Sectors & Industries Financial ServicesInsurance - Property & Casualty
Best Property & Casualty Insurance Stocks to Buy Now (2026)
Top property & casualty insurance stocks in 2026 ranked by overall Zen Rating. "A" Rated stocks have returned an average of +28.50% per year, and are the best property & casualty insurance stocks to buy now. Learn More.

Industry: Insurance - Property & Ca...

Growth Financials Momentum Sentiment Forecast Dividends Due Diligence

Property & Casualty Insurance is Zen Rated A and is the 17th ranked industry out of 145 stock market industries

Ticker	Company	Price	Graham Fair Value	Graham Fair Value %	P/E	Forward P/E	P/S	P/B	PEG	Free Cash Flow	Free Cash Flow Yield	Book Value	BVPS	EV	EV/EBITDA
KINS	KINGSTONE COMPANIES INC	$19.31	$18.21	6.02%	7.76x	7.01x	1.18x	2.16x	0.84x	$83.08M	29.71%	$129.16M	8.92	$266.41M	5.63
UVE	UNIVERSAL INSURANCE HOLDINGS INC	$47.89	N/A	N/A	6.04x	7.74x	0.81x	2.09x	N/A	$339.76M	25.69%	$637.16M	23.07	$829.85M	2.71
MCY	MERCURY GENERAL CORP	$105.03	N/A	N/A	6.21x	7.85x	0.92x	2.05x	N/A	$1.29B	22.09%	$2.84B	51.20	$5.08B	3.99
ALL	ALLSTATE CORP	$249.91	N/A	N/A	4.94x	6.95x	0.91x	1.88x	N/A	$12.25B	19.15%	$33.70B	131.63	$69.84B	3.93
HRTG	HERITAGE INSURANCE HOLDINGS INC	$36.98	N/A	N/A	5.25x	6.63x	1.30x	1.94x	N/A	$300.91M	27.11%	$567.73M	18.91	$589.96M	1.92
AII	AMERICAN INTEGRITY INSURANCE GROUP INC	$28.95	N/A	N/A	6.55x	6.66x	1.69x	1.54x	N/A	$163.64M	28.86%	$369.52M	18.87	$256.83M	2.07
SLDE	SLIDE INSURANCE HOLDINGS INC	$27.34	N/A	N/A	5.88x	6.92x	2.27x	2.67x	N/A	$1.03B	32.79%	$1.19B	10.35	$1.41B	1.89
UFCS	UNITED FIRE GROUP INC	$56.67	N/A	N/A	10.27x	11.16x	0.99x	1.49x	N/A	$268.44M	18.45%	$977.34M	38.06	$1.46B	7.29
SKWD	SKYWARD SPECIALTY INSURANCE GROUP INC	$61.67	$36.35	69.63%	13.95x	12.07x	1.58x	2.16x	1.13x	$402.17M	14.65%	$1.27B	28.47	$2.87B	10.84
AFG	AMERICAN FINANCIAL GROUP INC	$149.24	$67.57	120.87%	13.05x	11.72x	1.50x	2.57x	2.95x	$1.44B	11.61%	$4.82B	58.08	$12.76B	9.23
HMN	HORACE MANN EDUCATORS CORP	$46.46	$32.98	40.88%	10.73x	9.55x	1.09x	1.25x	1.05x	$566.10M	29.79%	$1.50B	36.75	$2.43B	8.64
DGICA	DONEGAL GROUP INC	$18.77	N/A	N/A	9.58x	10.12x	0.72x	1.05x	N/A	$58.39M	8.38%	$666.11M	17.95	$708.01M	7.73
SIGI	SELECTIVE INSURANCE GROUP INC	$89.44	$43.17	107.18%	11.01x	10.70x	0.97x	1.45x	4.56x	$1.19B	22.32%	$3.66B	61.49	$6.22B	8.68
ASIC	ATEGRITY SPECIALTY INSURANCE CO HOLDINGS	$27.60	$15.33	80.03%	12.32x	12.15x	2.56x	1.99x	1.62x	$173.22M	13.07%	$664.39M	13.84	$1.29B	9.41
THG	HANOVER INSURANCE GROUP INC	$231.97	N/A	N/A	10.87x	11.25x	1.20x	2.20x	N/A	$1.25B	15.43%	$3.67B	104.93	$8.66B	8.57
HCI	HCI GROUP INC	$204.28	N/A	N/A	8.49x	10.22x	2.67x	2.35x	N/A	$409.37M	16.11%	$1.08B	86.82	$1.73B	3.93
RLI	RLI CORP	$62.71	N/A	N/A	13.12x	21.48x	2.92x	3.28x	N/A	$517.02M	8.97%	$1.75B	19.06	$6.02B	10.63
L	LOEWS CORP	$111.35	$50.51	120.45%	13.63x	N/A	1.22x	1.19x	2.54x	$1.77B	7.72%	$19.12B	93.02	$31.19B	9.59
