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 Dividends

Insurance - Property & Casualty is Zen Rated A and is the 8th ranked industry out of 145 stock market industries

Ticker	Company	Market Cap	Dividend Yield	Payout Ratio	Last Dividend	Annual Dividend	Dividend Percentile	Dividend Dropped Count (L10Y)	Div. Payment Date
UVE	UNIVERSAL INSURANCE HOLDINGS INC	$832.28M	2.62%	32.40%	$0.1600	$0.77	57%	10
KINS	KINGSTONE COMPANIES INC	$208.86M	0.34%	2.30%	$0.0500	$0.05	5%	2
ALL	ALLSTATE CORP	$52.81B	1.96%	17.80%	$1.0000	$3.92	44%	0
THG	HANOVER INSURANCE GROUP INC	$6.16B	2.09%	23.00%	$0.9000	$3.60	47%	2
HMN	HORACE MANN EDUCATORS CORP	$1.82B	3.11%	40.60%	$0.3500	$1.39	65%	0
HCI	HCI GROUP INC	$2.33B	0.79%	12.90%	$0.4000	$1.60	18%	0
HRTG	HERITAGE INSURANCE HOLDINGS INC	$835.58M	N/A	0.00%	$0.0600	N/A	N/A	0
UFCS	UNITED FIRE GROUP INC	$793.82M	2.06%	17.70%	$0.1600	$0.64	46%	2
MCY	MERCURY GENERAL CORP	$4.45B	1.59%	18.10%	$0.3180	$1.27	36%	1
STC	STEWART INFORMATION SERVICES CORP	$1.96B	2.89%	63.30%	$0.5250	$2.03	61%	0
ACIC	AMERICAN COASTAL INSURANCE CORP	$586.53M	N/A	32.70%	$0.0600	N/A	N/A	0
SLDE	SLIDE INSURANCE HOLDINGS INC	$1.93B	N/A	N/A	N/A	N/A	N/A	N/A
TRV	TRAVELERS COMPANIES INC	$60.66B	1.60%	18.50%	$1.1000	$4.30	36%	0
HGTY	HAGERTY INC	$4.16B	N/A	0.00%	N/A	N/A	N/A	N/A
MKL	MARKEL GROUP INC	$24.25B	N/A	0.00%	N/A	N/A	N/A	N/A
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	$4.87B	0.05%	1.30%	$1.0000	$1.00	0%	0
SAFT	SAFETY INSURANCE GROUP INC	$1.04B	5.17%	73.50%	$0.9200	$3.62	83%	0
SIGI	SELECTIVE INSURANCE GROUP INC	$5.04B	1.38%	24.20%	$0.3800	$1.14	31%	0
CINF	CINCINNATI FINANCIAL CORP	$24.45B	2.19%	28.80%	$0.8700	$3.42	49%	0
DGICA	DONEGAL GROUP INC	$708.27M	2.77%	29.50%	$0.1825	$0.54	59%	0
KMPR	KEMPER CORP	$2.91B	0.67%	11.60%	$0.3100	$0.31	14%	0
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	$2.01B	N/A	0.00%	N/A	N/A	N/A	N/A
AII	AMERICAN INTEGRITY INSURANCE GROUP INC	$466.60M	N/A	N/A	N/A	N/A	N/A	N/A
CNA	CNA FINANCIAL CORP	$12.52B	8.26%	118.00%	$0.4600	$3.82	93%	10
PLMR	PALOMAR HOLDINGS INC	$3.15B	N/A	0.00%	N/A	N/A	N/A	N/A
ROOT	ROOT INC	$1.23B	N/A	0.00%	N/A	N/A	N/A	N/A
PGR	PROGRESSIVE CORP	$132.78B	2.16%	27.50%	$0.1000	$4.90	48%	7
LMND	LEMONADE INC	$3.88B	N/A	0.00%	N/A	N/A	N/A	N/A
WRB	BERKLEY W R CORP	$28.97B	1.75%	35.70%	$0.0900	$1.34	40%	15
L	LOEWS CORP	$20.81B	0.25%	3.90%	$0.0630	$0.25	3%	0
CB	CHUBB LTD	$110.96B	1.35%	16.20%	$0.9700	$3.76	31%	0
RLI	RLI CORP	$5.72B	4.20%	73.80%	$0.1600	$2.62	78%	10
ASIC	ATEGRITY SPECIALTY INSURANCE CO HOLDINGS	$878.66M	N/A	N/A	N/A	N/A	N/A	N/A
BOW	BOWHEAD SPECIALTY HOLDINGS INC	$876.91M	N/A	0.00%	N/A	N/A	N/A	N/A
AFG	AMERICAN FINANCIAL GROUP INC	$11.38B	5.57%	92.30%	$0.8000	$7.60	86%	20	2025-10-24
KNSL	KINSALE CAPITAL GROUP INC	$10.79B	0.14%	3.30%	$0.1700	$0.66	1%	0
GBLI	GLOBAL INDEMNITY GROUP LLC	$413.16M	3.63%	70.00%	$0.3500	$1.05	72%	0
PRA	PROASSURANCE CORP	$1.23B	N/A	0.00%	$0.0500	N/A	N/A	5
NODK	NI HOLDINGS INC	$279.32M	N/A	0.00%	N/A	N/A	N/A	N/A
PRHI	PRESURANCE HOLDINGS INC	$17.11M	N/A	0.00%	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 Oct 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. Universal Insurance Holdings (NYSE:UVE)

