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 15th 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	$23.01	$34.07	-32.46%	9.06x	7.09x	0.84x	2.17x	0.40x	$73.53M	10.41%	$329.00M	10.72	$392.68M	3.18
KINS	KINGSTONE COMPANIES INC	$14.84	$13.92	6.64%	8.48x	7.81x	1.18x	2.53x	1.22x	$67.05M	33.54%	$82.21M	6.10	$175.72M	5.59
UVE	UNIVERSAL INSURANCE HOLDINGS INC	$26.44	$21.03	25.70%	11.16x	9.98x	0.48x	1.76x	1.17x	$235.98M	31.77%	$422.39M	15.04	$446.35M	4.24
KMPR	KEMPER CORP	$63.08	$48.51	30.02%	11.68x	9.95x	0.86x	1.38x	1.18x	$475.50M	11.78%	$2.92B	45.59	$4.86B	9.99
DGICA	DONEGAL GROUP INC	$18.85	N/A	N/A	9.10x	15.70x	0.68x	1.16x	N/A	$88.37M	12.99%	$584.72M	16.20	$650.93M	7.13
HMN	HORACE MANN EDUCATORS CORP	$42.79	$39.04	9.59%	15.39x	10.67x	1.09x	1.30x	0.63x	$518.40M	29.33%	$1.34B	32.51	$2.26B	11.05
UFCS	UNITED FIRE GROUP INC	$27.87	N/A	N/A	10.68x	11.15x	0.55x	0.87x	N/A	$341.56M	48.27%	$817.66M	32.20	$642.74M	6.29
HGTY	HAGERTY INC	$9.46	$3.91	141.76%	47.30x	29.26x	0.68x	19.84x	1.18x	$140.42M	16.48%	$162.94M	1.81	$3.12B	59.27
THG	HANOVER INSURANCE GROUP INC	$169.63	$121.35	39.79%	13.90x	11.71x	0.97x	2.00x	1.10x	$777.20M	12.73%	$3.04B	84.57	$6.56B	11.18
SAFT	SAFETY INSURANCE GROUP INC	$78.75	$29.56	166.37%	16.07x	N/A	1.01x	1.38x	10.82x	$151.37M	13.06%	$850.67M	57.80	$1.15B	11.23
HCI	HCI GROUP INC	$155.68	$158.66	-1.88%	12.60x	10.02x	2.37x	3.44x	0.60x	$307.01M	17.08%	$522.68M	45.26	$1.27B	6.26
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	$58.60	$30.50	92.16%	18.84x	16.63x	1.94x	2.78x	1.54x	$303.44M	12.88%	$850.72M	21.16	$2.33B	13.80
ALL	ALLSTATE CORP	$198.92	$181.05	9.87%	13.40x	10.93x	0.81x	2.39x	0.70x	$8.97B	16.99%	$22.06B	83.13	$59.92B	9.95
PLMR	PALOMAR HOLDINGS INC	$160.93	$65.65	145.12%	31.25x	24.59x	7.03x	5.44x	1.52x	$309.05M	7.20%	$790.45M	29.65	$4.18B	23.76
ACIC	AMERICAN COASTAL INSURANCE CORP	$10.43	N/A	N/A	6.82x	7.73x	1.66x	1.93x	N/A	$145.35M	28.95%	$260.88M	5.42	$423.69M	3.57
ROOT	ROOT INC	$146.69	N/A	N/A	42.15x	132.75x	1.75x	9.86x	N/A	$196.50M	8.81%	$228.70M	15.05	$1.84B	17.49
MCY	MERCURY GENERAL CORP	$64.49	$87.70	-26.47%	12.50x	-128.98x	0.64x	1.96x	0.38x	$739.46M	20.70%	$1.82B	32.87	$2.88B	6.44
PGR	PROGRESSIVE CORP	$267.85	$108.36	147.18%	18.01x	16.57x	2.00x	5.42x	3.57x	$15.82B	10.08%	$28.95B	49.41	$163.71B	14.15
NODK	NI HOLDINGS INC	$12.18	N/A	N/A	-42.00x	N/A	0.79x	0.99x	N/A	$31.57M	12.33%	$254.00M	12.09	$194.91M	-75.60
L	LOEWS CORP	$88.66	N/A	N/A	14.51x	N/A	1.06x	1.08x	N/A	$2.99B	15.88%	$17.19B	80.92	$26.98B	9.95
