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 13th 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)	Ex-dividend Date	Div. Payment Date
KINS	KINGSTONE COMPANIES INC	$227.03M	N/A	0.00%	$0.0400	N/A	N/A	2
HRTG	HERITAGE INSURANCE HOLDINGS INC	$766.77M	N/A	0.00%	$0.0600	N/A	N/A	0
UVE	UNIVERSAL INSURANCE HOLDINGS INC	$747.52M	2.90%	32.50%	$0.1600	$0.77	62%	10
KMPR	KEMPER CORP	$4.11B	0.96%	17.20%	$0.3100	$0.62	21%	0
HMN	HORACE MANN EDUCATORS CORP	$1.79B	3.12%	49.30%	$0.3500	$1.37	65%	0	2025-06-16	2025-06-30
DGICA	DONEGAL GROUP INC	$743.95M	2.56%	42.10%	$0.1825	$0.53	56%	0
UFCS	UNITED FIRE GROUP INC	$723.31M	2.25%	24.50%	$0.1600	$0.64	50%	2
THG	HANOVER INSURANCE GROUP INC	$6.08B	2.07%	28.70%	$0.9000	$3.50	46%	2
HGTY	HAGERTY INC	$3.26B	N/A	0.00%	N/A	N/A	N/A	N/A
HCI	HCI GROUP INC	$1.92B	0.72%	12.90%	$0.4000	$1.20	16%	0		2025-06-20
SAFT	SAFETY INSURANCE GROUP INC	$1.24B	4.32%	73.50%	$0.9000	$3.60	78%	0	2025-06-02	2025-06-13
ALL	ALLSTATE CORP	$55.11B	1.36%	25.30%	$1.0000	$2.84	30%	0
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	$2.55B	N/A	0.00%	N/A	N/A	N/A	N/A
ROOT	ROOT INC	$2.12B	N/A	0.00%	N/A	N/A	N/A	N/A
PLMR	PALOMAR HOLDINGS INC	$4.25B	N/A	0.00%	N/A	N/A	N/A	N/A
MCY	MERCURY GENERAL CORP	$3.45B	2.04%	24.70%	$0.3200	$1.27	46%	1	2025-06-12	2025-06-26
PGR	PROGRESSIVE CORP	$167.44B	1.72%	33.00%	$0.1000	$4.90	38%	7	2025-07-03	2025-07-11
NODK	NI HOLDINGS INC	$277.57M	N/A	0.00%	N/A	N/A	N/A	N/A
L	LOEWS CORP	$18.65B	0.28%	4.00%	$0.0600	$0.25	4%	0	2025-05-28	2025-06-10
TRV	TRAVELERS COMPANIES INC	$62.01B	1.53%	22.50%	$1.0500	$4.20	34%	0	2025-06-10	2025-06-30
ACIC	AMERICAN COASTAL INSURANCE CORP	$540.59M	N/A	32.70%	$0.0600	N/A	N/A	0
WRB	BERKLEY W R CORP	$27.90B	1.91%	32.30%	$0.0800	$1.40	43%	14
SIGI	SELECTIVE INSURANCE GROUP INC	$5.41B	1.25%	39.50%	$0.3800	$1.11	27%	0
BOW	BOWHEAD SPECIALTY HOLDINGS INC	$1.26B	N/A	0.00%	N/A	N/A	N/A	N/A
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	$4.71B	0.05%	9.30%	$1.0000	$1.00	0%	0
AII	AMERICAN INTEGRITY INSURANCE GROUP INC	N/A	N/A	0.00%	N/A	N/A	N/A	N/A
STC	STEWART INFORMATION SERVICES CORP	$1.80B	3.06%	74.50%	$0.5000	$1.98	64%	0
CNA	CNA FINANCIAL CORP	$13.03B	6.94%	114.90%	$2.4600	$3.34	90%	9		2025-06-05
MKL	MARKEL GROUP INC	$24.09B	N/A	0.00%	N/A	N/A	N/A	N/A
CB	CHUBB LTD	$117.00B	1.25%	17.40%	$0.9100	$3.64	28%	0	2025-06-13	2025-07-03
KNSL	KINSALE CAPITAL GROUP INC	$11.10B	0.10%	3.50%	$0.1700	$0.47	1%	0	2025-05-29	2025-06-12
CINF	CINCINNATI FINANCIAL CORP	$23.47B	2.20%	35.60%	$0.8700	$3.30	49%	0	2025-06-23	2025-07-15
AFG	AMERICAN FINANCIAL GROUP INC	$10.50B	6.61%	95.70%	$0.8000	$8.31	89%	21
LMND	LEMONADE INC	$2.33B	N/A	0.00%	N/A	N/A	N/A	N/A
RLI	RLI CORP	$6.94B	3.42%	84.20%	$0.1500	$2.59	68%	10
GBLI	GLOBAL INDEMNITY GROUP LLC	$441.80M	3.39%	69.70%	$0.3500	$1.05	68%	0
CNFR	CONIFER HOLDINGS INC	$10.14M	N/A	0.00%	N/A	N/A	N/A	N/A
PRA	PROASSURANCE CORP	$1.19B	N/A	0.00%	$0.0500	N/A	N/A	5

