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 9th 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	$13.77	N/A	N/A	6.40x	6.89x	1.03x	2.05x	N/A	$69.13M	36.05%	$94.88M	6.81	$166.06M	4.26
HCI	HCI GROUP INC	$180.80	$196.00	-7.76%	14.63x	11.08x	2.75x	3.99x	0.56x	$307.01M	14.70%	$522.68M	45.26	$1.56B	7.70
THG	HANOVER INSURANCE GROUP INC	$180.37	$108.22	66.67%	11.68x	11.51x	1.01x	2.01x	4.29x	$844.80M	13.05%	$3.22B	89.59	$6.99B	9.54
ALL	ALLSTATE CORP	$200.39	$145.61	37.62%	9.29x	9.46x	0.80x	2.20x	4.53x	$8.54B	16.10%	$24.02B	90.78	$59.90B	7.20
HRTG	HERITAGE INSURANCE HOLDINGS INC	$24.59	$63.30	-61.15%	9.68x	6.00x	0.90x	2.32x	0.19x	$73.53M	9.74%	$329.00M	10.72	$441.65M	3.57
MCY	MERCURY GENERAL CORP	$79.36	N/A	N/A	11.27x	17.64x	0.76x	2.23x	N/A	$842.97M	19.18%	$1.97B	35.56	$3.86B	6.68
HMN	HORACE MANN EDUCATORS CORP	$47.59	$39.20	21.41%	14.00x	11.32x	1.19x	1.42x	0.96x	$609.50M	31.01%	$1.36B	32.94	$2.44B	10.32
UVE	UNIVERSAL INSURANCE HOLDINGS INC	$25.39	$22.55	12.62%	10.67x	9.58x	0.45x	1.57x	1.16x	$269.55M	37.95%	$457.81M	16.37	$384.13M	3.71
ACIC	AMERICAN COASTAL INSURANCE CORP	$11.03	N/A	N/A	7.21x	8.17x	1.76x	2.04x	N/A	$145.35M	27.38%	$260.88M	5.42	$452.70M	3.81
STC	STEWART INFORMATION SERVICES CORP	$74.47	$68.55	8.64%	23.57x	15.61x	0.79x	1.45x	0.57x	$122.21M	5.87%	$1.44B	51.48	$2.48B	12.53
UFCS	UNITED FIRE GROUP INC	$31.65	N/A	N/A	8.74x	10.45x	0.61x	0.95x	N/A	$291.61M	36.17%	$845.67M	33.20	$721.83M	5.32
HGTY	HAGERTY INC	$12.52	$4.50	178.27%	62.60x	38.32x	0.87x	24.85x	1.44x	$131.53M	11.58%	$172.28M	1.90	$4.15B	69.81
PGR	PROGRESSIVE CORP	$248.28	N/A	N/A	13.95x	14.05x	1.77x	4.46x	N/A	$16.56B	11.38%	$32.60B	55.62	$152.30B	11.11
SLDE	SLIDE INSURANCE HOLDINGS INC	$14.40	N/A	N/A	N/A	5.88x	N/A	2.08x	N/A	N/A	N/A	$868.06M	6.92	$436.07M	N/A
TRV	TRAVELERS COMPANIES INC	$278.93	$180.93	54.17%	12.16x	12.98x	1.32x	2.13x	2.42x	$9.63B	15.29%	$29.52B	130.67	$70.17B	10.17
SAFT	SAFETY INSURANCE GROUP INC	$73.94	$32.04	130.78%	15.09x	N/A	0.94x	1.29x	10.16x	$151.37M	13.91%	$850.67M	57.80	$1.08B	10.53
DGICA	DONEGAL GROUP INC	$19.48	N/A	N/A	8.08x	9.28x	0.72x	1.17x	N/A	$78.82M	11.08%	$605.67M	16.59	$688.75M	6.44
CINF	CINCINNATI FINANCIAL CORP	$156.86	N/A	N/A	13.46x	26.72x	2.10x	1.72x	N/A	$2.59B	10.55%	$14.30B	91.45	$24.42B	9.98
AII	AMERICAN INTEGRITY INSURANCE GROUP INC	$19.94	N/A	N/A	N/A	N/A	N/A	1.29x	N/A	N/A	N/A	$301.87M	17.80	$115.82M	N/A
KMPR	KEMPER CORP	$53.41	$39.85	34.03%	9.96x	9.61x	0.70x	1.13x	2.60x	$552.80M	16.50%	$2.95B	47.07	$4.12B	9.13
