Sectors & IndustriesFinancial 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...
B
Insurance - Property & Casualty is Zen Rated B and is the 34th ranked industry out of 145 stock market industries
Learn how the Zen Ratings work
Ticker
Company
Zen Rating
Value
Growth
Momentum
Sentiment
Safety
Financials
AI
1w Zen Rating
1m Zen Rating
3m Zen Rating
1y Zen Rating
HCI
HCI GROUP INC
ACBCACBAAAAB
UVE
UNIVERSAL INSURANCE HOLDINGS INC
ABCCACCAAABB
MCY
MERCURY GENERAL CORP
ACBCCCCAAABC
HRTG
HERITAGE INSURANCE HOLDINGS INC
BACCBCCBBBBB
WTM
WHITE MOUNTAINS INSURANCE GROUP LTD
BCCCCCCBBCCD

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Use the proven Zen Ratings quant model to find stocks with high potential to beat the market. Stocks Zen-Rated "A" have beaten the market by +32.52% annually. Learn More

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Property & Casualty Insurance Stocks FAQ

What are the best property & casualty insurance stocks to buy right now in Mar 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. Hci Group (NYSE:HCI)


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

Hci Group (NYSE:HCI) has a Due Diligence Score of 53, which is 15 points higher than the property & casualty insurance industry average of 38.

HCI passed 20 out of 38 due diligence checks and has strong fundamentals. Hci Group has seen its stock return 10.56% over the past year, overperforming other property & casualty insurance stocks by 10 percentage points.

Hci Group has an average 1 year price target of $245.00, an upside of 61.66% from Hci Group's current stock price of $151.55.

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.

2. Universal Insurance Holdings (NYSE:UVE)


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

Universal Insurance Holdings (NYSE:UVE) has a Due Diligence Score of 43, which is 5 points higher than the property & casualty insurance industry average of 38.

UVE passed 16 out of 38 due diligence checks and has strong fundamentals. Universal Insurance Holdings has seen its stock return 52.11% over the past year, overperforming other property & casualty insurance stocks by 51 percentage points.

Universal Insurance Holdings has an average 1 year price target of $40.00, an upside of 20.74% from Universal Insurance Holdings's current stock price of $33.13.

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.

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 A. Stocks with a rating of A have had an average return of +32.52% per year. Learn more.

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

Mercury General (NYSE:MCY) has a Due Diligence Score of 33, which is -5 points lower than the property & casualty insurance industry average of 38. Although this number is below the industry average, our proven quant model rates MCY as a "A".

MCY passed 12 out of 38 due diligence checks and has average fundamentals. Mercury General has seen its stock return 52.82% over the past year, overperforming other property & casualty insurance stocks by 52 percentage points.

Mercury General has an average 1 year price target of $100.00, an upside of 15.17% from Mercury General's current stock price of $86.83.

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 27 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 8.51%, which is 6 percentage points higher than the property & casualty insurance industry average of 3%. Cna Financial's dividend payout is not stable, having dropped more than 10% nine 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 81.5% 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 6.78%, which is 4 percentage points higher than the property & casualty insurance industry average of 3%. 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 34.1% 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 6.75%, which is 4 percentage points higher than the property & casualty insurance industry average of 3%. Progressive's dividend payout is not stable, having dropped more than 10% six times in the last 10 years. Progressive's dividend has shown consistent growth over the last 10 years.

Progressive's dividend payout ratio of 72.1% 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 -0.49% in the last day, and down -2.88% 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. 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 86.14% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 85 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 A. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

Slide 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.

3. Kingstone Companies (NASDAQ:KINS)


Kingstone Companies (NASDAQ:KINS) 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.

Kingstone Companies 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.

Kingstone Companies's stock has dropped -8.21% in the past year. It has underperformed other stocks in the property & casualty insurance industry by -9 percentage points.

Are property & casualty insurance stocks a good buy now?

34.48% of property & casualty insurance stocks rated by analysts are a buy right now. On average, analysts expect property & casualty insurance stocks to rise by 17.36% over the next year.

8.11% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 24.32% of property & casualty insurance stocks are rated B (Buy), 62.16% 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 10.58x.
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.