Sectors & Industries Financial ServicesInsurance - Property & Casualty
Best Property & Casualty Insurance Stocks to Buy Now (2026)
Top property & casualty insurance stocks in 2026 ranked by overall Zen Rating. "A" Rated stocks have returned an average of +28.50% 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 25th 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
KINS	KINGSTONE COMPANIES INC	$18.14	$16.26	11.58%	7.29x	6.71x	1.11x	2.03x	1.05x	$83.08M	31.63%	$129.16M	8.92	$249.47M	5.27
MCY	MERCURY GENERAL CORP	$100.27	N/A	N/A	5.93x	8.36x	0.88x	1.96x	N/A	$1.29B	23.14%	$2.84B	51.20	$4.82B	3.79
HRTG	HERITAGE INSURANCE HOLDINGS INC	$33.83	N/A	N/A	4.81x	6.22x	1.19x	1.77x	N/A	$300.91M	29.63%	$567.73M	18.91	$496.30M	1.61
ALL	ALLSTATE CORP	$224.41	N/A	N/A	4.43x	6.30x	0.82x	1.68x	N/A	$12.25B	21.32%	$33.70B	131.63	$63.40B	3.56
UVE	UNIVERSAL INSURANCE HOLDINGS INC	$43.13	N/A	N/A	5.44x	8.80x	0.73x	1.88x	N/A	$339.76M	28.52%	$637.16M	23.07	$697.38M	2.28
UFCS	UNITED FIRE GROUP INC	$53.94	N/A	N/A	9.77x	10.96x	0.94x	1.42x	N/A	$268.44M	19.38%	$977.34M	38.06	$1.39B	6.94
SLDE	SLIDE INSURANCE HOLDINGS INC	$23.63	N/A	N/A	5.08x	6.15x	1.96x	2.31x	N/A	$1.03B	37.93%	$1.19B	10.35	$977.76M	1.31
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	$54.78	$35.35	54.97%	12.39x	10.69x	1.41x	1.92x	1.03x	$402.17M	16.49%	$1.27B	28.47	$2.57B	9.68
ASIC	ATEGRITY SPECIALTY INSURANCE CO HOLDINGS	$26.75	$15.37	73.99%	11.94x	11.65x	2.48x	1.93x	1.48x	$173.22M	13.49%	$664.39M	13.84	$1.25B	9.11
AII	AMERICAN INTEGRITY INSURANCE GROUP INC	$25.84	N/A	N/A	5.85x	6.76x	1.51x	1.37x	N/A	$163.64M	32.33%	$369.52M	18.87	$195.90M	1.58
HMN	HORACE MANN EDUCATORS CORP	$44.94	$32.46	38.44%	10.38x	9.24x	1.05x	1.21x	1.01x	$566.10M	30.80%	$1.50B	36.75	$2.37B	8.42
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	$2,013.04	N/A	N/A	4.61x	14.87x	1.20x	0.89x	N/A	$388.20M	8.08%	$5.39B	2,257.62	$5.61B	4.14
STC	STEWART INFORMATION SERVICES CORP	$50.66	$46.25	9.52%	10.92x	9.19x	0.48x	0.93x	0.58x	$147.16M	9.54%	$1.66B	54.65	$2.06B	7.70
DGICA	DONEGAL GROUP INC	$18.17	$9.25	96.50%	9.27x	9.80x	0.70x	1.01x	14.12x	$58.39M	8.66%	$666.11M	17.95	$685.73M	7.49
THG	HANOVER INSURANCE GROUP INC	$216.94	N/A	N/A	10.17x	10.59x	1.12x	2.06x	N/A	$1.25B	16.50%	$3.67B	104.93	$8.13B	8.05
AFG	AMERICAN FINANCIAL GROUP INC	$138.08	$65.08	112.18%	12.07x	11.08x	1.38x	2.37x	3.00x	$1.44B	12.55%	$4.82B	58.08	$11.83B	8.56
L	LOEWS CORP	$105.05	$49.64	111.61%	12.86x	N/A	1.15x	1.12x	2.40x	$1.77B	8.18%	$19.12B	93.02	$29.90B	9.19
PLMR	PALOMAR HOLDINGS INC	$125.93	$78.88	59.65%	16.42x	12.25x	3.04x	3.38x	0.82x	$408.28M	12.31%	$980.94M	37.23	$3.55B	12.65
