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CONSUMERS: Homeowners Complaint Composite Page

50 LARGE HOMEOWNERS INSURERS LICENSED TO CONDUCT BUSINESS IN CALIFORNIA - RATIO FOR COMPLAINT YEARS 2012, 2011, 2010

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   '12   Rank    Company Name     2012
Approx.
 Exposure
Count
Justified   Complaint Ratio   

 Number of
 Justified Complaints
   

2012 2011 2010 2012 2011 2010
 

1

 
 

RESIDENCE MUT INS CO

 
 

72,349

 
 

0.0

 
 

0.0

 
 

0.0

 
 

0

 
 

0

 
 

0

 
 

2

 
 

MERITPLAN INS CO

 
 

46,208

 
 

0.0

 
 

2.4

 
 

2.9

 
 

0

 
 

2

 
 

3

 
 

3

 
 

FIREMANS FUND INS CO

 
 

39,995

 
 

0.0

 
 

11.6

 
 

6.1

 
 

0

 
 

5

 
 

3

 
 

4

 
 

WAWANESA GEN INS CO

 
 

34,780

 
 

0.0

 
 

3.0

 
 

3.2

 
 

0

 
 

1

 
 

1

 
 

5

 
 

GARRISON PROP & CAS INS CO

 
 

33,021

 
 

0.0

 
 

0.0

 
 

0.0

 
 

0

 
 

0

 
 

0

 
 

6

 
 

AMERICAN FAMILY HOME INS CO

 
 

31,824

 
 

0.0

 
 

0.0

 
 

8.4

 
 

0

 
 

0

 
 

2

 
 

7

 
 

ENCOMPASS INS CO

 
 

31,061

 
 

0.0

 
 

3.3

 
 

6.6

 
 

0

 
 

1

 
 

2

 
 

8

 
 

AMERICAN SECURITY INS CO

 
 

98,899

 
 

1.0

 
 

1.0

 
 

0.0

 
 

1

 
 

1

 
 

0

 
 

9

 
 

SAFECO INS CO OF IL

 
 

75,834

 
 

1.3

 
 

0.0

 
 

1.4

 
 

1

 
 

0

 
 

1

 
 

10

 
 

UNITED SERV AUTOMOBILE ASSN

 
 

227,778

 
 

1.8

 
 

0.0

 
 

2.7

 
 

4

 
 

0

 
 

6

 
 

11

 
 

AMCO INS CO

 
 

262,214

 
 

1.9

 
 

4.3

 
 

1.0

 
 

5

 
 

11

 
 

3

 
 

12

 
 

ALLIED PROP & CAS INS CO

 
 

101,765

 
 

2.0

 
 

1.0

 
 

3.7

 
 

2

 
 

1

 
 

5

 
 

13

 
 

FARMERS INS EXCH

 
 

91,744

 
 

2.2

 
 

1.0

 
 

5.6

 
 

2

 
 

1

 
 

6

 
 

14

 
 

FIRST AMER SPECIALTY INS CO

 
 

88,398

 
 

2.3

 
 

0.0

 
 

1.2

 
 

2

 
 

0

 
 

1

 
 

15

 
 

CSE SAFEGUARD INS CO

 
 

42,774

 
 

2.3

 
 

2.7

 
 

3.5

 
 

1

 
 

1

 
 

1

 
 

16

 
 

AMERICAN MODERN HOME INS CO

 
 

125,849

 
 

2.4

 
 

3.5

 
 

4.5

 
 

3

 
 

4

 
 

5

 
 

17

 
 

NEIGHBORHOOD SPIRIT PROP & CAS CO

 
 

39,048

 
 

2.6

 
 

0.0

 
 

2.3

 
 

1

 
 

0

 
 

1

 
 

18

 
 

SAFECO INS CO OF AMER

 
 

270,356

 
 

2.6

 
 

1.3

 
 

0.9

 
 

7

 
 

3

 
 

2

 
 

19

 
 

USAA CAS INS CO

 
 

187,057

 
 

2.7

 
 

0.5

 
 

2.2

 
 

5

 
 

1

 
 

4

 
 

20

 
 

STATE FARM GEN INS CO

 
 

1,960,652

 
 

2.9

 
 

1.7

 
 

1.4

 
 

56

 
 

33

 
 

27

 
 

21

 
 

USAA GEN IND CO

 
 

34,900

 
 

2.9

 
 

0.0

 
 

0.0

 
 

1

 
 

0

 
 

0

 
 

22

 
 

FIRE INS EXCH

 
 

928,359

 
 

2.9

 
 

2.3

 
 

2.6

 
 

27

 
 

21

 
 

25

 
 

23

 
 

MID CENTURY INS CO

 
 

588,675

 
 

3.2

 
 

2.0

 
 

4.8

 
 

19

 
 

11

 
 

24

 
 

24

 
 

QBE INS CORP

 
 

28,549

 
 

3.5

 
 

0.0

 
 

21.7

 
 

1

 
 

0

 
 

1

 
 

25

 
 

