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...

Growth Financials Momentum Sentiment Forecast Dividends Due Diligence

Insurance - Property & Casualty is Zen Rated A and is the 20th ranked industry out of 145 stock market industries

Ticker	Company	Price	Graham Fair Value	Graham Fair Value %	P/E	Forward P/E	P/S	P/B	PEG	Free Cash Flow	Free Cash Flow Yield	Book Value	BVPS	EV	EV/EBITDA
HRTG	HERITAGE INSURANCE HOLDINGS INC	$20.90	$34.65	-39.68%	8.23x	6.44x	0.77x	1.97x	0.37x	$73.53M	11.46%	$329.00M	10.72	$327.28M	2.65
KINS	KINGSTONE COMPANIES INC	$15.79	$17.05	-7.38%	9.02x	7.90x	1.25x	2.69x	0.78x	$67.05M	31.52%	$82.21M	6.10	$189.03M	6.02
UVE	UNIVERSAL INSURANCE HOLDINGS INC	$23.40	$21.39	9.39%	9.87x	8.83x	0.42x	1.56x	1.03x	$235.98M	35.90%	$422.39M	15.04	$360.79M	3.43
MCY	MERCURY GENERAL CORP	$70.69	$67.83	4.21%	10.04x	-141.38x	0.68x	1.99x	0.89x	$842.97M	21.53%	$1.97B	35.56	$3.38B	5.85
KMPR	KEMPER CORP	$60.49	$49.08	23.25%	11.20x	9.54x	0.83x	1.33x	1.15x	$475.50M	12.28%	$2.92B	45.59	$4.70B	9.65
HMN	HORACE MANN EDUCATORS CORP	$41.42	$39.62	4.55%	14.90x	10.39x	1.05x	1.26x	0.62x	$518.40M	30.30%	$1.34B	32.51	$2.21B	10.78
THG	HANOVER INSURANCE GROUP INC	$165.24	$123.40	33.90%	13.54x	11.41x	0.95x	1.95x	1.07x	$777.20M	13.07%	$3.04B	84.57	$6.40B	10.91
HCI	HCI GROUP INC	$140.02	$161.35	-13.22%	11.33x	9.01x	2.13x	3.09x	0.54x	$307.01M	18.99%	$522.68M	45.26	$1.09B	5.37
UFCS	UNITED FIRE GROUP INC	$26.74	N/A	N/A	10.25x	10.70x	0.53x	0.83x	N/A	$341.56M	50.31%	$817.66M	32.20	$613.99M	6.01
SAFT	SAFETY INSURANCE GROUP INC	$70.21	$30.07	133.52%	14.33x	N/A	0.90x	1.23x	9.65x	$151.37M	14.65%	$850.67M	57.80	$1.03B	9.99
DGICA	DONEGAL GROUP INC	$17.33	N/A	N/A	8.37x	14.44x	0.63x	1.07x	N/A	$88.37M	14.13%	$584.72M	16.20	$596.24M	6.53
HGTY	HAGERTY INC	$10.04	$3.92	156.16%	50.20x	31.38x	0.72x	21.06x	1.28x	$140.42M	15.53%	$162.94M	1.81	$3.32B	63.04
TRV	TRAVELERS COMPANIES INC	$258.92	$170.19	52.14%	11.29x	12.26x	1.22x	1.97x	2.22x	$9.63B	16.47%	$29.52B	130.67	$65.67B	9.52
ROOT	ROOT INC	$113.06	$25.57	342.14%	32.49x	31.85x	1.35x	7.60x	6.66x	$196.50M	11.43%	$228.70M	15.05	$1.33B	12.59
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	$49.44	$31.04	59.26%	15.90x	14.00x	1.64x	2.35x	1.30x	$303.44M	15.27%	$850.72M	21.16	$1.96B	11.61
ACIC	AMERICAN COASTAL INSURANCE CORP	$10.35	N/A	N/A	6.76x	7.67x	1.65x	1.92x	N/A	$145.35M	29.18%	$260.88M	5.42	$419.82M	3.54
PLMR	PALOMAR HOLDINGS INC	$130.52	$68.69	90.00%	25.34x	19.77x	5.70x	4.42x	1.17x	$309.05M	8.88%	$790.45M	29.65	$3.37B	19.14
PGR	PROGRESSIVE CORP	$241.71	$117.03	106.54%	16.25x	13.83x	1.80x	4.89x	2.57x	$15.82B	11.17%	$28.95B	49.41	$148.38B	12.82