Property & Casualty Insurance Stocks FAQ

What are the best property & casualty insurance stocks to buy right now in May 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 38 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: B, Sentiment: C, Safety: C, Financials: C, and AI: C.

Kingstone Companies (NASDAQ:KINS) has a Due Diligence Score of 42, which is 6 points higher than the property & casualty insurance industry average of 36.

KINS passed 18 out of 38 due diligence checks and has strong fundamentals. Kingstone Companies has seen its stock return 234.23% over the past year, overperforming other property & casualty insurance stocks by 217 percentage points.

2. Heritage Insurance Holdings (NYSE:HRTG)

Heritage Insurance Holdings (NYSE:HRTG) is the #2 top property & casualty insurance stock out of 38 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 4 points higher than the property & casualty insurance industry average of 36.

HRTG passed 16 out of 38 due diligence checks and has average fundamentals. Heritage Insurance Holdings has seen its stock return 170.38% 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 17.22% from Heritage Insurance Holdings's current stock price of $24.74.

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.

3. Universal Insurance Holdings (NYSE:UVE)

Universal Insurance Holdings (NYSE:UVE) is the #3 top property & casualty insurance stock out of 38 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 -3 points lower than the property & casualty insurance industry average of 36. 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 31.68% over the past year, overperforming other property & casualty insurance stocks by 15 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 6.94%, which is 5 percentage points higher than the property & casualty insurance industry average of 2.33%. Cna Financial's dividend payout is not stable, having dropped more than 10% nine 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 6.61%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.33%. 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 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 4.32%, which is 2 percentage points higher than the property & casualty insurance industry average of 2.33%. 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 -0.3% in the last day, and up 1.33% 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 36 points higher than the property & casualty insurance industry average of 35. It passed 5 out of 7 valuation due diligence checks.

Heritage Insurance Holdings's stock has gained 170.38% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 153 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 -6 points higher than the property & casualty insurance industry average of 35. 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 234.23% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 217 percentage points.

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 8 points higher than the property & casualty insurance industry average of 35. It passed 3 out of 7 valuation due diligence checks.

American Coastal Insurance's stock has dropped -19.34% in the past year. It has underperformed other stocks in the property & casualty insurance industry by -36 percentage points.

Are property & casualty insurance stocks a good buy now?

42.86% of property & casualty insurance stocks rated by analysts are a buy right now. On average, analysts expect property & casualty insurance stocks to rise by 3.88% over the next year.

11.43% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 28.57% of property & casualty insurance stocks are rated B (Buy), 54.29% are rated C (Hold), 5.71% 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 17.85x.

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.