WTM	WHITE MOUNTAINS INSURANCE GROUP LTD	$2,213.61	N/A	N/A	5.06x	20.64x	1.32x	0.98x	N/A	$388.20M	7.35%	$5.39B	2,257.62	$6.09B	4.49
PLMR	PALOMAR HOLDINGS INC	$140.53	$79.72	76.28%	18.32x	13.69x	3.39x	3.77x	0.93x	$408.28M	11.03%	$980.94M	37.23	$3.93B	14.03
NODK	NI HOLDINGS INC	$14.75	N/A	N/A	38.82x	N/A	1.15x	1.21x	N/A	-$32.21M	-10.49%	$249.38M	11.98	$249.36M	20.91
ROOT	ROOT INC	$52.53	N/A	N/A	14.20x	11.29x	0.53x	2.48x	N/A	$179.20M	21.73%	$327.90M	20.89	$436.86M	4.60
STC	STEWART INFORMATION SERVICES CORP	$52.42	$43.14	21.50%	11.30x	9.98x	0.50x	0.96x	0.71x	$147.16M	9.22%	$1.66B	54.65	$2.11B	7.90
ACIC	AMERICAN COASTAL INSURANCE CORP	$11.21	N/A	N/A	5.42x	8.26x	1.63x	1.55x	N/A	-$31.04M	-5.75%	$340.79M	7.09	$365.21M	2.46
TRV	TRAVELERS COMPANIES INC	$395.73	N/A	N/A	10.24x	11.32x	1.67x	2.80x	N/A	$10.68B	13.04%	$29.00B	140.14	$90.15B	8.33
CNA	CNA FINANCIAL CORP	$48.40	N/A	N/A	10.61x	11.21x	0.87x	1.17x	N/A	$2.27B	17.29%	$11.19B	41.29	$15.73B	8.86
HGTY	HAGERTY INC	$15.46	$4.18	270.10%	96.63x	481.62x	1.10x	24.66x	1.32x	$278.49M	17.70%	$215.46M	2.12	$5.06B	55.12
CINF	CINCINNATI FINANCIAL CORP	$172.07	N/A	N/A	8.03x	19.87x	1.89x	1.58x	N/A	$3.40B	12.87%	$16.67B	108.62	$25.53B	5.85
MKL	MARKEL GROUP INC	$1,884.10	N/A	N/A	10.33x	18.48x	1.50x	1.23x	N/A	$2.12B	9.07%	$19.01B	1,533.95	$23.64B	6.81
CB	CHUBB LTD	$357.75	$167.88	113.10%	12.55x	12.37x	2.23x	1.83x	2.88x	$15.38B	11.14%	$75.37B	195.37	$157.18B	10.44
WRB	BERKLEY W R CORP	$73.15	$24.62	197.14%	14.96x	14.77x	1.82x	2.76x	10.29x	$3.50B	12.87%	$9.83B	26.49	$27.40B	11.09
PGR	PROGRESSIVE CORP	$221.93	N/A	N/A	11.10x	11.96x	1.42x	3.76x	N/A	$16.01B	12.38%	$34.33B	58.89	$137.22B	8.91
KNSL	KINSALE CAPITAL GROUP INC	$371.99	N/A	N/A	15.02x	17.09x	4.24x	4.16x	N/A	$1.00B	11.82%	$2.04B	89.42	$8.49B	11.61
OIG	ORION180 INSURANCE GROUP INC	$9.45	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	-$125.01M	-0.64	N/A	N/A
KMPR	KEMPER CORP	$29.75	N/A	N/A	-3.56x	14.53x	0.38x	0.80x	N/A	$399.20M	22.77%	$2.19B	37.22	$2.62B	-6.47
LMND	LEMONADE INC	$45.40	N/A	N/A	-24.95x	-23.82x	3.58x	7.03x	N/A	$8.10M	0.23%	$499.50M	6.49	$3.34B	-27.33
GBLI	GLOBAL INDEMNITY GROUP LLC	$23.75	$20.64	15.05%	10.06x	8.68x	0.75x	0.49x	0.71x	-$34.02M	-9.96%	$710.91M	49.44	$257.93M	5.04
BOW	BOWHEAD SPECIALTY HOLDINGS INC	$34.03	$16.96	100.67%	18.01x	16.81x	1.82x	2.37x	1.21x	$328.81M	29.38%	$473.94M	14.41	$1.10B	12.30
PRHI	PRESURANCE HOLDINGS INC	$6.94	N/A	N/A	-0.67x	N/A	0.81x	0.94x	N/A	-$46.06M	-177.15%	$27.75M	7.41	$25.51M	-2.17
SAFT	SAFETY INSURANCE GROUP INC	$104.13	$41.09	153.44%	22.39x	24.60x	1.18x	1.74x	1.56x	$175.72M	11.62%	$876.65M	60.37	$1.52B	16.25

Property & Casualty Insurance Stocks FAQ

What are the best property & casualty insurance stocks to buy right now in Oct 2026?

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 +28.5% per year. Learn more.

The Component Grade breakdown for Kingstone Companies (NASDAQ:KINS) is: Value: A, Growth: C, Momentum: B, Sentiment: A, Safety: C, Financials: C, and AI: A.

