Homeowners Complaint Composite Report (2024)

50 Large Homeowners Insurers Licensed to Conduct Business in California

Ratio for Complaint Years 2023, 2022, and 2021

TheHomeowners Complaint Composite report is also available as a single pagePDF format.

2023 Rank	Company Name	2023 Approx. Exposure Count	Justified Complaint Ratio			Number of Justified Complaints
2023 Rank	Company Name	2023 Approx. Exposure Count	2023	2022	2021	2023	2022	2021
1	AMERICAN NATIONAL PROPERTY AND CASUALTY COMPANY	105,710	0.0	0.0	2.2	0	0	2
2	MARKEL AMERICAN INSURANCE COMPANY	50,731	0.0	0.0	0.0	0	0	0
3	INTERINSURANCE EXCHANGE OF THE AUTOMOBILE CLUB	913,759	1.2	0.9	2.0	11	8	16
4	UNITED SERVICES AUTOMOBILE ASSOCIATION	225,597	1.3	2.9	2.3	3	6	5
5	USAA GENERAL INDEMNITY COMPANY	134,043	1.5	1.6	1.6	2	2	2
6	GARRISON PROPERTY AND CASUALTY INSURANCE COMPANY	128,203	1.6	0.0	0.9	2	0	1
7	STATE FARM GENERAL INSURANCE COMPANY	2,323,301	1.6	1.4	2.2	37	33	50
8	USAA CASUALTY INSURANCE COMPANY	250,624	1.6	1.8	2.6	4	4	6
9	WAWANESA GENERAL INSURANCE COMPANY	48,036	2.1	2.0	3.7	1	1	2
10	NATIONWIDE MUTUAL INSURANCE COMPANY	266,670	2.2	5.1	11.3	6	11	25
11	CENTURY-NATIONAL INSURANCE COMPANY	41,998	2.4	0.0	0.0	1	0	0
12	HOMESITE INSURANCE COMPANY OF CALIFORNIA	234,542	2.6	2.5	2.7	6	6	6
13	UNIVERSAL NORTH AMERICA INSURANCE COMPANY	38,311	2.6	21.3	7.0	1	10	4
14	ALLSTATE INSURANCE COMPANY	703,991	2.8	3.5	5.7	20	25	40
15	CALIFORNIA CAPITAL INSURANCE COMPANY	69,420	2.9	3.3	10.9	2	2	7
16	LIBERTY INSURANCE CORPORATION	233,146	3.0	4.2	3.6	7	10	9
17	AMERICAN SECURITY INSURANCE COMPANY	91,645	3.3	2.5	8.1	3	2	6
18	SAFECO INSURANCE COMPANY OF AMERICA	304,957	3.3	1.7	2.4	10	5	7
19	AMERICAN MODERN HOME INSURANCE COMPANY	53,192	3.8	2.0	0.0	2	1	0
20	FIRST NATIONAL INSURANCE COMPANY OF AMERICA	100,012	4.0	1.0	6.2	4	1	6
21	STILLWATER INSURANCE COMPANY	111,198	4.5	1.8	2.5	5	2	2
22	INTEGON NATIONAL INSURANCE COMPANY	83,417	4.8	2.4	4.6	4	2	4
23	AMERICAN FAMILY CONNECT PROPERTY AND CASUALTY INSURANCE COMPANY	119,169	5.0	3.7	7.9	6	4	7
24		77,438	5.2	1.3	5.0	4	1	4
25	CALIFORNIA AUTOMOBILE INSURANCE COMPANY	638,184	5.2	0.9	1.8	33	6	11
26	FOREMOST INSURANCE COMPANY GRAND RAPIDS, MICHIGAN	267,782	5.6	1.1	1.6	15	3	4
27	STANDARD FIRE INSURANCE COMPANY (THE)	321,015	5.6	2.8	1.3	18	9	2
28	AMGUARD INSURANCE COMPANY	50,607	5.9	26.4	29.8	3	13	12
29	RESIDENCE MUTUAL INSURANCE COMPANY	49,573	6.1	5.7	1.8	3	3	1
30	AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA	246,638	6.1	3.5	6.4	15	8	14
31	PACIFIC SPECIALTY INSURANCE COMPANY	208,808	6.2	6.2	6.3	13	12	12
32	PROPERTY AND CASUALTY INSURANCE COMPANY OF HARTFORD	46,324	6.5	8.1	11.2	3	4	6
33	GENERAL INSURANCE COMPANY OF AMERICA	208,766	6.7	2.6	3.7	14	5	6
34	ZURICH AMERICAN INSURANCE COMPANY	53,460	7.5	16.3	9.4	4	9	5
35	FIRE INSURANCE EXCHANGE	871,681	7.8	1.8	1.4	68	16	13
36	CSAA INSURANCE EXCHANGE	633,098	8.1	2.3	2.7	51	14	17
37	SAFECO INSURANCE COMPANY OF ILLINOIS	58,955	8.5	0.0	0.0	5	0	0
38	SUTTON NATIONAL INSURANCE COMPANY	80,170	8.7	0.0	0.0	7	0	0
39	CSE SAFEGUARD INSURANCE COMPANY	40,807	9.8	4.0	4.7	4	2	3
40	SPINNAKER INSURANCE COMPANY	140,056	11.4	21.6	4.2	16	23	3
41	LEMONADE INSURANCE COMPANY	350,192	11.7	4.9	9.0	41	16	25
42	ASI SELECT INSURANCE CORP	67,222	11.9	1.4	4.9	8	1	3
43	HOMESITE INSURANCE COMPANY OF THE MIDWEST	67,645	14.8	6.9	11.3	10	4	5
44	QBE INSURANCE CORPORATION	44,454	15.7	8.5	8.4	7	4	4
45	CALIFORNIA CASUALTY INDEMNITY EXCHANGE (THE)	60,081	16.6	8.2	9.9	10	5	6
46	AMERICAN MODERN PROPERTY AND CASUALTY INSURANCE COMPANY	107,346	21.4	9.5	17.2	23	10	20
47	FARMERS DIRECT PROPERTY AND CASUALTY INSURANCE COMPANY	37,746	23.8	5.1	2.6	9	2	1
48	FARMERS INSURANCE EXCHANGE	436,610	24.0	4.5	2.3	105	18	8
49	MID-CENTURY INSURANCE COMPANY	207,839	31.8	4.5	0.8	66	10	2
50	KEMPER INDEPENDENCE INSURANCE COMPANY	38,417	46.9	2.2	8.2	18	1	4

