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 18th 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	$21.01	$34.21	-38.59%	8.27x	6.47x	0.77x	1.98x	0.37x	$73.53M	11.40%	$329.00M	10.72	$330.69M	2.68
KINS	KINGSTONE COMPANIES INC	$15.41	$16.83	-8.45%	8.81x	7.71x	1.22x	2.63x	0.76x	$67.05M	32.30%	$82.21M	6.10	$183.70M	5.85
KMPR	KEMPER CORP	$60.06	$48.46	23.93%	11.12x	9.47x	0.82x	1.32x	1.14x	$475.50M	12.37%	$2.92B	45.59	$4.67B	9.60
MCY	MERCURY GENERAL CORP	$68.04	$66.98	1.58%	9.66x	-136.08x	0.65x	1.91x	0.86x	$842.97M	22.37%	$1.97B	35.56	$3.24B	5.60
THG	HANOVER INSURANCE GROUP INC	$168.83	$92.08	83.34%	10.93x	11.66x	0.95x	1.88x	8.99x	$844.80M	13.94%	$3.22B	89.59	$6.58B	8.98
HMN	HORACE MANN EDUCATORS CORP	$41.27	$39.12	5.50%	14.85x	10.36x	1.05x	1.25x	0.61x	$518.40M	30.41%	$1.34B	32.51	$2.20B	10.75
HCI	HCI GROUP INC	$138.86	$159.32	-12.84%	11.23x	8.94x	2.11x	3.07x	0.54x	$307.01M	19.15%	$522.68M	45.26	$1.07B	5.31
UFCS	UNITED FIRE GROUP INC	$26.11	N/A	N/A	10.00x	10.44x	0.51x	0.81x	N/A	$341.56M	51.52%	$817.66M	32.20	$597.95M	5.85
UVE	UNIVERSAL INSURANCE HOLDINGS INC	$23.00	$20.89	10.09%	9.66x	8.68x	0.41x	1.42x	1.05x	$269.55M	41.90%	$457.81M	16.37	$316.45M	3.05
ALL	ALLSTATE CORP	$199.77	$121.88	63.90%	9.27x	10.92x	0.80x	2.19x	27.57x	$8.54B	16.15%	$24.02B	90.78	$59.73B	7.18
SAFT	SAFETY INSURANCE GROUP INC	$69.30	$29.69	133.43%	14.14x	N/A	0.88x	1.21x	9.52x	$151.37M	14.84%	$850.67M	57.80	$1.01B	9.86
DGICA	DONEGAL GROUP INC	$16.75	N/A	N/A	8.09x	13.96x	0.61x	1.03x	N/A	$88.37M	14.61%	$584.72M	16.20	$575.30M	6.30
HGTY	HAGERTY INC	$10.02	$3.87	158.90%	50.10x	31.31x	0.72x	21.02x	1.28x	$140.42M	15.56%	$162.94M	1.81	$3.31B	62.91
TRV	TRAVELERS COMPANIES INC	$258.32	$168.05	53.72%	11.26x	12.23x	1.22x	1.97x	2.22x	$9.63B	16.51%	$29.52B	130.67	$65.53B	9.50
ROOT	ROOT INC	$116.72	$25.25	362.26%	33.54x	32.88x	1.40x	7.84x	6.88x	$196.50M	11.08%	$228.70M	15.05	$1.38B	13.12
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	$49.39	$30.65	61.13%	15.88x	13.98x	1.64x	2.35x	1.30x	$303.44M	15.28%	$850.72M	21.16	$1.96B	11.60
ACIC	AMERICAN COASTAL INSURANCE CORP	$10.13	N/A	N/A	6.62x	7.50x	1.61x	1.88x	N/A	$145.35M	29.81%	$260.88M	5.42	$409.19M	3.45
CINF	CINCINNATI FINANCIAL CORP	$146.19	N/A	N/A	12.55x	25.73x	1.96x	1.60x	N/A	$2.59B	11.32%	$14.30B	91.45	$22.75B	9.30
PLMR	PALOMAR HOLDINGS INC	$129.62	$68.02	90.56%	25.17x	19.63x	5.66x	4.39x	1.16x	$309.05M	8.94%	$790.45M	29.65	$3.35B	19.00
STC	STEWART INFORMATION SERVICES CORP	$65.60	$75.28	-12.85%	24.75x	13.75x	0.73x	1.31x	0.38x	$94.24M	5.16%	$1.40B	50.32	$2.24B	12.44
