CONSUMERS: Homeowners Complaint Composite Page | '08 Rank | Company Name | 2008 Approx. Exposure Count | Justified Complaint Ratio | Number of Justified Complaints | | 2008 | 2007 | 2006 | 2008 | 2007 | 2006 | | 1 | USAA | 221,032 | 0.0 | 0.5 | 1.9 | 0 | 1 | 4 | | 2 | LIBERTY MUT FIRE INS CO | 173,183 | 0.0 | 2.4 | 2.5 | 0 | 4 | 4 | | 3 | AMERICAN MODERN HOME INS CO | 105,192 | 0.0 | 4.0 | 1.4 | 0 | 4 | 1 | | 4 | CALIFORNIA CAPITAL INS CO | 75,051 | 0.0 | 1.3 | 3.8 | 0 | 1 | 3 | | 5 | KEMPER INDEPENDENCE INS CO | 66,735 | 0.0 | 1.5 | 1.5 | 0 | 1 | 1 | | 6 | RESIDENCE MUT INS CO | 64,925 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | | 7 | FIRST NATL INS CO OF AMER | 62,049 | 0.0 | 2.1 | 0.0 | 0 | 1 | 0 | | 8 | CIVIL SERV EMPLOYEES INS CO | 37,591 | 0.0 | 2.5 | 2.3 | 0 | 1 | 1 | | 9 | ENCOMPASS INS CO | 33,920 | 0.0 | 0.0 | 2.6 | 0 | 0 | 1 | | 10 | AMERICAN BANKERS INS CO OF FL | 33,575 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | | 11 | IDS PROP CAS INS CO | 28,161 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | | 12 | NATIONWIDE INS CO OF AMER | 23,906 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | | 13 | FIRST AMER PROP & CAS INS CO | 22,746 | 0.0 | 0.0 | 0.0 | 0 | 0 | 0 | | 14 | USAA CAS INS CO | 177,158 | 0.6 | 0.0 | 0.6 | 1 | 0 | 1 | | 15 | TRAVELERS PROP CAS INS CO | 119,002 | 0.8 | 3.1 | 3.4 | 1 | 4 | 4 | | 16 | CALIFORNIA STATE AUTO ASSN INTER INS | 472,127 | 0.8 | 1.5 | 2.4 | 4 | 7 | 11 | | 17 | STATE FARM GENERAL INS CO | 1,763,989 | 1.0 | 0.4 | 0.5 | 17 | 6 | 9 | | 18 | MERCURY CAS CO | 287,142 | 1.0 | 0.7 | 2.6 | 3 | 2 | 7 | | 19 | INTERINS EXCH OF THE AUTOMOBILE CLUB | 456,599 | 1.1 | 2.0 | 1.7 | 5 | 9 | 7 | | 20 | AMCO INS CO | 240,404 | 1.2 | 0.9 | 0.5 | 3 | 2 | 1 | | 21 | FOREMOST INS CO | 141,821 | 1.4 | 0.7 | 2.3 | 2 | 1 | 3 | | 22 | SAFECO INS CO OF IL | 65,984 | 1.5 | 0.0 | 1.6 | 1 | 0 | 1 | | 23 | FIRE INS EXCH | 1,129,927 | 1.7 | 2.3 | 3.3 | 19 | 28 | 46 | | 24 | HARTFORD CAS INS CO | 59,342 | 1.7 | 5.1 | 1.9 | 1 | 3 | 1 | | 25 | FIRST AMER SPECILATY INS CO | 114,044 | 1.8 | 0.0 | 0.0 | 2 | 0 | 0 | | 26 | SAFECO INS CO OF AMER | 169,196 | 1.8 | 2.0 | 1.4 | 3 | 3 | 2 | | 27 | ALLIED PROP & CAS INS CO | 104,105 | 1.9 | 1.9 | 3.1 | 2 | 2 | 3 | | 28 | PACIFIC SPECIALTY INS CO | 99,353 | 2.0 | 2.2 | 2.0 | 2 | 2 | 2 | | 29 | CALIFORNIA CAS IND EXCH | 47,214 | 2.1 | 2.1 | 4.3 | 1 | 1 | 1 | | 30 | ALLSTATE INS CO | 981,792 | 2.1 | 2.1 | 2.3 | 21 | 22 | 25 | | 31 | NEIGHBORHOOD SPIRIT PROP & CAS CO | 45,562 | 2.2 | 1.9 | 3.5 | 1 | 1 | 2 | | 32 | CENTURY NATL INS CO | 126,309 | 2.4 | 0.7 | 2.5 | 3 | 1 | 4 | | 33 | MERITPLAN INS CO | 41,420 | 2.4 | 2.3 | 2.5 | 1 | 1 | 1 | | 34 | FARMERS INS EXCH | 103,995 | 2.9 | 2.7 | 4.8 | 3 | 3 | 6 | | 35 | STANDARD FIRE INS CO | 31,111 | 3.2 | 2.5 | 2.6 | 1 | 1 | 1 | | 36 | WAWANESA GENERAL INS CO | 30,727 | 3.3 | 0.0 | 0.0 | 1 | 0 | 0 | | 37 | BALBOA INS CO | 58,283 | 3.4 | 10.0 | 5.9 | 2 | 7 | 5 | | 38 | MID CENTURY INS CO | 316,170 | 3.5 | 3.5 | 5.5 | 11 | 10 | 1 | | 39 | HARTFORD UNDERWRITERS INS CO | 85,122 | 3.5 | 6.0 | 3.8 | 3 | 5 | 3 | | 40 | ASSOCIATED IND CORP | 28,214 | 3.5 | 6.2 | 5.8 | 1 | 2 | 2 | | 41 | FIREMANS FUND INS CO | 46,536 | 4.3 | 6.3 | 6.2 | 2 | 3 | 3 | | 42 | FOREMOST PROP & CAS INS CO | 22,677 | 4.4 | 4.4 | 0.0 | 1 | 1 | 0 | | 43 | AMICA MUT INS CO | 19,795 | 5.1 | 0.0 | 5.5 | 1 | 0 | 1 | | 44 | FIDELITY NATL INS CO | 56,518 | 5.3 | 3.0 | 6.2 | 3 | 2 | 4 | | 45 | AMERICAN RELIABLE INS CO | 51,557 | 5.8 | 4.0 | 4.4 | 3 | 2 | 2 | | 46 | AMERICAN SECURITY INS CO | 70,512 | 7.1 | 1.5 | 1.7 | 5 | 1 | 1 | | 47 | NEW HAMPSHIRE INS CO | 13,231 | 7.6 | 6.9 | 5.2 | 1 | 1 | 1 | | 48 | TRAVELERS COMMERCIAL INS CO | 51,823 | 7.7 | 0.0 | 0.0 | 4 | 0 | 0 | | 49 | NEWPORT INS CO | 58,690 | 10.2 | 5.7 | 8.4 | 6 | 3 | 4 | | 50 | HOMESITE INS CO OF CA | 28,086 | 14.2 | 12.2 | 16.7 | 4 | 3 | 4 | Note: Complaint Ratio is based on the number of Justified Complaints to 100,000 Earned Exposures. View in PDF format (Adobe Acrobat Reader is required) Don't have Adobe Acrobat Reader? (click here to download) Complaint Study Introduction Life Study Automobile Study
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