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 +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 27th 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
UVE	UNIVERSAL INSURANCE HOLDINGS INC	$31.16	N/A	N/A	7.11x	9.24x	0.55x	1.77x	N/A	$249.86M	28.79%	$495.04M	17.78	$507.07M	2.91
HCI	HCI GROUP INC	$157.34	N/A	N/A	9.12x	9.55x	2.50x	2.48x	N/A	$404.26M	19.83%	$821.78M	63.41	$1.12B	3.71
MCY	MERCURY GENERAL CORP	$88.59	$61.80	43.35%	11.17x	10.44x	0.84x	2.20x	1.97x	$1.03B	20.89%	$2.23B	40.30	$4.24B	6.62
HRTG	HERITAGE INSURANCE HOLDINGS INC	$26.56	N/A	N/A	5.50x	6.06x	0.98x	1.88x	N/A	$107.49M	13.07%	$437.25M	14.12	$348.94M	1.58
THG	HANOVER INSURANCE GROUP INC	$174.50	N/A	N/A	9.92x	10.24x	0.96x	1.81x	N/A	$1.00B	16.07%	$3.43B	95.71	$6.57B	7.90
HMN	HORACE MANN EDUCATORS CORP	$44.88	$44.36	1.18%	11.25x	9.51x	1.10x	1.27x	0.76x	$616.80M	33.36%	$1.44B	34.98	$2.37B	8.89
STC	STEWART INFORMATION SERVICES CORP	$68.33	$66.32	3.03%	18.72x	11.75x	0.69x	1.30x	0.55x	$129.23M	6.75%	$1.47B	52.62	$2.30B	10.63
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	$44.82	$47.59	-5.81%	12.81x	9.26x	1.36x	1.89x	0.59x	$373.38M	20.58%	$961.42M	23.75	$1.74B	9.07
ALL	ALLSTATE CORP	$200.76	N/A	N/A	6.41x	8.18x	0.79x	1.91x	N/A	$8.64B	16.35%	$27.51B	104.54	$59.69B	5.12
SLDE	SLIDE INSURANCE HOLDINGS INC	$17.03	N/A	N/A	N/A	5.82x	N/A	2.20x	N/A	N/A	N/A	$964.22M	7.70	$759.42M	N/A
HGTY	HAGERTY INC	$12.68	$6.05	109.50%	36.23x	27.57x	0.90x	20.49x	1.14x	$154.70M	12.69%	$211.65M	2.20	$4.22B	57.39
CINF	CINCINNATI FINANCIAL CORP	$162.48	N/A	N/A	11.96x	18.62x	2.10x	1.65x	N/A	$2.79B	11.01%	$15.41B	98.75	$24.77B	8.81
PLMR	PALOMAR HOLDINGS INC	$124.22	$102.99	20.61%	18.79x	14.10x	4.25x	3.75x	0.70x	$358.14M	10.82%	$878.11M	32.97	$3.18B	13.76
CNA	CNA FINANCIAL CORP	$48.35	$55.86	-13.45%	13.17x	9.97x	0.88x	1.16x	0.51x	$2.53B	19.28%	$11.32B	41.76	$16.07B	10.99
UFCS	UNITED FIRE GROUP INC	$36.43	N/A	N/A	8.32x	9.85x	0.69x	1.03x	N/A	$328.05M	35.31%	$898.71M	35.24	$841.88M	5.25
AII	AMERICAN INTEGRITY INSURANCE GROUP INC	$19.00	N/A	N/A	N/A	6.87x	N/A	1.18x	N/A	N/A	N/A	$315.88M	16.14	$189.38M	N/A
ACIC	AMERICAN COASTAL INSURANCE CORP	$11.22	N/A	N/A	6.38x	7.46x	1.66x	1.67x	N/A	$120.27M	22.02%	$327.22M	6.72	$340.47M	2.56
KINS	KINGSTONE COMPANIES INC	$15.53	$17.31	-10.29%	6.72x	6.34x	1.10x	2.04x	1.39x	$73.36M	33.40%	$107.65M	7.61	$197.69M	4.62
SAFT	SAFETY INSURANCE GROUP INC	$79.04	$70.71	11.78%	13.42x	11.07x	0.95x	1.31x	0.78x	$170.81M	14.66%	$899.55M	61.01	$1.16B	9.75
