDAQ:KINS)

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

Kingstone Companies (NASDAQ:KINS) has a Due Diligence Score of 49, which is 14 points higher than the property & casualty insurance industry average of 35.

KINS passed 20 out of 38 due diligence checks and has strong fundamentals. Kingstone Companies has seen its stock return 37.87% over the past year, overperforming other property & casualty insurance stocks by 25 percentage points.

2. Allstate (NYSE:ALL)

Allstate (NYSE:ALL) 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 Allstate (NYSE:ALL) is: Value: B, Growth: C, Momentum: C, Sentiment: B, Safety: C, Financials: C, and AI: B.

Allstate (NYSE:ALL) has a Due Diligence Score of 39, which is 4 points higher than the property & casualty insurance industry average of 35.

ALL passed 13 out of 38 due diligence checks and has average fundamentals. Allstate has seen its stock return 5.24% over the past year, underperforming other property & casualty insurance stocks by -8 percentage points.

Allstate has an average 1 year price target of $217.91, an upside of 11.89% from Allstate's current stock price of $194.75.

Allstate stock has a consensus Buy recommendation according to Wall Street analysts. Of the 11 analysts covering Allstate, 54.55% have issued a Strong Buy rating, 27.27% have issued a Buy, 9.09% have issued a hold, while 0% have issued a Sell rating, and 9.09% have issued a Strong Sell.

3. Universal Insurance Holdings (NYSE:UVE)

Universal Insurance Holdings (NYSE:UVE) 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 Universal Insurance Holdings (NYSE:UVE) is: Value: C, 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 -2 points lower than the property & casualty insurance industry average of 35. Although this number is below the industry average, our proven quant model rates UVE as a "B".

UVE passed 12 out of 38 due diligence checks and has average fundamentals. Universal Insurance Holdings has seen its stock return 60.81% over the past year, overperforming other property & casualty insurance stocks by 48 percentage points.

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

Out of 25 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 8.55%, which is 6 percentage points higher than the property & casualty insurance industry average of 2.37%. 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 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 6.27%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.37%. 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 not shown consistent growth over the last 10 years.

American Financial Group's dividend payout ratio of 92.3% 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 5.03%, which is 3 percentage points higher than the property & casualty insurance industry average of 2.37%. 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 up?

Property & casualty insurance stocks were up 0.65% in the last day, and up 3.93% over the last week. Lemonade was the among the top gainers in the insurance - property & casualty industry, gaining 34.21% yesterday.

Lemonade shares are trading higher after the company reported better-than-expected Q3 results and raised its FY2025 sales guidance above estimates.

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 57, which is 24 points higher than the property & casualty insurance industry average of 33. It passed 4 out of 7 valuation due diligence checks.

Kingstone Companies's stock has gained 37.87% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 25 percentage points.

2. Kemper (NYSE:KMPR)

Kemper (NYSE:KMPR) 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.

Kemper has a valuation score of 57, which is 24 points higher than the property & casualty insurance industry average of 33. It passed 4 out of 7 valuation due diligence checks.

Kemper's stock has dropped -32.9% in the past year. It has underperformed other stocks in the property & casualty insurance industry by -46 percentage points.

3. Heritage Insurance Holdings (NYSE:HRTG)

Heritage Insurance Holdings (NYSE:HRTG) 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.

Heritage Insurance Holdings has a valuation score of 57, which is 24 points higher than the property & casualty insurance industry average of 33. It passed 4 out of 7 valuation due diligence checks.

Heritage Insurance Holdings's stock has gained 127.57% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 115 percentage points.

Are property & casualty insurance stocks a good buy now?

39.29% of property & casualty insurance stocks rated by analysts are a buy right now. On average, analysts expect property & casualty insurance stocks to rise by 13.13% over the next year.

2.78% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 33.33% of property & casualty insurance stocks are rated B (Buy), 63.89% are rated C (Hold), 0% 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 11.85x.

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.

Property & Casualty Insurance Stocks FAQ

1. Kingstone Companies (NASDAQ:KINS)

2. Allstate (NYSE:ALL)

3. Universal Insurance Holdings (NYSE:UVE)

1. Cna Financial (NYSE:CNA)

2. American Financial Group (NYSE:AFG)

3. Safety Insurance Group (NASDAQ:SAFT)

1. Kingstone Companies (NASDAQ:KINS)

2. Kemper (NYSE:KMPR)

3. Heritage Insurance Holdings (NYSE:HRTG)

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