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...
A
Insurance - Property & Casualty is Zen Rated A and is the 19th ranked industry out of 145 stock market industries
Learn how the Zen Ratings work
Ticker
Company
Zen Rating
Financials
Market Cap
ROE
ROA
ROCE
ROIC
D/E
Current Ratio
Gross Margin
Profit Margin
Operating Margin
HRTG
HERITAGE INSURANCE HOLDINGS INC
$653.65M27.00%3.20%N/A5.60%5.73N/A46.90%9.30%13.54%
KINS
KINGSTONE COMPANIES INC
$229.56M33.40%5.80%N/A8.40%3.69N/A57.60%12.30%17.04%
UVE
UNIVERSAL INSURANCE HOLDINGS INC
$669.45M16.10%2.30%N/A3.80%6.16N/A28.90%4.20%6.22%
MCY
MERCURY GENERAL CORP
$3.84B20.50%4.50%N/A6.10%3.61N/A30.60%6.80%8.75%
KMPR
KEMPER CORP
$3.94B12.20%2.70%N/A3.40%3.28N/A9.20%7.30%9.21%
HMN
HORACE MANN EDUCATORS CORP
$1.73B8.90%0.80%N/A1.20%9.72N/A40.50%7.00%10.94%
THG
HANOVER INSURANCE GROUP INC
$6.16B15.50%2.90%N/A3.80%4.08N/A20.30%7.00%9.34%
HCI
HCI GROUP INC
$1.62B28.10%6.30%N/A11.10%3.37N/A53.40%17.40%25.94%
ALL
ALLSTATE CORP
$53.56B25.80%5.00%N/A6.60%3.83N/A37.10%8.60%11.73%
UFCS
UNITED FIRE GROUP INC
$675.72M8.50%1.90%N/A2.70%3.32N/A41.40%5.10%7.10%
SAFT
SAFETY INSURANCE GROUP INC
$1.05B8.70%3.20%N/A4.20%1.69N/A36.00%6.30%8.06%
DGICA
DONEGAL GROUP INC
$619.06M13.20%3.00%N/A3.70%3.05N/A40.70%7.10%8.79%
HGTY
HAGERTY INC
$3.47B13.90%1.10%0.83%1.50%7.351.0132.70%1.50%0.55%
TRV
TRAVELERS COMPANIES INC
$58.59B18.50%3.90%N/A5.00%3.71N/A41.80%11.00%14.42%
ROOT
ROOT INC
$1.86B27.30%3.40%N/A8.00%5.44N/A39.20%4.10%7.19%
SKWD
SKYWARD SPECIALTY INSURANCE GROUP INC
$2.04B15.70%3.40%N/A4.60%3.74N/A41.20%10.20%13.66%
ACIC
AMERICAN COASTAL INSURANCE CORP
$503.36M30.00%6.10%N/A10.40%3.45N/A78.20%24.30%36.27%
PLMR
PALOMAR HOLDINGS INC
$3.54B19.50%6.00%N/A8.00%2.07N/A76.00%22.00%28.04%
STC
STEWART INFORMATION SERVICES CORP
$1.81B5.30%2.70%N/A6.40%0.93N/A31.00%2.90%4.75%
CINF
CINCINNATI FINANCIAL CORP
$23.07B13.10%4.90%N/A6.20%1.72N/A44.00%15.60%19.70%
PGR
PROGRESSIVE CORP
$141.89B33.20%8.30%N/A10.10%2.85N/A35.20%11.10%14.37%
MKL
MARKEL GROUP INC
$25.41B12.80%3.40%N/A5.20%2.83N/A40.10%13.30%18.72%
AII
AMERICAN INTEGRITY INSURANCE GROUP INC
$365.21MN/AN/AN/AN/A-1.00N/AN/AN/AN/A
NODK
NI HOLDINGS INC
$263.70M-2.50%-1.10%N/A-0.60%1.07N/A36.10%-1.90%-0.96%
SLDE
SLIDE INSURANCE HOLDINGS INC
N/AN/AN/AN/AN/A2.61N/AN/AN/AN/A
L
LOEWS CORP
$18.99B7.80%1.60%N/A2.30%3.79N/A36.30%7.50%11.97%
SIGI
SELECTIVE INSURANCE GROUP INC
$4.74B11.60%2.70%N/A3.60%3.29N/A39.30%7.30%10.18%
WTM
WHITE MOUNTAINS INSURANCE GROUP LTD
$4.60B0.60%0.30%N/A1.20%1.30N/A55.30%1.30%5.65%
RLI
RLI CORP
$6.06B19.60%5.60%N/A7.00%2.45N/A56.50%17.80%22.31%
CB
CHUBB LTD
$106.07B13.90%3.60%N/A4.90%2.70N/A43.60%16.10%20.91%
WRB
BERKLEY W R CORP
$26.10B20.70%4.30%N/A5.70%3.64N/A47.10%12.40%16.92%
CNA
CNA FINANCIAL CORP
$12.00B8.60%1.30%N/A1.80%5.55N/A34.30%6.20%8.74%
ASIC
ATEGRITY SPECIALTY HOLDINGS LLC
N/AN/AN/AN/AN/A1.69N/AN/AN/AN/A
BOW
BOWHEAD SPECIALTY HOLDINGS INC
$1.06B11.60%2.70%N/A4.00%3.48N/A41.60%9.30%12.44%
KNSL
KINSALE CAPITAL GROUP INC
$10.27B28.70%8.80%N/A11.10%2.23N/A51.10%25.90%33.30%
LMND
LEMONADE INC
$2.76B-36.70%-12.00%N/A-14.60%2.40N/A31.60%-38.90%-39.40%
AFG
AMERICAN FINANCIAL GROUP INC
$10.43B17.80%2.60%N/A3.50%5.90N/A20.90%9.70%13.21%
KG
KESTREL GROUP LTD
N/AN/AN/A8.95%N/A0.246.0835.20%6.20%6.75%
PRA
PROASSURANCE CORP
$1.22B3.50%0.80%N/A1.20%3.48N/A35.40%3.70%6.44%
GBLI
GLOBAL INDEMNITY GROUP LLC
$439.52M4.00%1.60%N/A2.10%1.49N/A48.20%6.30%8.14%
CNFR
CONIFER HOLDINGS INC
$10.67M101.00%8.30%N/A9.80%9.83N/A1.90%32.60%37.86%

