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 7th 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	$14.91	$16.85	-11.54%	6.93x	6.64x	1.12x	2.22x	1.29x	$69.13M	33.29%	$94.88M	6.81	$182.18M	4.68
ALL	ALLSTATE CORP	$191.25	$146.96	30.14%	8.87x	7.83x	0.76x	2.10x	3.39x	$8.54B	16.87%	$24.02B	90.78	$57.49B	6.91
UVE	UNIVERSAL INSURANCE HOLDINGS INC	$31.07	N/A	N/A	7.09x	6.64x	0.55x	1.76x	N/A	$249.86M	28.87%	$495.04M	17.78	$504.54M	2.89
HMN	HORACE MANN EDUCATORS CORP	$44.25	$41.33	7.08%	13.01x	9.75x	1.11x	1.32x	0.77x	$609.50M	33.35%	$1.36B	32.94	$2.31B	9.75
HRTG	HERITAGE INSURANCE HOLDINGS INC	$23.23	$30.73	-24.40%	9.15x	5.30x	0.85x	2.19x	0.54x	$73.53M	10.31%	$329.00M	10.72	$399.50M	3.23
HCI	HCI GROUP INC	$202.18	$133.03	51.98%	16.36x	12.48x	3.07x	4.47x	1.24x	$307.01M	13.15%	$522.68M	45.26	$1.80B	8.92
THG	HANOVER INSURANCE GROUP INC	$170.75	N/A	N/A	9.71x	9.53x	0.94x	1.77x	N/A	$1.00B	16.42%	$3.43B	95.71	$6.44B	7.74
STC	STEWART INFORMATION SERVICES CORP	$68.63	$52.85	29.86%	21.72x	15.37x	0.73x	1.34x	0.74x	$122.21M	6.37%	$1.44B	51.48	$2.32B	11.70
MCY	MERCURY GENERAL CORP	$76.23	N/A	N/A	10.83x	16.77x	0.73x	2.14x	N/A	$842.97M	19.96%	$1.97B	35.56	$3.69B	6.38
ACIC	AMERICAN COASTAL INSURANCE CORP	$11.74	N/A	N/A	7.67x	8.53x	1.87x	2.18x	N/A	$145.35M	25.72%	$260.88M	5.42	$487.04M	4.10
UFCS	UNITED FIRE GROUP INC	$30.53	N/A	N/A	8.43x	9.88x	0.59x	0.92x	N/A	$291.61M	37.50%	$845.67M	33.20	$693.28M	5.11
HGTY	HAGERTY INC	$11.29	$3.71	204.56%	56.45x	33.72x	0.79x	22.41x	1.66x	$131.53M	12.84%	$172.28M	1.90	$3.72B	62.73
SLDE	SLIDE INSURANCE HOLDINGS INC	$16.12	N/A	N/A	N/A	6.19x	N/A	2.33x	N/A	N/A	N/A	$868.06M	6.92	$651.92M	N/A
CINF	CINCINNATI FINANCIAL CORP	$153.66	N/A	N/A	11.31x	21.48x	1.98x	1.56x	N/A	$2.79B	11.64%	$15.41B	98.75	$23.40B	8.32
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	$45.02	$38.19	17.87%	13.73x	11.88x	1.45x	2.03x	0.88x	$372.09M	20.44%	$899.92M	22.25	$1.77B	9.94
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	$1,899.87	$1.18k	61.22%	23.82x	13.93x	1.99x	1.05x	0.99x	$470.80M	9.62%	$4.64B	1,803.58	$5.25B	16.98
KMPR	KEMPER CORP	$43.60	$43.46	0.33%	8.13x	7.68x	0.57x	0.93x	1.34x	$552.80M	20.21%	$2.95B	47.07	$3.50B	7.76
SAFT	SAFETY INSURANCE GROUP INC	$68.23	$57.86	17.92%	13.92x	11.15x	0.87x	1.19x	0.87x	$151.37M	15.07%	$850.67M	57.80	$996.15M	9.70
AII	AMERICAN INTEGRITY INSURANCE GROUP INC	$23.50	N/A	N/A	N/A	4.57x	N/A	1.52x	N/A	N/A	N/A	$301.87M	17.80	$185.50M	N/A
TRV	TRAVELERS COMPANIES INC	$267.66	$179.14	49.41%	10.37x	10.51x	1.24x	1.89x	3.51x	$9.99B	16.65%	$31.61B	141.05	$68.24B	8.87
CNA	CNA FINANCIAL CORP	$44.05	$42.72	3.10%	12.00x	9.18x	0.80x	1.05x	0.77x	$2.53B	21.16%	$11.32B	41.76	$14.91B	10.19
PLMR	PALOMAR HOLDINGS INC	$113.72	$75.44	50.74%	19.41x	15.45x	4.46x	3.60x	1.03x	$374.63M	12.31%	$847.20M	31.66	$2.96B	14.64
CB	CHUBB LTD	$278.25	$203.87	36.49%	11.51x	11.40x	1.87x	1.52x	1.65x	$13.32B	12.16%	$71.86B	182.58	$128.06B	9.83
ASIC	ATEGRITY SPECIALTY INSURANCE CO HOLDINGS	$18.70	N/A	N/A	N/A	13.24x	N/A	1.61x	N/A	N/A	N/A	$559.69M	13.30	$875.32M	N/A
ROOT	ROOT INC	$80.79	N/A	N/A	15.07x	37.84x	0.91x	5.10x	N/A	$184.60M	14.84%	$244.50M	15.88	$805.59M	6.35
RLI	RLI CORP	$58.66	N/A	N/A	15.24x	17.20x	2.90x	2.87x	N/A	$581.29M	10.79%	$1.87B	20.41	$5.43B	12.00
L	LOEWS CORP	$99.42	$46.38	114.36%	14.39x	N/A	1.13x	1.12x	6.15x	$3.04B	14.74%	$18.29B	88.12	$29.42B	10.27
PGR	PROGRESSIVE CORP	$203.70	N/A	N/A	11.14x	11.28x	1.40x	3.37x	N/A	$17.13B	14.34%	$35.45B	60.44	$126.16B	8.95
SIGI	SELECTIVE INSURANCE GROUP INC	$74.02	$62.19	19.02%	11.32x	10.37x	0.86x	1.28x	1.15x	$1.15B	25.78%	$3.49B	57.77	$5.35B	9.11
LMND	LEMONADE INC	$61.54	N/A	N/A	-21.82x	-23.46x	7.52x	8.63x	N/A	-$21.40M	-0.47%	$527.10M	7.18	$4.28B	-22.72
MKL	MARKEL GROUP INC	$1,955.11	N/A	N/A	12.19x	19.51x	1.56x	1.37x	N/A	$2.38B	9.63%	$18.04B	1,430.64	$24.32B	7.55
DGICA	DONEGAL GROUP INC	$18.50	N/A	N/A	7.68x	8.35x	0.68x	1.12x	N/A	$78.82M	11.67%	$605.67M	16.59	$652.97M	6.11
WRB	BERKLEY W R CORP	$71.78	$30.35	136.49%	14.99x	16.51x	1.86x	2.78x	11.26x	$3.33B	12.21%	$9.80B	25.79	$27.75B	11.02
BOW	BOWHEAD SPECIALTY HOLDINGS INC	$24.35	$16.41	48.40%	15.92x	15.14x	1.62x	1.96x	1.21x	$333.27M	41.83%	$407.81M	12.46	$631.97M	9.07
KNSL	KINSALE CAPITAL GROUP INC	$388.45	$129.83	199.19%	18.98x	20.27x	4.99x	4.84x	14.08x	$961.45M	10.69%	$1.87B	80.54	$9.07B	14.76
AFG	AMERICAN FINANCIAL GROUP INC	$130.38	$87.47	49.05%	14.33x	13.33x	1.31x	2.41x	1.41x	$1.55B	14.27%	$4.52B	54.08	$11.08B	9.75
GBLI	GLOBAL INDEMNITY GROUP LLC	$29.50	$25.49	15.75%	15.21x	14.53x	0.95x	0.60x	0.78x	$1.68M	0.40%	$704.14M	49.25	$356.12M	8.45
PRHI	PRESURANCE HOLDINGS INC	$1.46	$47.56	-96.93%	0.59x	28.63x	0.28x	0.63x	0.02x	-$48.74M	-273.15%	$28.21M	2.31	$7.95M	0.23
PRA	PROASSURANCE CORP	$23.93	$9.23	159.27%	25.19x	20.11x	1.09x	0.96x	2.42x	-$13.28M	-1.08%	$1.28B	24.84	$1.63B	16.66
NODK	NI HOLDINGS INC	$13.26	N/A	N/A	165.75x	N/A	0.90x	1.13x	N/A	$19.57M	7.01%	$243.32M	11.57	$217.37M	62.27