CINF	CINCINNATI FINANCIAL CORP	$149.51	N/A	N/A	12.83x	27.92x	2.00x	1.63x	N/A	$2.59B	11.07%	$14.30B	91.45	$23.27B	9.51
STC	STEWART INFORMATION SERVICES CORP	$64.93	$76.24	-14.83%	24.50x	13.61x	0.72x	1.29x	0.38x	$94.24M	5.21%	$1.40B	50.32	$2.22B	12.34
ALL	ALLSTATE CORP	$192.28	$121.46	58.30%	8.92x	10.51x	0.77x	2.11x	111.29x	$8.54B	16.78%	$24.02B	90.78	$57.76B	6.94
NODK	NI HOLDINGS INC	$12.88	N/A	N/A	-44.41x	N/A	0.84x	1.05x	N/A	$31.57M	11.66%	$254.00M	12.09	$209.40M	-81.22
L	LOEWS CORP	$90.29	N/A	N/A	14.78x	N/A	1.08x	1.10x	N/A	$2.99B	15.60%	$17.19B	80.92	$27.32B	10.08
AII	AMERICAN INTEGRITY INSURANCE GROUP INC	$18.60	N/A	N/A	N/A	N/A	N/A	-0.38x	N/A	N/A	N/A	-$948.69M	-7.72	$126.35M	N/A
SLDE	SLIDE INSURANCE HOLDINGS INC	$19.28	N/A	N/A	N/A	8.84x	N/A	N/A	N/A	N/A	N/A	$532.45M	4.26	N/A	N/A
SIGI	SELECTIVE INSURANCE GROUP INC	$79.41	$63.16	25.73%	12.91x	11.21x	0.95x	1.43x	0.99x	$1.13B	23.45%	$3.37B	55.37	$5.70B	10.31
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	$1,778.73	$357.54	397.49%	165.31x	N/A	2.11x	1.02x	2.14x	$510.10M	11.14%	$4.51B	1,752.17	$4.94B	41.36
RLI	RLI CORP	$66.07	N/A	N/A	18.74x	21.61x	3.34x	3.50x	N/A	$622.47M	10.26%	$1.73B	18.89	$6.15B	14.89
CB	CHUBB LTD	$266.51	$160.26	66.29%	11.65x	12.45x	1.86x	1.53x	2.98x	$14.00B	13.18%	$69.40B	174.06	$122.34B	9.97
WRB	BERKLEY W R CORP	$68.91	$29.89	130.54%	15.88x	16.31x	1.88x	2.93x	4.43x	$3.61B	13.80%	$8.91B	23.50	$27.32B	12.10
CNA	CNA FINANCIAL CORP	$44.03	$38.34	14.83%	13.38x	10.52x	0.83x	1.16x	0.79x	$2.61B	21.87%	$10.28B	37.89	$14.41B	10.82
ASIC	ATEGRITY SPECIALTY HOLDINGS LLC	$19.72	N/A	N/A	N/A	16.57x	N/A	N/A	N/A	N/A	N/A	$426.82M	0.99	N/A	N/A
BOW	BOWHEAD SPECIALTY HOLDINGS INC	$31.99	$16.80	90.40%	23.70x	20.16x	2.28x	2.67x	1.24x	$296.56M	28.38%	$391.36M	11.98	$921.43M	14.95
KNSL	KINSALE CAPITAL GROUP INC	$444.60	$129.46	243.43%	23.06x	24.59x	5.98x	6.01x	7.43x	$940.11M	9.12%	$1.72B	74.33	$10.41B	17.95
MKL	MARKEL GROUP INC	$2,006.57	N/A	N/A	11.99x	20.72x	1.54x	1.47x	N/A	$2.05B	8.07%	$17.32B	1,368.81	$25.46B	7.44
LMND	LEMONADE INC	$36.28	N/A	N/A	-11.97x	-13.11x	4.74x	4.87x	N/A	-$38.00M	-1.44%	$545.50M	7.48	$2.44B	-12.16
KG	KESTREL GROUP LTD	$26.36	N/A	N/A	N/A	N/A	732.22x	N/A	N/A	-$1.27M	-0.03%	$3.79M	0.03	N/A	N/A
AFG	AMERICAN FINANCIAL GROUP INC	$123.80	$78.35	58.01%	13.00x	12.53x	1.25x	2.35x	1.77x	$1.30B	12.50%	$4.39B	52.41	$10.54B	8.96
CNFR	CONIFER HOLDINGS INC	$0.85	$74.06	-98.86%	0.43x	N/A	0.14x	0.40x	0.00x	-$56.11M	-542.67%	$25.59M	2.09	$12.06M	0.42
PRA	PROASSURANCE CORP	$23.79	$8.45	181.67%	29.01x	26.61x	1.07x	0.99x	2.21x	$228.00k	0.02%	$1.23B	24.10	$1.62B	18.07
GBLI	GLOBAL INDEMNITY GROUP LLC	$30.79	$12.13	153.73%	15.32x	15.09x	0.98x	0.64x	12.67x	$18.56M	4.35%	$687.05M	49.55	$368.23M	8.87