TRV	TRAVELERS COMPANIES INC	$263.47	$192.53	36.84%	14.14x	14.33x	1.27x	2.12x	1.03x	$8.98B	15.01%	$28.19B	124.24	$67.00B	11.82
SIGI	SELECTIVE INSURANCE GROUP INC	$85.12	$77.28	10.15%	23.01x	11.72x	1.04x	1.59x	0.53x	$1.23B	23.82%	$3.26B	53.62	$5.97B	16.56
WRB	BERKLEY W R CORP	$73.29	$29.73	146.52%	16.89x	17.22x	2.00x	3.12x	4.43x	$3.61B	12.98%	$8.91B	23.50	$28.98B	12.84
AII	AMERICAN INTEGRITY INSURANCE GROUP INC	$16.46	N/A	N/A	N/A	N/A	N/A	-0.34x	N/A	N/A	N/A	-$948.69M	-7.72	$84.47M	N/A
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	$1,784.26	$351.57	407.51%	165.82x	N/A	2.12x	1.02x	2.15x	$510.10M	11.11%	$4.51B	1,752.17	$4.96B	41.48
BOW	BOWHEAD SPECIALTY HOLDINGS INC	$36.39	$16.57	119.56%	26.96x	22.74x	2.60x	3.04x	1.40x	$296.56M	24.95%	$391.36M	11.98	$1.07B	17.28
CNA	CNA FINANCIAL CORP	$45.64	$37.98	20.18%	13.87x	10.74x	0.86x	1.20x	0.81x	$2.61B	21.10%	$10.28B	37.89	$14.84B	11.15
STC	STEWART INFORMATION SERVICES CORP	$62.73	$74.96	-16.32%	23.67x	13.15x	0.70x	1.25x	0.37x	$94.24M	5.40%	$1.40B	50.32	$2.16B	12.00
CB	CHUBB LTD	$286.79	$174.52	64.33%	13.68x	13.52x	2.04x	1.75x	1.71x	$14.53B	12.64%	$65.73B	164.02	$130.73B	11.55
MKL	MARKEL GROUP INC	$1,928.77	N/A	N/A	14.17x	20.12x	1.57x	1.43x	N/A	$2.12B	8.65%	$17.15B	1,351.91	$24.18B	8.27
CINF	CINCINNATI FINANCIAL CORP	$146.36	N/A	N/A	15.81x	27.70x	2.09x	1.67x	N/A	$2.59B	11.31%	$13.72B	87.77	$22.74B	11.53
KG	KESTREL GROUP LTD	$25.36	N/A	N/A	N/A	N/A	704.44x	N/A	N/A	-$1.27M	-0.04%	$3.79M	0.03	N/A	N/A
AFG	AMERICAN FINANCIAL GROUP INC	$123.87	$79.48	55.84%	13.01x	11.92x	1.25x	2.36x	1.61x	$1.30B	12.49%	$4.39B	52.41	$10.55B	8.97
KNSL	KINSALE CAPITAL GROUP INC	$474.32	$139.12	240.94%	27.12x	26.84x	6.71x	6.98x	3.90x	$963.15M	8.76%	$1.58B	68.32	$11.10B	21.05
LMND	LEMONADE INC	$40.47	N/A	N/A	-13.36x	-14.62x	5.28x	5.44x	N/A	-$38.00M	-1.29%	$545.50M	7.48	$2.75B	-13.70
RLI	RLI CORP	$73.06	$17.25	323.59%	23.80x	24.58x	3.87x	4.18x	78.39x	$588.13M	8.77%	$1.60B	17.48	$6.78B	18.83
PRA	PROASSURANCE CORP	$22.92	$8.31	175.92%	27.95x	25.58x	1.03x	0.95x	2.13x	$228.00k	0.02%	$1.23B	24.10	$1.57B	17.57
ASIC	ATEGRITY SPECIALTY HOLDINGS LLC	$23.66	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$426.82M	0.99	N/A	N/A
GBLI	GLOBAL INDEMNITY GROUP LLC	$32.50	$11.93	172.37%	16.17x	15.93x	1.03x	0.68x	13.37x	$18.56M	4.12%	$687.05M	49.55	$392.64M	9.46
CNFR	CONIFER HOLDINGS INC	$0.79	$72.83	-98.92%	0.40x	N/A	0.13x	0.38x	0.00x	-$56.11M	-583.35%	$25.59M	2.09	$11.33M	0.39

