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CONSUMERS: Homeowners Complaint Composite Page

50 LARGE HOMEOWNERS INSURERS LICENSED TO CONDUCT BUSINESS IN CALIFORNIA - RATIO FOR COMPLAINT YEARS 2013, 2012, 2011

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'13 Rank

Company Name

2013
      Approx.
      Exposure
      Count

Justified Complaint Ratio

Number of Justified
      Complaints

2013

2012

2011

2013

2012

2011

1

AMERICAN SECURITY INS CO

92,334

0.0

1.0

1.0

0

1

1

2

AMERICAN BANKERS INS CO OF FL

68,252

0.0

4.2

2.3

0

2

1

3

USAA GEN IND CO

44,130

0.0

2.9

0.0

0

1

0

4

GARRISON PROP & CAS INS CO

39,692

0.0

0.0

0.0

0

0

0

5

AMICA MUT INS CO

26,416

0.0

4.0

0.0

0

1

0

6

FIRST AMER SPECILATY INS CO

94,816

1.1

2.2

0.0

1

2

0

7

UNITED SERV AUTOMOBILE ASSN

226,662

1.3

1.8

0.0

3

4

0

8

SAFECO INS CO OF IL

72,924

1.4

1.3

0.0

1

1

0

9

SAFECO INS CO OF AMER

298,112

1.7

2.6

1.2

5

7

3

10

AMERICAN RELIABLE INS CO

51,951

1.9

7.0

4.9

1

4

3

11

CALIFORNIA CAS IND EXCH

49,145

2.0

4.1

2.1

1

2

1

12

USAA CAS INS CO

190,213

2.1

2.7

0.5

4

5

1

13

FARMERS INS EXCH

85,631

2.3

2.2

1.0

2

2

1

14

STATE FARM GEN INS CO

2,022,622

2.4

2.9

1.7

49

56

33

15

QBE INS CORP

80,635

2.5

3.5

0.0

2

1

0

16

RESIDENCE MUT INS CO

75,392

2.7

0.0

0.0

2

0

0

17

NEIGHBORHOOD SPIRIT PROP & CAS CO

37,298

2.7

2.6

0.0

1

1

0

18

WAWANESA GEN INS CO

36,124

2.8

0.0

3.0

1

0

1

19

ALLIED PROP & CAS INS CO

102,962

2.9

2.0

1.0

3

2

1

20

CALIFORNIA CAPITAL INS CO

100,127

3.0

4.3

4.6

3

4

4

21

ENCOMPASS INS CO

30,661

3.3

0.0

3.3

1

0

1

22

INTERINS EXCH OF THE AUTOMOBILE CLUB

574,105

3.3

3.7

0.6

19

21

3

23

AMERICAN MODERN HOME INS CO

146,390

3.4

2.4

3.5

5

3

4

24

FOREMOST INS CO GRAND RAPIDS MI

167,883

3.6

4.2

1.8

6

7

3

25

CSAA INS EXCH

550,392

3.8

6.3

2.8

21

34

15

26

CENTURY NATL INS CO

75,117

4.0

3.8

1.2

3

3

1

27

CSAA FIRE & CAS INS CO

73,953

4.1

4.4

0.0

3

3

0

28

ALLSTATE INS CO

759,252

4.2

4.0

3.0

32

32

26

29

MERCURY CAS CO

412,205

4.4

6.0

2.8

18

23

10

30

MID CENTURY INS CO

574,861

4.5

3.2

2.0

26

19

11

31

AMCO INS CO

262,346

4.6

1.9

4.3

12

5

11

32

FIRE INS EXCH

936,006

4.6

2.9

2.3

43

27

21

33

NATIONWIDE INS CO OF AMER

42,217

4.7

10.3

11.2

2

4

4

34

FIRST NATL INS CO OF AMER

94,903

5.3

3.9

2.9

5

4

3

35

FIREMANS FUND INS CO

37,589

5.3

0.0

11.6

2

0

5

36

HARTFORD UNDERWRITERS INS CO

72,828

5.5

3.8

12.4

4

3

10

37

HARTFORD CAS INS CO

33,188

6.0

5.0

2.2

2

2

1

38

STILLWATER INS CO

31,990

6.3

9.8

5.6

2

3

2

39

CSE SAFEGUARD INS CO

44,880

6.7

2.3

2.7

3

1

1

40

PACIFIC SPECIALTY INS CO

143,713

7.0

10.4

0.0

10

14

0

41

KEMPER INDEPENDENCE INS CO

56,746

7.0

8.1

0.0

4

5

0

42

GENERAL INS CO OF AMER

54,431

7.3

9.4

0.0

4

2

0

43

LIBERTY MUT FIRE INS CO

224,264

7.6

5.5

4.9

17

12

10

44

TOWER INS CO OF NY

76,565

7.8

7.1

9.3

6

5

6

45

TRAVELERS COMMERCIAL INS CO

191,957

9.4

10.6

10.2

18

20

19

46

HOMESITE INS CO OF CA

60,276

10.0

13.1

16.7

6

6

6

47

IDS PROP CAS INS CO

61,639

11.4

9.0

2.0

7

5

1

48

UNIVERSAL N AMER INS CO

72,300

13.8

8.3

2.2

10

5

1

49

TRAVELERS PROP CAS INS CO

74,910

17.4

16.4

1.8

13

17

2

50

FEDERAL INS CO

26,127

23.0

12.3

9.0

6

3

2

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 Statistical Analysis Division (Statreports@insurance.ca.gov). 

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