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...

Overview Zen Rating Price Value Growth Financials Momentum Sentiment Forecast

Insurance - Property & Casualty is Zen Rated A and is the 16th ranked industry out of 145 stock market industries

Ticker	Company	Market Cap	Price	Price Target	Upside/Downside	Consensus	Analysts	Fore. Revenue Growth	Fore. Earnings Growth	Forecast ROE	Forecast ROA
MCY	MERCURY GENERAL CORP	$3.71B	$67.01	$80.00	19.39%	Strong Buy	1	5.07%	N/A	15.97%	3.22%
KMPR	KEMPER CORP	$4.14B	$64.74	$75.00	15.85%	Strong Buy	1	8.49%	10.83%	15.02%	3.52%
HRTG	HERITAGE INSURANCE HOLDINGS INC	$732.99M	$23.65	$29.00	22.62%	Strong Buy	2	2.11%	27.76%	34.62%	5.15%
HCI	HCI GROUP INC	$1.69B	$146.48	$215.00	46.78%	Strong Buy	2	16.84%	25.73%	34.20%	7.75%
CINF	CINCINNATI FINANCIAL CORP	$23.35B	$149.38	$154.00	3.09%	Strong Buy	2	4.15%	-10.05%	9.26%	3.41%
AII	AMERICAN INTEGRITY INSURANCE GROUP INC	$360.71M	$18.43	$21.50	16.66%	Strong Buy	2	N/A	N/A	N/A	N/A
PLMR	PALOMAR HOLDINGS INC	$3.98B	$148.79	$174.17	17.06%	Strong Buy	6	26.76%	22.88%	30.65%	9.98%
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	$2.28B	$56.46	$65.14	15.38%	Strong Buy	7	10.86%	13.57%	21.61%	4.56%
KNSL	KINSALE CAPITAL GROUP INC	$11.18B	$479.39	$493.60	2.96%	Buy	5	9.98%	7.85%	33.76%	10.25%
PGR	PROGRESSIVE CORP	$154.94B	$264.30	$304.50	15.21%	Buy	10	11.06%	5.90%	36.11%	9.38%
STC	STEWART INFORMATION SERVICES CORP	$1.84B	$66.04	$78.50	18.87%	Buy	2	N/A	80.00%	13.56%	7.01%
UFCS	UNITED FIRE GROUP INC	$722.04M	$28.37	$30.00	5.75%	Buy	2	3.74%	-4.21%	8.40%	1.95%
ALL	ALLSTATE CORP	$53.00B	$200.14	$220.14	9.99%	Buy	7	6.75%	21.16%	29.27%	5.61%
BOW	BOWHEAD SPECIALTY HOLDINGS INC	$1.20B	$36.73	$40.60	10.54%	Buy	5	19.25%	21.39%	20.16%	4.50%
THG	HANOVER INSURANCE GROUP INC	$6.01B	$167.36	$183.25	9.49%	Buy	4	6.05%	14.02%	20.09%	3.95%
ROOT	ROOT INC	$1.92B	$125.28	$148.00	18.14%	Buy	4	9.25%	-4.29%	N/A	N/A
CB	CHUBB LTD	$116.05B	$289.59	$311.20	7.46%	Buy	10	6.36%	8.88%	16.98%	4.43%
HMN	HORACE MANN EDUCATORS CORP	$1.76B	$43.04	$46.00	6.88%	Buy	3	4.75%	26.98%	15.31%	1.43%
PRA	PROASSURANCE CORP	$1.17B	$22.83	$22.50	-1.45%	Buy	2	-2.80%	14.60%	5.28%	1.18%
TRV	TRAVELERS COMPANIES INC	$60.49B	$267.00	$281.00	5.24%	Buy	11	5.38%	13.72%	21.82%	4.52%
SIGI	SELECTIVE INSURANCE GROUP INC	$5.30B	$87.16	$92.67	6.32%	Hold	3	6.97%	48.60%	16.57%	3.80%
WRB	BERKLEY W R CORP	$27.64B	$72.86	$71.90	-1.32%	Hold	10	5.93%	4.12%	21.79%	4.70%
AFG	AMERICAN FINANCIAL GROUP INC	$10.58B	$126.63	$125.00	-1.29%	Hold	1	2.66%	8.87%	22.91%	3.32%
HGTY	HAGERTY INC	$3.47B	$10.15	$10.00	-1.48%	Hold	1	11.16%	44.42%	109.06%	9.78%
RLI	RLI CORP	$6.57B	$71.59	$75.50	5.46%	Hold	4	3.67%	0.28%	N/A	N/A
DGICA	DONEGAL GROUP INC	$705.69M	$19.55	$18.00	-7.93%	Hold	1	5.95%	-42.03%	8.64%	2.13%
CNA	CNA FINANCIAL CORP	$12.58B	$46.48	$53.00	14.03%	Hold	1	-1.60%	18.89%	13.19%	2.01%
MKL	MARKEL GROUP INC	$25.30B	$1,994.21	$2.03k	1.54%	Hold	1	1.93%	-11.83%	8.36%	2.22%
LMND	LEMONADE INC	$3.20B	$43.66	$33.20	-23.96%	Sell	5	27.40%	N/A	N/A	N/A
SAFT	SAFETY INSURANCE GROUP INC	$1.18B	$79.05	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
CNFR	CONIFER HOLDINGS INC	$9.41M	$0.77	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
UVE	UNIVERSAL INSURANCE HOLDINGS INC	$771.45M	$27.41	N/A	N/A	N/A	N/A	-3.79%	11.81%	18.99%	2.95%
SLDE	SLIDE INSURANCE HOLDINGS INC	N/A	$21.01	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
NODK	NI HOLDINGS INC	$264.94M	$12.80	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
KG	KESTREL GROUP LTD	N/A	$25.32	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
ASIC	ATEGRITY SPECIALTY HOLDINGS LLC	N/A	$21.60	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
KINS	KINGSTONE COMPANIES INC	$218.28M	$15.59	N/A	N/A	N/A	N/A	25.97%	8.57%	41.74%	8.90%
GBLI	GLOBAL INDEMNITY GROUP LLC	$447.37M	$31.34	N/A	N/A	N/A	N/A	6.41%	1.49%	6.32%	2.53%
L	LOEWS CORP	$19.36B	$92.32	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
ACIC	AMERICAN COASTAL INSURANCE CORP	$531.89M	$11.00	N/A	N/A	N/A	N/A	9.29%	-3.21%	27.80%	6.25%
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	$4.61B	$1,790.01	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

