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

Insurance - Property & Casualty is Zen Rated A and is the 7th ranked industry out of 145 stock market industries

Ticker	Company	Market Cap	Shares	Institutional %	Insider %	Net Insider (L12M)	Net Insider (L3M)
KINS	KINGSTONE COMPANIES INC	$193.44M	14,140,604	46.61%	32.03%	Net Selling
HCI	HCI GROUP INC	$1.90B	11,547,697	85.93%	10.99%	Net Selling
HRTG	HERITAGE INSURANCE HOLDINGS INC	$696.42M	30,993,270	58.61%	20.93%	Net Selling	Net Buying
ALL	ALLSTATE CORP	$53.69B	263,505,334	79.68%	1.62%	Net Selling	Net Selling
THG	HANOVER INSURANCE GROUP INC	$6.20B	35,771,407	90.19%	5.21%	Net Selling	Net Buying
MCY	MERCURY GENERAL CORP	$4.27B	55,388,627	46.29%	35.78%	Net Buying
UVE	UNIVERSAL INSURANCE HOLDINGS INC	$688.14M	28,318,558	72.04%	27.96%	Net Selling	Net Buying
HMN	HORACE MANN EDUCATORS CORP	$1.86B	40,695,729	95.52%	4.48%	Net Selling	Net Selling
UFCS	UNITED FIRE GROUP INC	$785.66M	25,492,013	21.68%	78.32%	Net Buying	Net Selling
HGTY	HAGERTY INC	$3.84B	341,976,129	22.25%	21.93%	Net Selling	Net Selling
STC	STEWART INFORMATION SERVICES CORP	$2.04B	27,998,523	92.19%	7.81%	Net Selling	Net Selling
ACIC	AMERICAN COASTAL INSURANCE CORP	$525.60M	48,353,412	30.44%	69.56%	Net Selling	Net Selling
SLDE	SLIDE INSURANCE HOLDINGS INC	$1.68B	125,497,433	24.12%	75.60%	Net Selling	Net Selling
PGR	PROGRESSIVE CORP	$144.27B	586,208,487	86.02%	8.84%	Net Selling	Net Selling
MKL	MARKEL GROUP INC	$24.73B	12,652,001	79.14%	3.28%	Net Selling	Net Buying
TRV	TRAVELERS COMPANIES INC	$60.85B	225,133,841	85.43%	1.70%	Net Selling	Net Selling
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	$1.96B	40,402,879	88.09%	11.91%	Net Selling	Net Selling
CINF	CINCINNATI FINANCIAL CORP	$23.99B	156,376,422	69.13%	14.65%	Net Buying	Net Buying
SAFT	SAFETY INSURANCE GROUP INC	$1.10B	14,893,552	64.35%	35.65%	Net Selling	Net Buying
DGICA	DONEGAL GROUP INC	$645.11M	36,508,629	35.93%	16.25%	Net Buying	Net Buying
BOW	BOWHEAD SPECIALTY HOLDINGS INC	$1.02B	32,781,565	31.17%	68.83%	Net Selling	Net Selling
KMPR	KEMPER CORP	$3.35B	62,742,781	63.80%	36.20%	Net Selling	Net Buying
AII	AMERICAN INTEGRITY INSURANCE GROUP INC	$381.65M	19,571,965	41.84%	56.68%	Net Selling
PLMR	PALOMAR HOLDINGS INC	$3.32B	26,783,465	87.39%	12.61%	Net Selling	Net Selling
CNA	CNA FINANCIAL CORP	$13.29B	270,665,399	51.69%	48.31%	Net Selling	Net Selling
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	$4.70B	2,575,161	61.50%	38.50%	Net Selling
L	LOEWS CORP	$20.02B	207,426,395	44.84%	55.16%	Net Selling	Net Selling
ASIC	ATEGRITY SPECIALTY HOLDINGS LLC	$1.08B	48,066,674	12.59%	81.15%	Net Buying	Net Buying
SIGI	SELECTIVE INSURANCE GROUP INC	$4.75B	60,850,304	85.97%	4.41%	Net Selling	Net Buying
LMND	LEMONADE INC	$3.94B	73,886,417	40.84%	59.16%	Net Selling	Net Selling
WRB	BERKLEY W R CORP	$27.02B	379,292,773	45.95%	54.05%	Net Selling	Net Selling
CB	CHUBB LTD	$108.94B	398,690,293	88.87%	1.14%	Net Selling	Net Selling
ROOT	ROOT INC	$1.39B	15,447,334	23.91%	76.09%	Net Selling	Net Selling
RLI	RLI CORP	$6.21B	91,829,470	83.61%	6.41%	Net Buying	Net Buying
KNSL	KINSALE CAPITAL GROUP INC	$10.61B	23,300,001	86.38%	11.91%	Net Selling	Net Selling
AFG	AMERICAN FINANCIAL GROUP INC	$11.39B	83,394,479	43.70%	56.30%	Net Selling	Net Selling
PRA	PROASSURANCE CORP	$1.22B	51,413,643	87.33%	12.67%	Net Buying
GBLI	GLOBAL INDEMNITY GROUP LLC	$422.46M	14,296,328	34.10%	65.90%	Net Buying	Net Buying
CNFR	CONIFER HOLDINGS INC	$9.72M	12,222,881	1.49%	98.51%	Net Buying
NODK	NI HOLDINGS INC	$273.33M	20,675,337	24.32%	64.78%	Net Selling

