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Sectors & IndustriesFinancial 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...
OverviewZen RatingPriceValueGrowthFinancialsMomentumSentimentForecastDividendsDue Diligence
A
Insurance - Property & Casualty is Zen Rated A and is the 8th ranked industry out of 145 stock market industries
Learn how the Zen Ratings work
Ticker
Company
DD Score
Valuation Score
Financials Score
Forecast Score
Performance Score
Dividends Score
KINS
KINGSTONE COMPANIES INC
49
57
43
56
70
20
ALL
ALLSTATE CORP
39
29
43
11
30
80
UVE
UNIVERSAL INSURANCE HOLDINGS INC
33
43
43
11
30
40
THG
HANOVER INSURANCE GROUP INC
37
43
43
11
30
60
HRTG
HERITAGE INSURANCE HOLDINGS INC
37
57
43
56
30
0

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Use Due Diligence Score to quickly analyze stock fundamentals, even if you don't have a finance background. We run time-tested due diligence checks inspired by legendary investors like Warren Buffett, and score each company based on how many they pass/fail.

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Property & Casualty Insurance Stocks FAQ

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

Kingstone Companies (NASDAQ:KINS) has a Due Diligence Score of 49, which is 14 points higher than the property & casualty insurance industry average of 35.

KINS passed 20 out of 38 due diligence checks and has strong fundamentals. Kingstone Companies has seen its stock return 37.29% over the past year, overperforming other property & casualty insurance stocks by 26 percentage points.

2. Allstate (NYSE:ALL)


Allstate (NYSE:ALL) 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 Allstate (NYSE:ALL) is: Value: B, Growth: C, Momentum: C, Sentiment: A, Safety: C, Financials: C, and AI: B.

Allstate (NYSE:ALL) has a Due Diligence Score of 39, which is 4 points higher than the property & casualty insurance industry average of 35.

ALL passed 13 out of 38 due diligence checks and has average fundamentals. Allstate has seen its stock return 2.68% over the past year, underperforming other property & casualty insurance stocks by -9 percentage points.

Allstate has an average 1 year price target of $217.91, an upside of 13.78% from Allstate's current stock price of $191.52.

Allstate stock has a consensus Buy recommendation according to Wall Street analysts. Of the 11 analysts covering Allstate, 54.55% have issued a Strong Buy rating, 27.27% have issued a Buy, 9.09% have issued a hold, while 0% have issued a Sell rating, and 9.09% have issued a Strong Sell.

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

The Component Grade breakdown for Universal Insurance Holdings (NYSE:UVE) is: Value: B, Growth: C, Momentum: B, Sentiment: C, Safety: C, Financials: C, and AI: C.

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 "B".

UVE passed 12 out of 38 due diligence checks and has average fundamentals. Universal Insurance Holdings has seen its stock return 54.56% over the past year, overperforming other property & casualty insurance stocks by 43 percentage points.

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 8.57%, which is 6 percentage points higher than the property & casualty insurance industry average of 2.4%. 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 6.44%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.4%. 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 not 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 5.27%, which is 3 percentage points higher than the property & casualty insurance industry average of 2.4%. 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 up?

Property & casualty insurance stocks were up 0.52% in the last day, and up 0.24% 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. 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 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 37.29% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 26 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 25 points higher than the property & casualty insurance industry average of 32. It passed 4 out of 7 valuation due diligence checks.

Heritage Insurance Holdings's stock has gained 128.31% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 117 percentage points.

3. Allstate (NYSE:ALL)


Allstate (NYSE:ALL) 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.

Allstate has a valuation score of 29, which is -3 points higher than the property & casualty insurance industry average of 32. It passed 2 out of 7 valuation due diligence checks. Although this number is below the industry average, our proven quant model rates ALL a Valuation Rating of "B".

Allstate's stock has gained 2.68% 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?

32.14% of property & casualty insurance stocks rated by analysts are a strong buy right now. On average, analysts expect property & casualty insurance stocks to rise by 16.14% over the next year.

5.56% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 30.56% of property & casualty insurance stocks are rated B (Buy), 63.89% 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 12.14x.
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