You don’t need to purchase insurance from companies that are supporting fossil fuels. Use our directory to find climate smart insurance providers where you live.

State-By-State Directory

Green America’s Climate Smart Insurance Directory provides alternatives to the mega-insurance companies that are underwriting and investing in fossil fuels.

Choose your state Select a state Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Washington, DC Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Puerto Rico

How It Works

In 2024, Green America pioneered the first Climate Smart Insurance Directory, a unique listing of property insurance companies in every state that do not insure fossil fuel projects and invest minimally in the fossil fuel industry.  

Now we have upgraded this directory to be truly comprehensive, using data reported by property insurance companies to the National Association of Insurance Commissioners. 

This directory lists property insurance companies that: 

• Offer home insurance, auto insurance, or both home and auto insurance to consumers. Note: Most companies offering home insurance also offer renters insurance.  

• Do not insure fossil fuel projects that we know of (this information is not always available).  

• Have low to no direct investments in the fossil fuel industry, graded as follows: Grade A (less than $100 million), Grade B ($100 million to $250 million), and Grade C ($250 million to $500 million). No companies with more than $500 million invested in the fossil fuel industry are listed.  

• Have no more than 3.5% of the total investment portfolio in fossil fuels. 

• Have a claims nonpayment rate of less than 40% as tracked by Weiss Ratings. 

• Have a rating of A- or above for financial stability from either AM Best or Demotech. About 40 smaller companies have no financial rating but otherwise qualify for listing. Those are denoted with an asterisk*. 

Have you already made the switch to a climate smart insurance company? Let us know! Email Cathy Becker, Responsible Finance Campaign Director, at cbecker@greenamerica.org. 

Credits 

To create a comprehensive Climate Smart Insurance Directory, Green America obtained 2025 investment data reported by all property insurance companies doing business in the United States to the National Association of Insurance Commissioners. The NAIC does not endorse any analysis or conclusions based upon use of its data. 

Equally important was our work with Urgewald, a nonprofit environmental and human rights organization based in Germany, to analyze this data. Urgewald keeps the Global Coal Exit List, Metallurgical Coal Exit List, and Global Oil and Gas Exit List.  

By cross-listing property insurance company investments in stocks and bonds with the thousands of fossil fuel companies they track, Urgewald was able to clearly identify investments in fossil fuels and the percentage of overall portfolios invested. 

We then worked with Urgewald’s researcher Clara Freudenberg to vet each company to ensure they serve individual consumers, not commercial or specialty insurance, and they meet our criteria for listing in the directory. A huge thank you to Clara and Urgewald! 

Endorsements

The Climate Smart Insurance Directory is endorsed by the following organizations:

Ready to move to a climate smart insurance company? Learn how to make the switch.  

Next: How to Switch to Climate Smart Insurance

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