INTERINS EXCH OF THE AUTOMOBILE CLUB

 
 

561,902

 
 

3.7

 
 

0.6

 
 

1.6

 
 

21

 
 

3

 
 

8

 
 

26

 
 

HARTFORD UNDERWRITERS INS CO

 
 

79,229

 
 

3.8

 
 

12.4

 
 

7.2

 
 

3

 
 

10

 
 

6

 
 

27

 
 

CENTURY NATL INS CO

 
 

78,837

 
 

3.8

 
 

1.2

 
 

0.0

 
 

3

 
 

1

 
 

0

 
 

28

 
 

FIRST NATL INS CO OF AMER

 
 

102,459

 
 

3.9

 
 

3.1

 
 

2.3

 
 

4

 
 

3

 
 

2

 
 

29

 
 

ALLSTATE INS CO

 
 

803,271

 
 

4.0

 
 

3.0

 
 

3.5

 
 

32

 
 

26

 
 

31

 
 

30

 
 

CALIFORNIA CAS IND EXCH

 
 

48,523

 
 

4.1

 
 

2.1

 
 

4.2

 
 

2

 
 

1

 
 

2

 
 

31

 
 

AMERICAN BANKERS INS CO OF FL

 
 

47,415

 
 

4.2

 
 

2.3

 
 

10.0

 
 

2

 
 

1

 
 

4

 
 

32

 
 

FOREMOST INS CO GRAND RAPIDS MI

 
 

164,938

 
 

4.2

 
 

1.8

 
 

1.3

 
 

7

 
 

3

 
 

2

 
 

33

 
 

CALIFORNIA CAPITAL INS CO

 
 

93,587

 
 

4.3

 
 

4.6

 
 

1.2

 
 

4

 
 

4

 
 

1

 
 

34

 
 

HARTFORD CAS INS CO

 
 

40,276

 
 

5.0

 
 

2.2

 
 

0.0

 
 

2

 
 

1

 
 

0

 
 

35

 
 

LIBERTY MUT FIRE INS CO

 
 

219,244

 
 

5.5

 
 

4.9

 
 

5.2

 
 

12

 
 

10

 
 

10

 
 

36

 
 

MERCURY CAS CO

 
 

382,972

 
 

6.0

 
 

2.8

 
 

0.9

 
 

23

 
 

10

 
 

3

 
 

37

 
 

CSAA INS EXCH

 
 

540,121

 
 

6.3

 
 

2.8

 
 

1.4

 
 

34

 
 

15

 
 

7

 
 

38

 
 

AMERICAN RELIABLE INS CO

 
 

57,497

 
 

7.0

 
 

4.9

 
 

3.5

 
 

4

 
 

3

 
 

2

 
 

39

 
 

TOWER INS CO OF NY

 
 

70,446

 
 

7.1

 
 

9.3

 
 

6.7

 
 

5

 
 

6

 
 

4

 
 

40

 
 

CIVIL SERV EMPLOYEES INS CO

 
 

27,423

 
 

7.3

 
 

0.0

 
 

6.4

 
 

2

 
 

0

 
 

2

 
 

41

 
 

UNIVERSAL N AMER INS CO

 
 

60,367

 
 

8.3

 
 

2.2

 
 

0.0

 
 

5

 
 

1

 
 

0

 
 

42

 
 

KEMPER INDEPENDENCE INS CO

 
 

59,162

 
 

8.5

 
 

0.0

 
 

3.3

 
 

5

 
 

0

 
 

2

 
 

43

 
 

IDS PROP CAS INS CO

 
 

55,860

 
 

9.0

 
 

2.0

 
 

4.7

 
 

5

 
 

1

 
 

2

 
 

44

 
 

FIDELITY NATL INS CO

 
 

30,674

 
 

9.8

 
 

5.6

 
 

5.2

 
 

3

 
 

2

 
 

2

 
 

45

 
 

NATIONWIDE INS CO OF AMER

 
 

38,899

 
 

10.3

 
 

11.2

 
 

2.8

 
 

4

 
 

4

 
 

1

 
 

46

 
 

PACIFIC SPECIALTY INS CO

 
 

134,174

 
 

10.4

 
 

0.0

 
 

2.6

 
 

14

 
 

0

 
 

3

 
 

47

 
 

TRAVELERS COMMERCIAL INS CO

 
 

189,049

 
 

10.6

 
 

10.2

 
 

4.5

 
 

20

 
 

19

 
 

7

 
 

48

 
 

HOMESITE INS CO OF CA

 
 

45,860

 
 

13.1

 
 

16.7

 
 

21.3

 
 

6

 
 

6

 
 

7

 
 

49

 
 

NEWPORT INS CO

 
 

37,579

 
 

13.3

 
 

2.2

 
 

16.1

 
 

5

 
 

1

 
 

7

 
 

50

 
 

TRAVELERS PROP CAS INS CO

 
 

103,575

 
 

16.4

 
 

1.8

 
 

4.2

 
 

17

 
 

2

 
 

5

 

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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