Kingstone Companies (NASDAQ:KINS) has a Due Diligence Score of 47, which is 11 points higher than the property & casualty insurance industry average of 36.

KINS passed 19 out of 38 due diligence checks and has strong fundamentals. Kingstone Companies has seen its stock return 29.73% over the past year, overperforming other property & casualty insurance stocks by 20 percentage points.

2. Universal Insurance Holdings (NYSE:UVE)

Universal Insurance Holdings (NYSE:UVE) 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 +28.5% per year. Learn more.

The Component Grade breakdown for Universal Insurance Holdings (NYSE:UVE) is: Value: B, Growth: C, Momentum: B, Sentiment: C, Safety: C, Financials: B, and AI: B.

Universal Insurance Holdings (NYSE:UVE) has a Due Diligence Score of 42, which is 6 points higher than the property & casualty insurance industry average of 36.

UVE passed 16 out of 38 due diligence checks and has strong fundamentals. Universal Insurance Holdings has seen its stock return 67.68% over the past year, overperforming other property & casualty insurance stocks by 58 percentage points.

Universal Insurance Holdings has an average 1 year price target of $45.00, a downside of -6.03% from Universal Insurance Holdings's current stock price of $47.89.

Universal Insurance Holdings stock has a consensus Hold recommendation according to Wall Street analysts. Of the 1 analyst covering Universal Insurance Holdings, 0% have issued a Strong Buy rating, 0% have issued a Buy, 100% have issued a hold, while 0% have issued a Sell rating, and 0% have issued a Strong Sell.

3. Mercury General (NYSE:MCY)

Mercury General (NYSE:MCY) 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 +28.5% per year. Learn more.

The Component Grade breakdown for Mercury General (NYSE:MCY) is: Value: B, Growth: C, Momentum: C, Sentiment: A, Safety: C, Financials: C, and AI: A.

Mercury General (NYSE:MCY) has a Due Diligence Score of 42, which is 6 points higher than the property & casualty insurance industry average of 36.

MCY passed 16 out of 38 due diligence checks and has strong fundamentals. Mercury General has seen its stock return 32.1% 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 29 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 8.06%, which is 5 percentage points higher than the property & casualty insurance industry average of 2.65%. 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 85.1% indicates that its high dividend yield is sustainable for the long-term.

2. American Coastal Insurance (NASDAQ:ACIC)

American Coastal Insurance (NASDAQ:ACIC) has an annual dividend yield of 6.69%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.65%. American Coastal Insurance's dividend payout is stable, having never dropped by more than 10% in the last 10 years. American Coastal Insurance's dividend has shown consistent growth over the last 10 years.

American Coastal Insurance's dividend payout ratio of 36.2% indicates that its high dividend yield is sustainable for the long-term.

3. Progressive (NYSE:PGR)

Progressive (NYSE:PGR) has an annual dividend yield of 6.26%, which is 4 percentage points higher than the property & casualty insurance industry average of 2.65%. Progressive's dividend payout is not stable, having dropped more than 10% seven times in the last 10 years. Progressive's dividend has not shown consistent growth over the last 10 years.

Progressive's dividend payout ratio of 69.5% indicates that its high dividend yield is sustainable for the long-term.

Why are property & casualty insurance stocks up?

Property & casualty insurance stocks were up 1.6% in the last day, and up 4.85% over the last week.

We couldn't find a catalyst for why property & casualty insurance stocks are up.

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 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.

Kingstone Companies's stock has gained 29.73% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 20 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 A. Valuation is one of 7 Component Grades used to calculate the overall Zen Rating.

Heritage Insurance Holdings has a valuation score of 43, which is 10 points higher than the property & casualty insurance industry average of 33. It passed 3 out of 7 valuation due diligence checks.

Heritage Insurance Holdings's stock has gained 59.33% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 49 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 43, which is 10 points higher than the property & casualty insurance industry average of 33. It passed 3 out of 7 valuation due diligence checks.

American Integrity Insurance Group's stock has gained 27.59% in the past year. It has overperformed other stocks in the property & casualty insurance industry by 17 percentage points.

Are property & casualty insurance stocks a good buy now?

41.38% of property & casualty insurance stocks rated by analysts are a hold right now. On average, analysts expect property & casualty insurance stocks to rise by 3.85% over the next year.

11.11% of property & casualty insurance stocks have a Zen Rating of A (Strong Buy), 19.44% of property & casualty insurance stocks are rated B (Buy), 69.44% 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 11.31x.

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. Universal Insurance Holdings (NYSE:UVE)

3. Mercury General (NYSE:MCY)

1. Cna Financial (NYSE:CNA)

2. American Coastal Insurance (NASDAQ:ACIC)

3. Progressive (NYSE:PGR)

1. Kingstone Companies (NASDAQ:KINS)

2. Heritage Insurance Holdings (NYSE:HRTG)

3. American Integrity Insurance Group (NYSE:AII)

Company

Stock Tools

Stock Ideas