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 163.95% over the past year, overperforming other property & casualty insurance stocks by 153 percentage points.

Heritage Insurance Holdings has an average 1 year price target of $29.00, an upside of 37.51% from Heritage Insurance Holdings's current stock price of $21.09.

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: B, 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 132.15% over the past year, overperforming other property & casualty insurance stocks by 121 percentage points.

3. Universal Insurance Holdings (NYSE:UVE)


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

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

UVE passed 12 out of 38 due diligence checks and has average fundamentals. Universal Insurance Holdings has seen its stock return 19.33% over the past year, overperforming other property & casualty insurance stocks by 8 percentage points.

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 8.57%, 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 6.08%, 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 5.12%, 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 up?

Property & casualty insurance stocks were up 0.55% in the last day, and down -0.29% over the last week. Allstate was the among the top gainers in the insurance - property & casualty industry, gaining 5.71% yesterday.

Allstate shares are trading higher after the company reported better-than-expected Q2 adjusted EPS results.

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 163.95% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 153 percentage points.

2. American Integrity Insurance Group (NYSE:AII)


American Integrity Insurance Group (NYSE:AII) 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.

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".

3. American Coastal Insurance (NASDAQ:ACIC)


American Coastal Insurance (NASDAQ:ACIC) 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 Coastal Insurance has a valuation score of 43, which is 11 points higher than the property & casualty insurance industry average of 32. It passed 3 out of 7 valuation due diligence checks.

American Coastal Insurance's stock has dropped -14.74% in the past year. It has underperformed other stocks in the property & casualty insurance industry by -26 percentage points.

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 10.07% over the next year.

13.16% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 26.32% of property & casualty insurance stocks are rated B (Buy), 52.63% 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 15.06x.
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.