HCI	HCI GROUP INC	$181.39	N/A	N/A	7.54x	9.47x	2.37x	2.09x	N/A	$409.37M	18.14%	$1.08B	86.82	$1.45B	3.29
TRV	TRAVELERS COMPANIES INC	$361.64	N/A	N/A	9.56x	10.54x	1.55x	2.28x	N/A	$11.03B	14.48%	$33.12B	157.34	$83.88B	7.77
CNA	CNA FINANCIAL CORP	$45.88	N/A	N/A	10.06x	10.82x	0.82x	1.11x	N/A	$2.27B	18.24%	$11.19B	41.29	$15.05B	8.47
SIGI	SELECTIVE INSURANCE GROUP INC	$84.90	$41.11	106.54%	10.46x	10.27x	0.92x	1.38x	5.65x	$1.19B	23.51%	$3.66B	61.49	$5.95B	8.30
RLI	RLI CORP	$56.18	N/A	N/A	11.75x	19.44x	2.62x	2.94x	N/A	$517.02M	10.01%	$1.75B	19.06	$5.42B	9.57
NODK	NI HOLDINGS INC	$14.99	N/A	N/A	39.45x	N/A	1.17x	1.23x	N/A	-$32.21M	-10.33%	$249.38M	11.98	$254.26M	21.32
CINF	CINCINNATI FINANCIAL CORP	$162.15	N/A	N/A	7.57x	18.99x	1.78x	1.49x	N/A	$3.40B	13.66%	$16.67B	108.62	$24.01B	5.50
PGR	PROGRESSIVE CORP	$210.96	N/A	N/A	10.55x	11.56x	1.35x	3.57x	N/A	$16.01B	13.02%	$34.33B	58.89	$130.84B	8.50
ROOT	ROOT INC	$46.21	N/A	N/A	12.49x	10.11x	0.46x	2.18x	N/A	$179.20M	24.70%	$327.90M	20.89	$338.94M	3.57
MKL	MARKEL GROUP INC	$1,726.11	N/A	N/A	9.46x	16.16x	1.38x	1.13x	N/A	$2.12B	9.90%	$19.01B	1,533.95	$21.69B	6.25
CB	CHUBB LTD	$331.30	$163.80	102.26%	11.62x	11.61x	2.07x	1.70x	2.76x	$15.38B	12.03%	$75.37B	195.37	$146.97B	9.76
HGTY	HAGERTY INC	$13.46	$4.17	222.67%	84.13x	-188.52x	0.96x	21.47x	1.13x	$278.49M	20.33%	$215.46M	2.12	$4.37B	47.63
WRB	BERKLEY W R CORP	$68.90	$23.82	189.29%	14.09x	13.99x	1.72x	2.60x	11.89x	$3.50B	13.67%	$9.83B	26.49	$25.82B	10.45
OIG	ORION180 INSURANCE GROUP INC	$9.70	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	-$125.01M	-0.64	N/A	N/A
ACIC	AMERICAN COASTAL INSURANCE CORP	$9.25	N/A	N/A	4.47x	8.48x	1.35x	1.28x	N/A	-$31.04M	-6.97%	$340.79M	7.09	$272.56M	1.83
KNSL	KINSALE CAPITAL GROUP INC	$334.53	N/A	N/A	13.51x	15.45x	3.81x	3.74x	N/A	$1.00B	13.15%	$2.04B	89.42	$7.63B	10.44
KMPR	KEMPER CORP	$25.94	N/A	N/A	-3.10x	12.67x	0.33x	0.70x	N/A	$399.20M	26.12%	$2.19B	37.22	$2.39B	-5.92
LMND	LEMONADE INC	$46.76	N/A	N/A	-25.69x	-24.72x	3.69x	7.25x	N/A	$8.10M	0.22%	$499.50M	6.49	$3.45B	-28.19
GBLI	GLOBAL INDEMNITY GROUP LLC	$24.64	$20.29	21.42%	10.44x	9.00x	0.78x	0.51x	0.74x	-$34.02M	-9.60%	$710.91M	49.44	$270.88M	5.29
BOW	BOWHEAD SPECIALTY HOLDINGS INC	$33.80	$16.59	103.78%	17.88x	16.69x	1.81x	2.35x	1.22x	$328.81M	29.58%	$473.94M	14.41	$1.10B	12.21
PRHI	PRESURANCE HOLDINGS INC	$6.70	N/A	N/A	-0.65x	N/A	0.78x	0.90x	N/A	-$46.06M	-183.49%	$27.75M	7.41	$24.61M	-2.09
SAFT	SAFETY INSURANCE GROUP INC	$103.81	$25.62	305.22%	22.32x	21.43x	1.17x	1.74x	6.57x	$175.72M	11.66%	$876.65M	60.37	$1.52B	16.20