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	$1,762.81	$937.17	88.10%	22.10x	N/A	1.84x	0.98x	1.46x	$470.80M	10.37%	$4.64B	1,803.58	$4.90B	15.84
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	$46.07	$32.02	43.89%	14.05x	13.04x	1.49x	2.07x	1.41x	$372.09M	19.97%	$899.92M	22.25	$1.81B	10.18
CNA	CNA FINANCIAL CORP	$47.51	$42.72	11.22%	14.75x	10.58x	0.88x	1.21x	0.77x	$2.55B	19.82%	$10.66B	39.33	$15.46B	11.84
BOW	BOWHEAD SPECIALTY HOLDINGS INC	$28.14	$17.04	65.19%	18.39x	17.51x	1.87x	2.26x	1.36x	$333.27M	36.19%	$407.81M	12.46	$756.21M	10.86
PLMR	PALOMAR HOLDINGS INC	$116.84	$66.70	75.16%	19.94x	17.47x	4.58x	3.69x	1.40x	$374.63M	11.98%	$847.20M	31.66	$3.05B	15.05
SIGI	SELECTIVE INSURANCE GROUP INC	$79.01	$66.72	18.42%	12.85x	11.36x	0.94x	1.43x	1.00x	$1.13B	23.57%	$3.37B	55.37	$5.67B	10.27
MKL	MARKEL GROUP INC	$1,954.07	N/A	N/A	11.68x	20.56x	1.50x	1.43x	N/A	$2.05B	8.28%	$17.32B	1,368.81	$24.79B	7.25
ASIC	ATEGRITY SPECIALTY HOLDINGS LLC	$21.00	N/A	N/A	N/A	15.91x	N/A	1.80x	N/A	N/A	N/A	$559.69M	13.30	$985.87M	N/A
L	LOEWS CORP	$97.65	$41.96	132.70%	15.48x	N/A	1.13x	1.16x	8.70x	$3.07B	15.03%	$17.51B	83.70	$28.76B	10.51
WRB	BERKLEY W R CORP	$73.82	$31.29	135.94%	16.70x	17.48x	1.96x	3.01x	5.75x	$3.43B	12.27%	$9.29B	24.51	$28.89B	12.33
LMND	LEMONADE INC	$52.57	N/A	N/A	-18.64x	-19.83x	6.43x	7.37x	N/A	-$21.40M	-0.55%	$527.10M	7.18	$3.62B	-19.20
CB	CHUBB LTD	$278.11	$172.02	61.67%	12.16x	12.89x	1.94x	1.60x	3.00x	$14.00B	12.63%	$69.40B	174.06	$126.96B	10.34
ROOT	ROOT INC	$99.08	N/A	N/A	18.49x	27.91x	1.12x	6.26x	N/A	$184.60M	12.10%	$244.50M	15.88	$1.09B	8.57
RLI	RLI CORP	$66.88	N/A	N/A	18.97x	21.73x	3.38x	3.54x	N/A	$622.47M	10.14%	$1.73B	18.89	$6.22B	15.07
KNSL	KINSALE CAPITAL GROUP INC	$431.69	$141.03	206.09%	22.39x	23.57x	5.81x	5.84x	6.35x	$940.11M	9.40%	$1.72B	74.33	$10.10B	17.43
AFG	AMERICAN FINANCIAL GROUP INC	$139.86	$85.10	64.34%	15.37x	14.90x	1.41x	2.58x	1.73x	$1.55B	13.30%	$4.52B	54.08	$11.87B	10.44
NODK	NI HOLDINGS INC	$13.35	N/A	N/A	166.88x	N/A	0.90x	1.13x	N/A	$19.57M	6.97%	$243.32M	11.57	$219.23M	62.80
PRA	PROASSURANCE CORP	$23.79	$8.60	176.54%	25.04x	22.53x	1.09x	0.96x	3.09x	-$13.28M	-1.09%	$1.28B	24.84	$1.62B	16.58
GBLI	GLOBAL INDEMNITY GROUP LLC	$29.93	N/A	N/A	14.97x	15.04x	0.97x	0.62x	N/A	$11.30M	2.65%	$695.29M	48.71	$369.89M	8.81
CNFR	CONIFER HOLDINGS INC	$1.23	$48.63	-97.48%	0.50x	N/A	0.24x	0.53x	0.01x	-$48.74M	-325.55%	$28.21M	2.31	$5.08M	0.15