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: C, Momentum: B, Sentiment: A, Safety: C, Financials: C, and AI: C.

Heritage Insurance Holdings (NYSE:HRTG) has a Due Diligence Score of 38, which is 4 points higher than the property & casualty insurance industry average of 34.

HRTG passed 15 out of 38 due diligence checks and has average fundamentals. Heritage Insurance Holdings has seen its stock return 153.33% over the past year, overperforming other property & casualty insurance stocks by 143 percentage points.

Heritage Insurance Holdings has an average 1 year price target of $29.00, an upside of 38.76% from Heritage Insurance Holdings's current stock price of $20.90.

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: B, Growth: B, Momentum: C, Sentiment: C, Safety: C, Financials: C, and AI: C.

Kingstone Companies (NASDAQ:KINS) has a Due Diligence Score of 47, which is 13 points higher than the property & casualty insurance industry average of 34.

KINS passed 20 out of 38 due diligence checks and has strong fundamentals. Kingstone Companies has seen its stock return 111.66% over the past year, overperforming other property & casualty insurance stocks by 101 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: C, Sentiment: B, Safety: C, Financials: B, and AI: B.

Universal Insurance Holdings (NYSE:UVE) has a Due Diligence Score of 31, which is -3 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 10 out of 38 due diligence checks and has average fundamentals. Universal Insurance Holdings has seen its stock return 15.9% over the past year, overperforming other property & casualty insurance stocks by 6 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 8.63%, which is 6 percentage points higher than the property & casualty insurance industry average of 2.58%. 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 6.14%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.58%. 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 5.13%, which is 3 percentage points higher than the property & casualty insurance industry average of 2.58%. 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 -0.7% in the last day, and down -1.94% over the last week. Allstate was the among the top losers in the insurance - property & casualty industry, dropping -0.84% yesterday.

Allstate shares are trading higher after the company reported better-than-expected Q2 adjusted EPS results.

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 153.33% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 143 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 B. 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 111.66% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 101 percentage points.

3. American Coastal Insurance (NASDAQ:ACIC)

American Coastal Insurance (NASDAQ:ACIC) 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 Coastal Insurance has a valuation score of 43, which is 10 points higher than the property & casualty insurance industry average of 33. It passed 3 out of 7 valuation due diligence checks.

American Coastal Insurance's stock has dropped -15.65% in the past year. It has underperformed other stocks in the property & casualty insurance industry by -26 percentage points.

Are property & casualty insurance stocks a good buy now?

35.48% of property & casualty insurance stocks rated by analysts are a buy right now. On average, analysts expect property & casualty insurance stocks to rise by 10.58% over the next year.

13.16% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 23.68% of property & casualty insurance stocks are rated B (Buy), 55.26% 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 15x.

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. Heritage Insurance Holdings (NYSE:HRTG)

2. Kingstone Companies (NASDAQ:KINS)

3. Universal Insurance Holdings (NYSE:UVE)

1. Cna Financial (NYSE:CNA)

2. American Financial Group (NYSE:AFG)

3. Safety Insurance Group (NASDAQ:SAFT)

1. Heritage Insurance Holdings (NYSE:HRTG)

2. Kingstone Companies (NASDAQ:KINS)

3. American Coastal Insurance (NASDAQ:ACIC)

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