Property & Casualty Insurance Stocks FAQ

What are the best property & casualty insurance stocks to buy right now in Oct 2026?

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 +28.5% per year. Learn more.

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

Kingstone Companies (NASDAQ:KINS) has a Due Diligence Score of 44, which is 8 points higher than the property & casualty insurance industry average of 36.

KINS passed 18 out of 38 due diligence checks and has strong fundamentals. Kingstone Companies has seen its stock return 25.28% over the past year, overperforming other property & casualty insurance stocks by 21 percentage points.

2. Mercury General (NYSE:MCY)

Mercury General (NYSE:MCY) is the #2 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 +28.5% per year. Learn more.

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

Mercury General (NYSE:MCY) has a Due Diligence Score of 39, which is 3 points higher than the property & casualty insurance industry average of 36.

MCY passed 15 out of 38 due diligence checks and has average fundamentals. Mercury General has seen its stock return 19.64% over the past year, overperforming other property & casualty insurance stocks by 15 percentage points.

3. Heritage Insurance Holdings (NYSE:HRTG)

Heritage Insurance Holdings (NYSE:HRTG) 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 +17.17% per year. Learn more.

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

Heritage Insurance Holdings (NYSE:HRTG) has a Due Diligence Score of 39, which is 3 points higher than the property & casualty insurance industry average of 36.

HRTG passed 16 out of 38 due diligence checks and has average fundamentals. Heritage Insurance Holdings has seen its stock return 42.86% over the past year, overperforming other property & casualty insurance stocks by 38 percentage points.

Heritage Insurance Holdings has an average 1 year price target of $36.50, an upside of 7.89% from Heritage Insurance Holdings's current stock price of $33.83.

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.

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

Out of 29 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 8.5%, which is 6 percentage points higher than the property & casualty insurance industry average of 2.84%. 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 85.1% indicates that its high dividend yield is sustainable for the long-term.

2. American Coastal Insurance (NASDAQ:ACIC)

American Coastal Insurance (NASDAQ:ACIC) has an annual dividend yield of 8.11%, which is 5 percentage points higher than the property & casualty insurance industry average of 2.84%. American Coastal Insurance's dividend payout is stable, having never dropped by more than 10% in the last 10 years. American Coastal Insurance's dividend has shown consistent growth over the last 10 years.

American Coastal Insurance's dividend payout ratio of 36.2% indicates that its high dividend yield is sustainable for the long-term.

3. Progressive (NYSE:PGR)

Progressive (NYSE:PGR) has an annual dividend yield of 6.59%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.84%. Progressive's dividend payout is not stable, having dropped more than 10% seven times in the last 10 years. Progressive's dividend has not shown consistent growth over the last 10 years.

Progressive's dividend payout ratio of 69.5% 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 1.23% in the last day, and down -0.44% 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 57, which is 25 points higher than the property & casualty insurance industry average of 32. It passed 4 out of 7 valuation due diligence checks.

Kingstone Companies's stock has gained 25.28% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 21 percentage points.

2. Slide Insurance Holdings (NASDAQ:SLDE)

Slide Insurance Holdings (NASDAQ:SLDE) 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.

Slide Insurance Holdings has a valuation score of 29, which is -3 points higher than the property & casualty insurance industry average of 32. It passed 2 out of 7 valuation due diligence checks. Although this number is below the industry average, our proven quant model rates SLDE a Valuation Rating of "B".

Slide Insurance Holdings's stock has gained 58.48% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 54 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 43, which is 11 points higher than the property & casualty insurance industry average of 32. It passed 3 out of 7 valuation due diligence checks.

Heritage Insurance Holdings's stock has gained 42.86% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 38 percentage points.

Are property & casualty insurance stocks a good buy now?

42.86% of property & casualty insurance stocks rated by analysts are a hold right now. On average, analysts expect property & casualty insurance stocks to rise by 13.37% over the next year.

5.56% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 25% of property & casualty insurance stocks are rated B (Buy), 69.44% 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 10.46x.

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. Mercury General (NYSE:MCY)

3. Heritage Insurance Holdings (NYSE:HRTG)

1. Cna Financial (NYSE:CNA)

2. American Coastal Insurance (NASDAQ:ACIC)

3. Progressive (NYSE:PGR)

1. Kingstone Companies (NASDAQ:KINS)

2. Slide Insurance Holdings (NASDAQ:SLDE)

3. Heritage Insurance Holdings (NYSE:HRTG)

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