Note: Complaint Ratio is based on the number of Justified Complaints to 100,000 Earned Exposures. Exposures include renters, mobile homes, and condos.

Other Complaint Composite Reports:

Individual Life Complaint Composite Study
Automobile Complaint Composite Study

If the company does not appear on the composite report, please do the following:

Go to Company Profile.
Type in the company's name in the field provided and select "Get Company".
Select the company that you want information on. This will take you to the company's profile.
On the left hand column under "Consumer Complaint," please select "Company Performance & Comparison Data".
The next web page will display the company's performance and comparison data.

If you have any questions regarding this web page or composite report, please contact the Department's Data Analytics and Reporting.

Back to Top

FAQs

What health insurance company has the most complaints? ›

Popular Insurance Companies with the Most Complaints

AAA (15.46)
Allstate (3.55)
USAA (2.62)
Liberty Mutual (2.23)
Farmers (1.07)

Feb 8, 2023

Read On ›

Which insurance company has the most complaints in the USA? ›

What insurance company has the most complaints? The auto insurance company with the most complaints is United Automobile Insurance, which receives roughly 40 times more complaints than the average insurer its size, according to the latest NAIC complaint index.

Discover More Details ›

Why is the complaint index important? ›

Why Is the NAIC Complaint Index Important? The NAIC complaint index can be a gauge of customer satisfaction. If a company receives many more complaints than the typical insurer of its size, that's cause for concern.

