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CA Department of Insurance
CA Department of Insurance
CA Department of Insurance

Homeowners Complaint Composite Report

50 Large Homeowners Insurers Licensed to Conduct Business in California

Ratio for Complaint Years 2019, 2018 and 2017

The Homeowners Complaint Composite report is also available as a single page Excel format.

2019 Rank Company Name 2019 Approx. Exposure Count Justified Complaint
Ratio
Number of Justified Complaints
2019 2018 2017 2019 2018 2017
1 First Natl Ins Co Of Amer 89,164 0.0 1.2 6.0 0 1 5
2 American Natl Prop & Cas Co 70,542 0.0 0.0 0.0 0 0 0
3 Nationwide Mut Ins Co 65,347 0.0 new new 0 0 0
4 Travelers Prop Cas Ins Co 53,774 0.0 6.5 0.0 0 3 0
5 Nationwide Ins Co Of Amer 42,209 0.0 3.2 1.6 0 2 1
6 Metropolitan Drt Prop & Cas Ins Co 34,963 0.0 17.3 2.9 0 6 1
7 California Automobile Ins Co 562,004 0.7 2.1 2.7 4 11 13
8 USAA Gen Ind Co 111,467 0.9 1.9 1.1 1 2 1
9 Safeco Ins Co Of Amer 281,619 1.4 0.0 2.8 4 0 8
10 Residence Mut Ins Co 63,656 1.6 5.9 1.4 1 4 1
11 United Serv Automobile Assn 221,295 1.8 4.5 0.9 4 10 2
12 Wawanesa Gen Ins Co 53,402 1.9 4.0 8.6 1 2 4
13 General Ins Co Of Amer 142,472 2.1 3.8 3.2 3 5 4
14 American Bankers Ins Co Of FL 184,284 2.2 2.4 1.4 4 4 2
15 Homesite Ins Co Of CA 184,160 2.2 5.0 1.9 4 9 3
16 Farmers Ins Exch 223,821 2.2 4.7 4.4 5 8 5
17 Fire Ins Exch 838,229 2.5 1.8 1.1 21 16 10
18 State Farm Gen Ins Co 2,192,381 2.5 3.9 3.9 55 85 86
19 Amica Mut Ins Co 36,391 2.7 0.0 6.0 1 0 2
20 ASI Select Ins Corp 31,977 3.1 13.3 0.0 1 2 0
21 Stillwater Ins Co 62,238 3.2 7.8 0.0 2 5 0
22 Mid Century Ins Co 307,119 3.3 1.2 0.8 10 4 3
23 American Modern Home Ins Co 91,274 3.3 0.9 4.7 3 1 6
24 CSE Safeguard Ins Co 90,349 3.3 7.3 1.2 3 7 1
25 Safeco Ins Co Of IL 59,498 3.4 1.6 3.1 2 1 2
26 Kemper Independence Ins Co 58,703 3.4 7.8 7.5 2 5 5
27 Allied Prop & Cas Ins Co 57,883 3.5 6.9 2.1 2 6 2
28 Allstate Ins Co 655,939 3.5 1.7 2.4 23 11 16
29 USAA Cas Ins Co 222,579 3.6 1.4 0.5 8 3 1
30 CSAA Fire & Cas Ins Co 80,582 3.7 3.7 4.9 3 3 4
31 Liberty Ins Corp 278,612 3.9 11.5 5.6 11 31 14
32 Travelers Commercial Ins Co 294,486 4.1 2.6 4.3 12 7 11
33 American Security Ins Co 73,339 4.1 4.2 0.0 3 3 0
34 Interins Exch Of The Automobile Club 771,966 4.1 3.1 3.3 32 23 23
35 Garrison Prop & Cas Ins Co 91,589 4.4 0.0 0.0 4 0 0
36 California Cas Ind Exch 59,133 5.1 3.5 0.0 3 2 0
37 Amco Ins Co 165,014 5.5 3.3 2.3 9 8 6
38 CSAA Ins Exch 623,146 6.6 1.8 3.0 41 11 18
39 QBE Ins Corp 55,684 7.2 3.6 11.9 4 2 7
40 Pacific Specialty Ins Co 226,692 7.9 5.9 6.4 18 12 12
41 Universal N Amer Ins Co 73,056 8.2 5.2 4.9 6 4 4
42 Foremost Ins Co Grand Rapids MI 209,023 9.6 1.0 0.0 20 2 0
43 American Family Connect Prop & Cas I 79,499 10.1 5.2 0.0 8 4 0
44 Lemonade Ins Co 127,539 11.0 6.8 0.0 14 4 0
45 California Capital Ins Co 82,673 13.3 3.2 1.1 11 3 1
46 Property & Cas Ins Co Of Hartford 65,889 16.7 27.9 3.8 11 20 3
47 Integon Natl Ins Co 136,091 16.9 6.6 6.7 23 9 7
48 First Amer Specialty Ins Co 68,371 17.6 3.6 1.1 12 3 1
49 Aegis Security Ins Co 40,234 22.4 3.1 0.0 9 1 0
50 Century Natl Ins Co 30,556 49.1 6.4 12.4 15 4 8

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:

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

  1. Type in the company's name in the field provided and select "Get Company".
  2. Select the company that you want information on. This will take you to the company's profile.
  3. On the left hand column under "Consumer Complaint," please select "Company Performance & Comparison Data".
  4. 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.

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