L	LOEWS CORP	$105.78	$45.47	132.62%	15.31x	N/A	1.20x	1.20x	6.54x	$3.04B	13.85%	$18.29B	88.12	$30.74B	10.72
ASIC	ATEGRITY SPECIALTY INSURANCE CO HOLDINGS	$18.18	N/A	N/A	N/A	9.66x	N/A	1.48x	N/A	N/A	N/A	$588.56M	12.25	$839.53M	N/A
SIGI	SELECTIVE INSURANCE GROUP INC	$84.64	$83.94	0.83%	12.94x	10.43x	0.98x	1.47x	0.66x	$1.15B	22.54%	$3.49B	57.77	$5.99B	10.20
DGICA	DONEGAL GROUP INC	$18.94	N/A	N/A	7.70x	9.08x	0.70x	1.11x	N/A	$88.44M	12.75%	$627.44M	17.12	$690.42M	6.21
CB	CHUBB LTD	$311.25	$183.93	69.22%	12.87x	11.47x	2.09x	1.70x	2.50x	$13.32B	10.87%	$71.86B	182.58	$141.05B	10.82
TRV	TRAVELERS COMPANIES INC	$285.63	$163.24	74.98%	11.07x	10.54x	1.32x	2.02x	6.76x	$9.99B	15.60%	$31.61B	141.05	$72.25B	9.39
RLI	RLI CORP	$58.74	N/A	N/A	15.26x	19.28x	2.91x	2.88x	N/A	$581.29M	10.77%	$1.87B	20.41	$5.44B	12.01
MKL	MARKEL GROUP INC	$2,033.99	N/A	N/A	12.69x	18.07x	1.63x	1.42x	N/A	$2.38B	9.26%	$18.04B	1,430.64	$25.32B	7.86
LMND	LEMONADE INC	$80.57	N/A	N/A	-33.85x	-48.47x	9.08x	11.66x	N/A	-$32.90M	-0.55%	$516.20M	6.96	$5.80B	-36.10
KNSL	KINSALE CAPITAL GROUP INC	$393.22	$155.15	153.44%	19.21x	18.73x	5.05x	4.90x	3.79x	$961.45M	10.56%	$1.87B	80.54	$9.18B	14.94
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	$2,056.36	$2.14k	-3.99%	37.91x	17.70x	2.11x	1.10x	0.41x	$560.70M	10.68%	$4.77B	1,867.37	$5.68B	22.04
PGR	PROGRESSIVE CORP	$203.04	N/A	N/A	11.11x	12.49x	1.40x	3.36x	N/A	$17.13B	14.39%	$35.45B	60.44	$125.77B	8.92
WRB	BERKLEY W R CORP	$67.77	$31.87	112.65%	14.15x	14.55x	1.76x	2.63x	5.58x	$3.33B	12.93%	$9.80B	25.79	$26.22B	10.41
BOW	BOWHEAD SPECIALTY HOLDINGS INC	$25.10	$21.86	14.83%	15.49x	12.49x	1.58x	1.91x	0.73x	$328.30M	39.90%	$431.04M	13.15	$572.08M	7.91
AFG	AMERICAN FINANCIAL GROUP INC	$130.14	$98.48	32.14%	13.67x	11.33x	1.31x	2.29x	1.08x	$1.30B	11.96%	$4.73B	56.72	$10.83B	9.22
KMPR	KEMPER CORP	$38.98	$52.27	-25.43%	10.07x	7.97x	0.47x	0.84x	0.47x	$559.50M	24.52%	$2.73B	46.67	$3.12B	10.45
ROOT	ROOT INC	$63.84	N/A	N/A	17.93x	28.76x	0.68x	3.74x	N/A	$191.30M	19.46%	$265.00M	17.21	$536.09M	5.81
PRA	PROASSURANCE CORP	$24.45	$14.89	64.23%	37.05x	23.61x	1.12x	0.96x	0.80x	$697.00k	0.06%	$1.30B	25.37	$1.64B	20.51
GBLI	GLOBAL INDEMNITY GROUP LLC	$28.63	$55.41	-48.33%	14.76x	8.33x	0.93x	0.58x	0.24x	$1.68M	0.41%	$704.14M	49.25	$343.66M	8.16
PRHI	PRESURANCE HOLDINGS INC	$0.72	N/A	N/A	-0.33x	N/A	0.16x	0.35x	N/A	-$38.70M	-439.72%	$25.30M	2.07	$13.51M	-0.57
NODK	NI HOLDINGS INC	$13.51	N/A	N/A	103.92x	N/A	0.95x	1.14x	N/A	-$7.13M	-2.51%	$243.80M	11.61	$253.73M	49.97