Property & Casualty Insurance Stocks FAQ

What are the best property & casualty insurance stocks to buy right now in Sep 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: C, Momentum: C, Sentiment: B, Safety: C, Financials: C, and AI: C.

Kingstone Companies (NASDAQ:KINS) has a Due Diligence Score of 45, which is 11 points higher than the property & casualty insurance industry average of 34.

KINS passed 18 out of 38 due diligence checks and has strong fundamentals. Kingstone Companies has seen its stock return 49.84% over the past year, overperforming other property & casualty insurance stocks by 36 percentage points.

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 B. Stocks with a rating of B have had an average return of +19.88% per year. Learn more.

The Component Grade breakdown for Hci Group (NYSE:HCI) is: Value: C, Growth: C, Momentum: B, Sentiment: B, Safety: C, Financials: B, and AI: C.

Hci Group (NYSE:HCI) has a Due Diligence Score of 54, which is 20 points higher than the property & casualty insurance industry average of 34.

HCI passed 21 out of 38 due diligence checks and has strong fundamentals. Hci Group has seen its stock return 85.87% over the past year, overperforming other property & casualty insurance stocks by 72 percentage points.

Hci Group has an average 1 year price target of $215.00, an upside of 18.92% from Hci Group's current stock price of $180.80.

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. Hanover Insurance Group (NYSE:THG)

Hanover Insurance Group (NYSE:THG) 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 Hanover Insurance Group (NYSE:THG) is: Value: C, Growth: B, Momentum: C, Sentiment: B, Safety: C, Financials: C, and AI: B.

Hanover Insurance Group (NYSE:THG) has a Due Diligence Score of 35, which is 1 points higher than the property & casualty insurance industry average of 34.

THG passed 12 out of 38 due diligence checks and has average fundamentals. Hanover Insurance Group has seen its stock return 23.77% over the past year, overperforming other property & casualty insurance stocks by 10 percentage points.

Hanover Insurance Group has an average 1 year price target of $189.60, an upside of 5.12% from Hanover Insurance Group's current stock price of $180.37.

Hanover Insurance Group stock has a consensus Buy recommendation according to Wall Street analysts. Of the 5 analysts covering Hanover Insurance Group, 20% have issued a Strong Buy rating, 40% have issued a Buy, 40% 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 24 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 8.04%, which is 6 percentage points higher than the property & casualty insurance industry average of 2.25%. 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 118% 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 6.01%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.25%. 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 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 4.9%, which is 3 percentage points higher than the property & casualty insurance industry average of 2.25%. 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 -0.6% in the last day, and up 0.23% 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 49.84% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 36 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 59.99% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 46 percentage points.

3. Slide Insurance Holdings (NASDAQ:SLDE)

Slide Insurance Holdings (NASDAQ:SLDE) 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.

Slide Insurance Holdings has a valuation score of 14, which is -17 points higher than the property & casualty insurance industry average of 31. It passed 1 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".

Are property & casualty insurance stocks a good buy now?

37.93% of property & casualty insurance stocks rated by analysts are a buy right now. On average, analysts expect property & casualty insurance stocks to rise by 11.22% over the next year.

2.78% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 36.11% of property & casualty insurance stocks are rated B (Buy), 61.11% 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 13.5x.

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. Hci Group (NYSE:HCI)

3. Hanover Insurance Group (NYSE:THG)

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. Slide Insurance Holdings (NASDAQ:SLDE)

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