Property & Casualty Insurance Stocks FAQ

What are the best property & casualty insurance stocks to buy right now in Jul 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: B, 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 6 points higher than the property & casualty insurance industry average of 34.

HRTG passed 16 out of 38 due diligence checks and has average fundamentals. Heritage Insurance Holdings has seen its stock return 248.82% over the past year, overperforming other property & casualty insurance stocks by 229 percentage points.

Heritage Insurance Holdings has an average 1 year price target of $29.00, an upside of 22.62% from Heritage Insurance Holdings's current stock price of $23.65.

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: B, and AI: C.

Kingstone Companies (NASDAQ:KINS) has a Due Diligence Score of 42, which is 8 points higher than the property & casualty insurance industry average of 34.

KINS passed 18 out of 38 due diligence checks and has strong fundamentals. Kingstone Companies has seen its stock return 211.7% over the past year, overperforming other property & casualty insurance stocks by 192 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: B, Sentiment: B, Safety: C, Financials: B, and AI: A.

Universal Insurance Holdings (NYSE:UVE) has a Due Diligence Score of 33, which is -1 points lower than the property & casualty insurance industry average of 34. 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 48.97% over the past year, overperforming other property & casualty insurance stocks by 29 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 8.18%, which is 6 percentage points higher than the property & casualty insurance industry average of 2.43%. 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 6.56%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.43%. 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 4.55%, which is 2 percentage points higher than the property & casualty insurance industry average of 2.43%. 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 up 0.12% 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 38 points higher than the property & casualty insurance industry average of 33. It passed 5 out of 7 valuation due diligence checks.

Heritage Insurance Holdings's stock has gained 248.82% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 229 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 B. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

Kingstone Companies has a valuation score of 29, which is -4 points higher than the property & casualty insurance industry average of 33. 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 "B".

Kingstone Companies's stock has gained 211.7% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 192 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 -33 points higher than the property & casualty insurance industry average of 33. 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 6.62% over the next year.

15.79% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 21.05% 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 17.19x.

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. Universal Insurance Holdings (NYSE:UVE)

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)

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