PGR	PROGRESSIVE CORP	$241.09	$115.55	108.64%	16.21x	13.79x	1.80x	4.88x	2.56x	$15.82B	11.20%	$28.95B	49.41	$148.02B	12.79
MKL	MARKEL GROUP INC	$1,929.87	N/A	N/A	11.54x	19.93x	1.48x	1.41x	N/A	$2.05B	8.39%	$17.32B	1,368.81	$24.49B	7.16
SLDE	SLIDE INSURANCE HOLDINGS INC	$18.29	N/A	N/A	N/A	8.39x	N/A	N/A	N/A	N/A	N/A	$532.45M	4.26	N/A	N/A
AII	AMERICAN INTEGRITY INSURANCE GROUP INC	$18.48	N/A	N/A	N/A	N/A	N/A	-0.38x	N/A	N/A	N/A	-$948.69M	-7.72	$124.00M	N/A
SIGI	SELECTIVE INSURANCE GROUP INC	$77.47	$62.36	24.22%	12.60x	10.94x	0.92x	1.40x	0.97x	$1.13B	24.04%	$3.37B	55.37	$5.58B	10.10
L	LOEWS CORP	$90.29	N/A	N/A	14.78x	N/A	1.08x	1.10x	N/A	$2.99B	15.60%	$17.19B	80.92	$27.32B	10.08
NODK	NI HOLDINGS INC	$12.51	N/A	N/A	-43.14x	N/A	0.82x	1.02x	N/A	$31.57M	12.01%	$254.00M	12.09	$201.74M	-78.25
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	$1,774.87	$353.05	402.73%	164.95x	N/A	2.10x	1.01x	2.13x	$510.10M	11.17%	$4.51B	1,752.17	$4.93B	41.27
RLI	RLI CORP	$65.89	N/A	N/A	18.69x	21.55x	3.33x	3.49x	N/A	$622.47M	10.29%	$1.73B	18.89	$6.13B	14.85
ASIC	ATEGRITY SPECIALTY HOLDINGS LLC	$19.90	N/A	N/A	N/A	16.72x	N/A	N/A	N/A	N/A	N/A	$426.82M	0.99	N/A	N/A
CB	CHUBB LTD	$267.40	$158.62	68.57%	11.69x	12.47x	1.86x	1.54x	2.95x	$14.00B	13.13%	$69.40B	174.06	$122.69B	10.00
WRB	BERKLEY W R CORP	$69.25	$29.52	134.63%	15.96x	16.39x	1.89x	2.95x	4.45x	$3.61B	13.74%	$8.91B	23.50	$27.45B	12.16
CNA	CNA FINANCIAL CORP	$43.89	$37.86	15.93%	13.34x	10.49x	0.82x	1.16x	0.79x	$2.61B	21.94%	$10.28B	37.89	$14.37B	10.80
BOW	BOWHEAD SPECIALTY HOLDINGS INC	$31.92	$16.59	92.40%	23.64x	20.12x	2.28x	2.66x	1.24x	$296.56M	28.45%	$391.36M	11.98	$919.14M	14.91
KNSL	KINSALE CAPITAL GROUP INC	$444.49	$128.50	245.92%	23.05x	24.49x	5.98x	6.01x	7.20x	$940.11M	9.13%	$1.72B	74.33	$10.40B	17.95
LMND	LEMONADE INC	$36.40	N/A	N/A	-12.01x	-13.15x	4.75x	4.89x	N/A	-$38.00M	-1.43%	$545.50M	7.48	$2.45B	-12.21
AFG	AMERICAN FINANCIAL GROUP INC	$122.42	$77.37	58.24%	12.86x	12.39x	1.24x	2.33x	1.75x	$1.30B	12.64%	$4.39B	52.41	$10.42B	8.86
KG	KESTREL GROUP LTD	$26.95	N/A	N/A	N/A	N/A	748.61x	N/A	N/A	-$1.27M	-0.03%	$3.79M	0.03	N/A	N/A
CNFR	CONIFER HOLDINGS INC	$0.82	$73.13	-98.88%	0.42x	N/A	0.14x	0.39x	0.00x	-$56.11M	-559.88%	$25.59M	2.09	$11.74M	0.40
GBLI	GLOBAL INDEMNITY GROUP LLC	$30.79	$11.98	156.96%	15.32x	15.09x	0.98x	0.64x	12.67x	$18.56M	4.35%	$687.05M	49.55	$368.23M	8.87
PRA	PROASSURANCE CORP	$23.66	$8.34	183.70%	28.85x	26.47x	1.06x	0.98x	2.20x	$228.00k	0.02%	$1.23B	24.10	$1.61B	17.99