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. Kingstone Companies (NASDAQ:KINS)

Kingstone Companies (NASDAQ:KINS) 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 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 45, which is 11 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 44.15% over the past year, overperforming other property & casualty insurance stocks by 33 percentage points.

2. Hci Group (NYSE:HCI)

Hci Group (NYSE:HCI) 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 Hci Group (NYSE:HCI) is: Value: C, Growth: C, Momentum: C, Sentiment: B, Safety: C, Financials: B, and AI: B.

Hci Group (NYSE:HCI) has a Due Diligence Score of 54, which is 20 points higher than the property & casualty insurance industry average of 34.

HCI passed 21 out of 38 due diligence checks and has strong fundamentals. Hci Group has seen its stock return 74.91% over the past year, overperforming other property & casualty insurance stocks by 64 percentage points.

Hci Group has an average 1 year price target of $215.00, an upside of 30.7% from Hci Group's current stock price of $164.50.

Hci Group stock has a consensus Strong Buy recommendation according to Wall Street analysts. Of the 2 analysts covering Hci Group, 50% have issued a Strong Buy rating, 50% have issued a Buy, 0% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

3. Heritage Insurance Holdings (NYSE:HRTG)

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

Heritage Insurance Holdings (NYSE:HRTG) has a Due Diligence Score of 42, which is 8 points higher than the property & casualty insurance industry average of 34.

HRTG passed 17 out of 38 due diligence checks and has strong fundamentals. Heritage Insurance Holdings has seen its stock return 46.29% over the past year, overperforming other property & casualty insurance stocks by 35 percentage points.

Heritage Insurance Holdings has an average 1 year price target of $29.00, an upside of 29.06% from Heritage Insurance Holdings's current stock price of $22.47.

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.

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

Out of 24 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 7.78%, which is 5 percentage points higher than the property & casualty insurance industry average of 2.36%. 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 6.15%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.36%. 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 4.89%, which is 3 percentage points higher than the property & casualty insurance industry average of 2.36%. 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 -0.38% in the last day, and down -0.68% 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. Kingstone Companies (NASDAQ:KINS)

Kingstone Companies (NASDAQ:KINS) 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.

Kingstone Companies has a valuation score of 57, which is 25 points higher than the property & casualty insurance industry average of 32. It passed 4 out of 7 valuation due diligence checks.

Kingstone Companies's stock has gained 44.15% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 33 percentage points.

2. Heritage Insurance Holdings (NYSE:HRTG)

Heritage Insurance Holdings (NYSE:HRTG) 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.

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 46.29% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 35 percentage points.

3. Slide Insurance Holdings (NASDAQ:SLDE)

Slide Insurance Holdings (NASDAQ:SLDE) 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.

Slide Insurance Holdings has a valuation score of 14, which is -18 points higher than the property & casualty insurance industry average of 32. It passed 1 out of 7 valuation due diligence checks. Although this number is below the industry average, our proven quant model rates SLDE a Valuation Rating of "B".

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 12.27% 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), 61.11% are rated C (Hold), 2.78% 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 13.3x.

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. Kingstone Companies (NASDAQ:KINS)

2. Hci Group (NYSE:HCI)

3. Heritage Insurance Holdings (NYSE:HRTG)

1. Cna Financial (NYSE:CNA)

2. American Financial Group (NYSE:AFG)

3. Safety Insurance Group (NASDAQ:SAFT)

1. Kingstone Companies (NASDAQ:KINS)

2. Heritage Insurance Holdings (NYSE:HRTG)

3. Slide Insurance Holdings (NASDAQ:SLDE)

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