What is the justified complaint ratio? ›

The justified complaint ratio is based on the number of justified complaints per 100,000 policies or exposures. For those companies without a ratio, ranking is done by the policy or exposure count.

See Details ›

Which insurance company denies most claims? ›

UnitedHealthcare is the worst insurance company for paying claims with about one-third of claims denied. Kaiser Permanente is the best large health insurance company for paying claims, denying only 7% of medical bills. Currently insured? It's free, simple and secure.

Find Out More ›

Which home insurance company has the lowest complaint index? ›

Ratio for Complaint Years 2023, 2022, and 2021

2023 Rank	Company Name	Number of Justified Complaints
2023 Rank	Company Name	2023
1	AMERICAN NATIONAL PROPERTY AND CASUALTY COMPANY	0
2	MARKEL AMERICAN INSURANCE COMPANY	0
3	INTERINSURANCE EXCHANGE OF THE AUTOMOBILE CLUB	11

47 more rows

Tell Me More ›

Which homeowners insurance company has the highest customer satisfaction? ›

The best home insurance companies at a glance

Best for consumer satisfaction: Amica.
Best for using an agent: Auto-Owners.
Best for high-value homes: Chubb.
Best for discounts: Country Financial.
Best for coverage: Erie.
Best regional insurer: NJM.
Best for military members and veterans: USAA.

6 days ago

Show Me More ›

Who is the number one home insurance company in America? ›

With a score of 4.1 out of 5, Amica ranks as the top homeowners insurance company in California, based on our research. Amica offers homeowners numerous coverage options and a variety of discount opportunities.

Explore More ›

Who is the most trusted insurance company? ›

Here are the best car insurance companies of 2024:

Travelers: Best insurance company overall.
American Family: Best for affordability.
Geico: Best for accident forgiveness.
NJM: Best for having few customer complaints.
Auto-Owners: Best for financial strength.
Amica: Best for discounts.

More items...

What company has the cheapest homeowners insurance? ›

Top Cheapest Homeowners Insurance Companies

Auto-Owners: Our top pick.
Allstate: Best for discounts.
USAA: Best for military members and veterans.
Erie: Best for customer satisfaction.
State Farm: Best for value.

Show Me More ›

Which health insurance has the lowest complaint index? ›

Kaiser's coordinated care experience offers an integrated approach within its own network. Though this can limit flexibility, it's part of the reason why Kaiser Permanente has the lowest level of member complaints in our list of best health insurance companies.

Read The Full Story ›

What is a normal complaint rate? ›

A "normal" complaint rate is considered to be 0.02% - 1 complaint per 4000-5000 emails delivered. The highest threshold we recommend is 0.1% - 1 complaint per 1000 emails delivered.

See Details ›

What is a good complaints rate? ›

Industry standards generally suggest that a healthy spam complaint rate should be below 0.1%. Staying below this threshold is essential for maintaining a good relationship with email service providers and ensuring your emails reach your subscribers' inboxes.

Get More Info Here ›

What is the ideal complaint rate? ›

If you achieve the ideal spam complaint rate of 0.1% or less, you're in good shape.

Who is the number 1 health insurance in the US? ›

Best health insurance companies of 2024

Kaiser Permanente: Best health insurance. Blue Cross Blue Shield: Best health insurance for the self-employed. UnitedHealthcare: Best health insurance provider network. Aetna: Best health insurance for young adults.

Which health insurance company has the highest customer satisfaction? ›

Kaiser Permanente is the top health insurer in the nation for affordability, customer satisfaction, and trustworthiness, according to Insure.com. Insure.com uses industry data and consumer feedback to rate health insurance companies. Kaiser Permanente earned the highest overall rating: 4.2 out of 5 stars.

View Details ›

What are the top two areas of insurance that have the most complaints? ›

As of June 22, 2023, 7,922 complaints were filed about private passenger auto insurance, or 15.2% of total complaints. That's followed by homeowners insurance at 6,118 complaints (or 11.8% of total complaints) and individual accident and health insurance at 4,959 complaints (or 9.5%).