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

Universal Insurance Holdings (NYSE:UVE) has a Due Diligence Score of 41, which is 7 points higher than the property & casualty insurance industry average of 34.

UVE passed 15 out of 38 due diligence checks and has strong fundamentals. Universal Insurance Holdings has seen its stock return 49.42% over the past year, overperforming other property & casualty insurance stocks by 39 percentage points.

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: B, Safety: C, Financials: C, 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 17 out of 38 due diligence checks and has strong fundamentals. Kingstone Companies has seen its stock return 50.41% over the past year, overperforming other property & casualty insurance stocks by 40 percentage points.

3. Allstate (NYSE:ALL)

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

Allstate (NYSE:ALL) has a Due Diligence Score of 43, which is 9 points higher than the property & casualty insurance industry average of 34.

ALL passed 15 out of 38 due diligence checks and has strong fundamentals. Allstate has seen its stock return 3.84% over the past year, underperforming other property & casualty insurance stocks by -7 percentage points.

Allstate has an average 1 year price target of $219.33, an upside of 9.44% from Allstate's current stock price of $200.42.

Allstate stock has a consensus Buy recommendation according to Wall Street analysts. Of the 12 analysts covering Allstate, 50% have issued a Strong Buy rating, 33.33% have issued a Buy, 8.33% have issued a hold, while 0% have issued a Sell rating, and 8.33% have issued a Strong Sell.

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 8.26%, which is 6 percentage points higher than the property & casualty insurance industry average of 2.34%. 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 5.57%, which is 3 percentage points higher than the property & casualty insurance industry average of 2.34%. 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 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 5.17%, which is 3 percentage points higher than the property & casualty insurance industry average of 2.34%. 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 -2.2% in the last day, and down -2.12% over the last week. Kemper was the among the top losers in the insurance - property & casualty industry, dropping -7.88% yesterday.

Kemper shares are trading lower after the company announced that President and Chief Executive Joseph P. Lacher will step down from his roles, effective immediately.

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. Universal Insurance Holdings (NYSE:UVE)

Universal Insurance Holdings (NYSE:UVE) 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.

Universal Insurance Holdings has a valuation score of 71, which is 41 points higher than the property & casualty insurance industry average of 30. It passed 5 out of 7 valuation due diligence checks.

Universal Insurance Holdings's stock has gained 49.42% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 39 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 43, which is 13 points higher than the property & casualty insurance industry average of 30. It passed 3 out of 7 valuation due diligence checks.

Kingstone Companies's stock has gained 50.41% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 40 percentage points.

3. Heritage Insurance Holdings (NYSE:HRTG)

Heritage Insurance Holdings (NYSE:HRTG) 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.

Heritage Insurance Holdings has a valuation score of 57, which is 27 points higher than the property & casualty insurance industry average of 30. It passed 4 out of 7 valuation due diligence checks.

Heritage Insurance Holdings's stock has gained 145.76% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 135 percentage points.

Are property & casualty insurance stocks a good buy now?

34.48% of property & casualty insurance stocks rated by analysts are a buy right now. On average, analysts expect property & casualty insurance stocks to rise by 11.49% 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 13.19x.

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. Universal Insurance Holdings (NYSE:UVE)

2. Kingstone Companies (NASDAQ:KINS)

3. Allstate (NYSE:ALL)

1. Cna Financial (NYSE:CNA)

2. American Financial Group (NYSE:AFG)

3. Safety Insurance Group (NASDAQ:SAFT)

1. Universal Insurance Holdings (NYSE:UVE)

2. Kingstone Companies (NASDAQ:KINS)

3. Heritage Insurance Holdings (NYSE:HRTG)

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