Property & Casualty Insurance Stocks FAQ

What are the best property & casualty insurance stocks to buy right now in Feb 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. Universal Insurance Holdings (NYSE:UVE)

Universal Insurance Holdings (NYSE:UVE) 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 Universal Insurance Holdings (NYSE:UVE) is: Value: A, Growth: C, Momentum: C, Sentiment: A, Safety: C, Financials: B, and AI: A.

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

UVE passed 14 out of 38 due diligence checks and has average fundamentals. Universal Insurance Holdings has seen its stock return 60.12% over the past year, overperforming other property & casualty insurance stocks by 52 percentage points.

Universal Insurance Holdings has an average 1 year price target of $40.00, an upside of 28.37% from Universal Insurance Holdings's current stock price of $31.16.

Universal Insurance Holdings stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 1 analyst covering Universal 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. Hci Group (NYSE:HCI)

Hci Group (NYSE:HCI) 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 Hci Group (NYSE:HCI) is: Value: B, Growth: A, Momentum: C, Sentiment: C, Safety: C, Financials: B, and AI: A.

Hci Group (NYSE:HCI) has a Due Diligence Score of 50, which is 14 points higher than the property & casualty insurance industry average of 36.

HCI passed 19 out of 38 due diligence checks and has strong fundamentals. Hci Group has seen its stock return 29.14% over the past year, overperforming other property & casualty insurance stocks by 21 percentage points.

Hci Group has an average 1 year price target of $245.00, an upside of 55.71% from Hci Group's current stock price of $157.34.

Hci Group stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 2 analysts covering Hci Group, 50% have issued a Strong Buy rating, 50% have issued a Buy, 0% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

3. Mercury General (NYSE:MCY)

Mercury General (NYSE:MCY) 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 Mercury General (NYSE:MCY) is: Value: C, Growth: C, Momentum: B, Sentiment: B, Safety: C, Financials: C, and AI: B.

Mercury General (NYSE:MCY) has a Due Diligence Score of 30, which is -6 points lower than the property & casualty insurance industry average of 36. Although this number is below the industry average, our proven quant model rates MCY as a "B".

MCY passed 11 out of 38 due diligence checks and has average fundamentals. Mercury General has seen its stock return 78.29% over the past year, overperforming other property & casualty insurance stocks by 71 percentage points.

Mercury General has an average 1 year price target of $100.00, an upside of 12.88% from Mercury General's current stock price of $88.59.

Mercury General stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 1 analyst covering Mercury General, 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 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 7.94%, which is 5 percentage points higher than the property & casualty insurance industry average of 2.79%. 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 not 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. Progressive (NYSE:PGR)

Progressive (NYSE:PGR) has an annual dividend yield of 6.85%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.79%. Progressive's dividend payout is not stable, having dropped more than 10% seven times in the last 10 years. Progressive's dividend has shown consistent growth over the last 10 years.

Progressive's dividend payout ratio of 26.8% indicates that its high dividend yield is sustainable for the long-term.

3. American Coastal Insurance (NASDAQ:ACIC)

American Coastal Insurance (NASDAQ:ACIC) has an annual dividend yield of 6.68%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.79%. 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 28.4% 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 0.06% in the last day, and down -0.09% 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. 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 43, which is 8 points higher than the property & casualty insurance industry average of 35. It passed 3 out of 7 valuation due diligence checks.

Heritage Insurance Holdings's stock has gained 140.36% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 133 percentage points.

2. Allstate (NYSE:ALL)

Allstate (NYSE:ALL) 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.

Allstate has a valuation score of 43, which is 8 points higher than the property & casualty insurance industry average of 35. It passed 3 out of 7 valuation due diligence checks.

Allstate's stock has gained 4.57% in the past year. It has underperformed other stocks in the property & casualty insurance industry by -3 percentage points.

3. Universal Insurance Holdings (NYSE:UVE)

Universal Insurance Holdings (NYSE:UVE) is the third 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.

Universal Insurance Holdings has a valuation score of 43, which is 8 points higher than the property & casualty insurance industry average of 35. It passed 3 out of 7 valuation due diligence checks.

Universal Insurance Holdings's stock has gained 60.12% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 52 percentage points.

Are property & casualty insurance stocks a good buy now?

42.86% of property & casualty insurance stocks rated by analysts are a buy right now. On average, analysts expect property & casualty insurance stocks to rise by 16.64% over the next year.

5.41% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 24.32% of property & casualty insurance stocks are rated B (Buy), 64.86% are rated C (Hold), 5.41% 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 11.81x.

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.