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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 RatingPriceValueGrowthFinancialsMomentumSentimentForecast
DividendsDue Diligence
A
Insurance - Property & Casualty is Zen Rated A and is the 15th ranked industry out of 145 stock market industries
Learn how the Zen Ratings work
Ticker
Company
Market Cap
Price
Price Target
Upside/Downside
Top Analysts Upside/Downside
Consensus
Top Analysts Consensus
Analysts
Top Analysts
Fore. Revenue Growth
Fore. Earnings Growth
Forecast ROE
Forecast ROA
HRTG
HERITAGE INSURANCE HOLDINGS INC
$713.16M$23.01$29.0026.03%Strong Buy22.11%27.76%34.62%5.15%
KINS
KINGSTONE COMPANIES INC
$207.85M$14.84N/AN/AN/AN/A25.97%8.57%41.74%8.90%
UVE
UNIVERSAL INSURANCE HOLDINGS INC
$744.15M$26.44N/AN/AN/AN/A-3.79%11.81%18.99%2.95%
KMPR
KEMPER CORP
$4.04B$63.08$78.5024.45%Strong Buy28.49%10.98%15.02%3.52%
DGICA
DONEGAL GROUP INC
$680.24M$18.85$18.00-4.48%Hold15.95%-42.03%8.64%2.13%
HMN
HORACE MANN EDUCATORS CORP
$1.74B$42.79$46.007.50%Buy34.75%26.98%15.31%1.43%
UFCS
UNITED FIRE GROUP INC
$709.32M$27.87$30.007.64%Buy23.74%-4.21%8.40%1.95%
HGTY
HAGERTY INC
$3.23B$9.46$10.005.71%Hold111.16%44.42%109.06%9.78%
THG
HANOVER INSURANCE GROUP INC
$6.09B$169.63$182.607.65%Buy56.05%14.02%20.09%3.95%
SAFT
SAFETY INSURANCE GROUP INC
$1.17B$78.75N/AN/AN/AN/AN/AN/AN/AN/A
HCI
HCI GROUP INC
$1.80B$155.68$191.6723.12%Strong Buy316.84%25.73%34.20%7.75%
SKWD
SKYWARD SPECIALTY INSURANCE GROUP INC
$2.37B$58.60$65.1411.17%Strong Buy710.86%13.57%21.61%4.56%
ALL
ALLSTATE CORP
$52.68B$198.92$220.1410.67%Buy76.75%21.14%29.27%5.61%
PLMR
PALOMAR HOLDINGS INC
$4.30B$160.93$164.332.11%Strong Buy626.76%22.88%30.65%9.98%
ACIC
AMERICAN COASTAL INSURANCE CORP
$504.33M$10.43N/AN/AN/AN/A9.29%-3.21%27.80%6.25%
ROOT
ROOT INC
$2.25B$146.69$148.000.89%Buy49.25%-4.29%N/AN/A
MCY
MERCURY GENERAL CORP
$3.57B$64.49$80.0024.05%Strong Buy15.07%N/A15.97%3.22%
PGR
PROGRESSIVE CORP
$157.02B$267.85$304.0913.53%Buy1111.07%5.61%36.66%9.53%
NODK
NI HOLDINGS INC
$252.11M$12.18N/AN/AN/AN/AN/AN/AN/AN/A
L
LOEWS CORP
$18.59B$88.66N/AN/AN/AN/AN/AN/AN/AN/A
TRV
TRAVELERS COMPANIES INC
$59.69B$263.47$281.006.65%Buy115.38%13.72%21.82%4.52%
SIGI
SELECTIVE INSURANCE GROUP INC
$5.17B$85.12$92.678.87%Hold36.97%48.60%16.57%3.80%
WRB
BERKLEY W R CORP
$27.80B$73.29$71.90-1.90%Hold105.89%4.23%21.82%4.70%
AII
AMERICAN INTEGRITY INSURANCE GROUP INC
$322.15M$16.46$21.5030.62%Strong Buy2N/AN/AN/AN/A
WTM
WHITE MOUNTAINS INSURANCE GROUP LTD
$4.59B$1,784.26N/AN/AN/AN/AN/AN/AN/AN/A
BOW
BOWHEAD SPECIALTY HOLDINGS INC
$1.19B$36.39$40.6011.57%Buy519.25%21.39%20.16%4.50%
CNA
CNA FINANCIAL CORP
$12.35B$45.64$53.0016.13%Hold1-1.60%19.07%13.19%2.01%
STC
STEWART INFORMATION SERVICES CORP
$1.75B$62.73$78.5025.14%Buy2N/A80.00%13.56%7.01%
CB
CHUBB LTD
$114.92B$286.79$311.208.51%Buy106.37%8.89%16.98%4.43%
MKL
MARKEL GROUP INC
$24.47B$1,928.77$2.03k4.99%Hold11.85%-11.82%8.36%2.22%
CINF
CINCINNATI FINANCIAL CORP
$22.88B$146.36$154.005.22%Strong Buy24.15%-10.05%9.26%3.41%
KG
KESTREL GROUP LTD
N/A$25.36N/AN/AN/AN/AN/AN/AN/AN/A
AFG
AMERICAN FINANCIAL GROUP INC
$10.35B$123.87$125.000.91%Hold12.59%8.97%23.05%3.34%
KNSL
KINSALE CAPITAL GROUP INC
$11.06B$474.32$481.251.46%Buy49.98%7.72%33.76%10.25%
LMND
LEMONADE INC
$2.97B$40.47$35.00-13.52%Sell427.20%N/AN/AN/A
RLI
RLI CORP
$6.70B$73.06$75.503.34%Hold43.75%0.30%N/AN/A
PRA
PROASSURANCE CORP
$1.18B$22.92$22.50-1.83%Buy2-2.80%14.60%5.28%1.18%
ASIC
ATEGRITY SPECIALTY HOLDINGS LLC
N/A$23.66N/AN/AN/AN/AN/AN/AN/AN/A
GBLI
GLOBAL INDEMNITY GROUP LLC
$463.93M$32.50N/AN/AN/AN/A6.41%1.49%6.32%2.53%
CNFR
CONIFER HOLDINGS INC
$9.62M$0.79N/AN/AN/AN/AN/AN/AN/AN/A
1