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 34.69% over the past year, overperforming other property & casualty insurance stocks by 23 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: A, 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 4.87% over the past year, underperforming other property & casualty insurance stocks by -7 percentage points.

Allstate has an average 1 year price target of $217.91, an upside of 13.94% from Allstate's current stock price of $191.25.

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 59.33% 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 8.67%, which is 6 percentage points higher than the property & casualty insurance industry average of 2.41%. 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 6.5%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.41%. 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 5.31%, which is 3 percentage points higher than the property & casualty insurance industry average of 2.41%. 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 -0.64% in the last day, and down -0.88% 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. 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 26 points higher than the property & casualty insurance industry average of 31. It passed 4 out of 7 valuation due diligence checks.

Kingstone Companies's stock has gained 34.69% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 23 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 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 26 points higher than the property & casualty insurance industry average of 31. It passed 4 out of 7 valuation due diligence checks.

Heritage Insurance Holdings's stock has gained 133.7% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 122 percentage points.

3. Kemper (NYSE:KMPR)

Kemper (NYSE:KMPR) 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.

Kemper has a valuation score of 43, which is 12 points higher than the property & casualty insurance industry average of 31. It passed 3 out of 7 valuation due diligence checks.

Kemper's stock has dropped -30.37% in the past year. It has underperformed other stocks in the property & casualty insurance industry by -42 percentage points.

Are property & casualty insurance stocks a good buy now?

32.14% of property & casualty insurance stocks rated by analysts are a strong buy right now. On average, analysts expect property & casualty insurance stocks to rise by 16.97% 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 11.86x.

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. Heritage Insurance Holdings (NYSE:HRTG)

3. Kemper (NYSE:KMPR)

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