Property & Casualty Insurance Stocks FAQ

What are the best property & casualty insurance stocks to buy right now in Jun 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 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 Heritage Insurance Holdings (NYSE:HRTG) is: Value: A, Growth: C, Momentum: A, Sentiment: A, Safety: C, Financials: C, and AI: C.

Heritage Insurance Holdings (NYSE:HRTG) has a Due Diligence Score of 40, which is 5 points higher than the property & casualty insurance industry average of 35.

HRTG passed 16 out of 38 due diligence checks and has average fundamentals. Heritage Insurance Holdings has seen its stock return 196.14% over the past year, overperforming other property & casualty insurance stocks by 176 percentage points.

Heritage Insurance Holdings has an average 1 year price target of $29.00, an upside of 26.03% from Heritage Insurance Holdings's current stock price of $23.01.

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 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: C, Safety: C, Financials: B, and AI: C.

Kingstone Companies (NASDAQ:KINS) has a Due Diligence Score of 42, which is 7 points higher than the property & casualty insurance industry average of 35.

KINS passed 18 out of 38 due diligence checks and has strong fundamentals. Kingstone Companies has seen its stock return 212.42% over the past year, overperforming other property & casualty insurance stocks by 193 percentage points.

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

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 "A".

UVE passed 11 out of 38 due diligence checks and has average fundamentals. Universal Insurance Holdings has seen its stock return 42% over the past year, overperforming other property & casualty insurance stocks by 22 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 8.33%, which is 6 percentage points higher than the property & casualty insurance industry average of 2.39%. 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 6.71%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.39%. 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 4.57%, which is 2 percentage points higher than the property & casualty insurance industry average of 2.39%. 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 -0.54% in the last day, and down -2.24% 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. 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 37 points higher than the property & casualty insurance industry average of 34. It passed 5 out of 7 valuation due diligence checks.

Heritage Insurance Holdings's stock has gained 196.14% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 176 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 A. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

Kingstone Companies has a valuation score of 29, which is -5 points higher than the property & casualty insurance industry average of 34. It passed 2 out of 7 valuation due diligence checks. Although this number is below the industry average, our proven quant model rates KINS a Valuation Rating of "A".

Kingstone Companies's stock has gained 212.42% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 193 percentage points.

3. American Integrity Insurance Group (NYSE:AII)

American Integrity Insurance Group (NYSE:AII) 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 Integrity Insurance Group has a valuation score of 0, which is -34 points higher than the property & casualty insurance industry average of 34. It passed 0 out of 7 valuation due diligence checks. Although this number is below the industry average, our proven quant model rates AII a Valuation Rating of "B".

Are property & casualty insurance stocks a good buy now?

41.38% of property & casualty insurance stocks rated by analysts are a buy right now. On average, analysts expect property & casualty insurance stocks to rise by 6.85% over the next year.

16.67% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 22.22% of property & casualty insurance stocks are rated B (Buy), 52.78% are rated C (Hold), 8.33% 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 17.2x.

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 Integrity Insurance Group (NYSE:AII)

Company

Stock Tools

Stock Ideas