Property & Casualty Insurance Stocks FAQ

What are the best property & casualty insurance stocks to buy right now in Jun 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 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 Heritage Insurance Holdings (NYSE:HRTG) is: Value: A, Growth: C, Momentum: A, Sentiment: A, Safety: C, Financials: C, and AI: C.

Heritage Insurance Holdings (NYSE:HRTG) has a Due Diligence Score of 40, which is 5 points higher than the property & casualty insurance industry average of 35.

HRTG passed 16 out of 38 due diligence checks and has average fundamentals. Heritage Insurance Holdings has seen its stock return 196.14% over the past year, overperforming other property & casualty insurance stocks by 176 percentage points.

Heritage Insurance Holdings has an average 1 year price target of $29.00, an upside of 26.03% from Heritage Insurance Holdings's current stock price of $23.01.

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 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: C, Safety: C, Financials: B, and AI: C.

Kingstone Companies (NASDAQ:KINS) has a Due Diligence Score of 42, which is 7 points higher than the property & casualty insurance industry average of 35.

KINS passed 18 out of 38 due diligence checks and has strong fundamentals. Kingstone Companies has seen its stock return 212.42% over the past year, overperforming other property & casualty insurance stocks by 193 percentage points.

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 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: B, Sentiment: B, Safety: C, Financials: B, and AI: A.

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 "A".

UVE passed 11 out of 38 due diligence checks and has average fundamentals. Universal Insurance Holdings has seen its stock return 42% over the past year, overperforming other property & casualty insurance stocks by 22 percentage points.

What are the property & casualty insurance stocks with highest dividends?

Out of 23 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 8.33%, which is 6 percentage points higher than the property & casualty insurance industry average of 2.39%. 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 6.71%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.39%. 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 4.57%, which is 2 percentage points higher than the property & casualty insurance industry average of 2.39%. 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 -0.54% in the last day, and down -2.24% 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 37 points higher than the property & casualty insurance industry average of 34. It passed 5 out of 7 valuation due diligence checks.

Heritage Insurance Holdings's stock has gained 196.14% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 176 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 29, which is -5 points higher than the property & casualty insurance industry average of 34. It passed 2 out of 7 valuation due diligence checks. Although this number is below the industry average, our proven quant model rates KINS a Valuation Rating of "A".

Kingstone Companies's stock has gained 212.42% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 193 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 -34 points higher than the property & casualty insurance industry average of 34. 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?

41.38% of property & casualty insurance stocks rated by analysts are a buy right now. On average, analysts expect property & casualty insurance stocks to rise by 6.85% over the next year.

16.67% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 22.22% of property & casualty insurance stocks are rated B (Buy), 52.78% are rated C (Hold), 8.33% 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 17.2x.
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