Property & Casualty Insurance Stocks FAQ

What are the best property & casualty insurance stocks to buy right now in Aug 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 41 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: B, Sentiment: A, Safety: C, Financials: C, and AI: C.

Heritage Insurance Holdings (NYSE:HRTG) has a Due Diligence Score of 38, which is 4 points higher than the property & casualty insurance industry average of 34.

HRTG passed 15 out of 38 due diligence checks and has average fundamentals. Heritage Insurance Holdings has seen its stock return 173.92% over the past year, overperforming other property & casualty insurance stocks by 163 percentage points.

Heritage Insurance Holdings has an average 1 year price target of $29.00, an upside of 38.03% from Heritage Insurance Holdings's current stock price of $21.01.

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 41 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: C, and AI: C.

Kingstone Companies (NASDAQ:KINS) has a Due Diligence Score of 47, which is 13 points higher than the property & casualty insurance industry average of 34.

KINS passed 20 out of 38 due diligence checks and has strong fundamentals. Kingstone Companies has seen its stock return 131.73% over the past year, overperforming other property & casualty insurance stocks by 120 percentage points.

3. Kemper (NYSE:KMPR)

Kemper (NYSE:KMPR) is the #3 top property & casualty insurance stock out of 41 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 Kemper (NYSE:KMPR) is: Value: B, Growth: B, Momentum: C, Sentiment: B, Safety: C, Financials: C, and AI: B.

Kemper (NYSE:KMPR) has a Due Diligence Score of 26, which is -8 points lower than the property & casualty insurance industry average of 34. Although this number is below the industry average, our proven quant model rates KMPR as a "A".

KMPR passed 10 out of 38 due diligence checks and has average fundamentals. Kemper has seen its stock lose -4.95% over the past year, underperforming other property & casualty insurance stocks by -16 percentage points.

Kemper has an average 1 year price target of $75.00, an upside of 24.88% from Kemper's current stock price of $60.06.

Kemper stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 1 analyst covering Kemper, 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 22 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 8.66%, which is 6 percentage points higher than the property & casualty insurance industry average of 2.53%. 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 6.21%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.53%. 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 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 5.19%, which is 3 percentage points higher than the property & casualty insurance industry average of 2.53%. 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 -1.69% in the last day, and down -2.58% 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 39 points higher than the property & casualty insurance industry average of 32. It passed 5 out of 7 valuation due diligence checks.

Heritage Insurance Holdings's stock has gained 173.92% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 163 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 57, which is 25 points higher than the property & casualty insurance industry average of 32. It passed 4 out of 7 valuation due diligence checks.

Kingstone Companies's stock has gained 131.73% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 120 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 -32 points higher than the property & casualty insurance industry average of 32. 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?

35.48% of property & casualty insurance stocks rated by analysts are a buy right now. On average, analysts expect property & casualty insurance stocks to rise by 12.45% over the next year.

7.89% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 28.95% of property & casualty insurance stocks are rated B (Buy), 55.26% are rated C (Hold), 7.89% 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 14.95x.

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. Kemper (NYSE:KMPR)

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