50 LARGE HOMEOWNERS INSURERS LICENSED TO CONDUCT BUSINESS IN CALIFORNIA - RATIO FOR COMPLAINT YEARS 2009, 2010, 2011

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'11 Rank	Company Name	2011 Approx. Exposure Count	Justified Complaint Ratio			Number of Justified Complaints
			2011	2010	2009	2011	2010	2009
1	UNITED SERV AUTOMOBILE ASSN	224,505	0.0	2.7	1.8	0	6	4
2	PACIFIC SPECIALTY INS CO	125,184	0.0	2.6	0.0	0	3	0
3	FIRST AMER SPECILATY INS CO	79,378	0.0	1.2	0.0	0	1	0
4	SAFECO INS CO OF IL	73,707	0.0	1.4	1.5	0	1	1
5	RESIDENCE MUT INS CO	69,203	0.0	0.0	3.1	0	0	2
6	KEMPER INDEPENDENCE INS CO	59,111	0.0	3.3	0.0	0	2	0
7	NEIGHBORHOOD SPIRIT PROP & CAS CO	41,101	0.0	2.3	4.4	0	1	2
8	CIVIL SERV EMPLOYEES INS CO	29,141	0.0	6.3	0.0	0	2	0
9	AMERICAN FAMILY HOME INS CO	27,385	0.0	8.4	4.6	0	2	1
10	USAA GEN IND CO	27,114	0.0	0.0	0.0	0	0	0
11	GARRISON PROP & CAS INS CO	25,935	0.0	0.0	0.0	0	0	0
12	AMICA MUT INS CO	23,947	0.0	0.0	0.0	0	0	0
13	USAA CAS INS CO	182,463	0.5	2.2	0.6	1	4	1
14	INTERINS EXCH OF THE AUTOMOBILE CLUB	523,125	0.6	1.6	0.8	3	8	4
15	ALLIED PROP & CAS INS CO	124,420	0.8	3.7	1.4	1	5	2
16	FARMERS INS EXCH	98,002	1.0	5.6	6.6	1	6	7
17	CENTURY NATL INS CO	83,141	1.2	0.0	1.0	1	0	1
18	SAFECO INS CO OF AMER	238,818	1.3	0.9	1.5	3	2	3
19	STATE FARM GEN INS CO	1,905,183	1.7	1.4	0.5	33	27	10
20	TRAVELERS PROP CAS INS CO	112,074	1.8	4.2	1.6	2	5	2
21	FOREMOST INS CO GRAND RAPIDS MI	162,600	1.8	1.3	1.4	3	2	2
22	MID CENTURY INS CO	563,908	2.0	4.8	5.4	11	24	23
23	IDS PROP CAS INS CO	50,678	2.0	4.7	0.0	1	2	0
24	CALIFORNIA CAS IND EXCH	47,859	2.1	4.2	0.0	1	2	0
25	NEWPORT INS CO	45,885	2.2	16.2	5.1	1	7	2
26	UNIVERSAL N AMER INS CO	45,698	2.2	0.0	0.0	1	0	0
27	HARTFORD CAS INS CO	44,788	2.2	0.0	1.8	1	0	1
28	FIRE INS EXCH	931,814	2.3	2.6	2.3	21	25	23
29	AMERICAN BANKERS INS CO OF FL	42,960	2.3	10.0	0.0	1	4	0
30	CSE SAFEGUARD INS CO	36,852	2.7	3.4	4.7	1	1	1
31	AAA NORTHERN CA NV & UT INS EXCH	528,353	2.8	1.4	2.1	15	7	10
32	MERCURY CAS CO	351,421	2.8	0.9	0.0	10	3	0
33	WAWANESA GEN INS CO	33,351	3.0	3.2	0.0	1	1	0
34	ALLSTATE INS CO	857,135	3.0	3.5	2.9	26	31	27
35	FIRST NATL INS CO OF AMER	97,520	3.1	2.3	4.0	3	2	3
36	ENCOMPASS INS CO	30,312	3.3	6.6	0.0	1	2	0
37	AMERICAN MODERN HOME INS CO	113,626	3.5	4.5	0.0	4	5	0
38	AMCO INS CO	301,899	3.6	1.0	1.4	11	3	4
39	CALIFORNIA CAPITAL INS CO	86,911	4.6	1.2	1.3	4	1	1
40	LIBERTY MUT FIRE INS CO	204,487	4.9	5.2	2.2	10	10	4
41	AMERICAN RELIABLE INS CO	60,847	4.9	3.5	3.8	3	2	2
42	FIDELITY NATL INS CO	35,844	5.6	5.2	4.6	2	2	2
43	MERITPLAN INS CO	22,624	8.8	10.2	2.7	2	3	1
44	FEDERAL INS CO	22,333	9.0	14.9	10.5	2	3	2
45	TOWER INS CO OF NY	64,540	9.3	6.7	18.4	6	4	6
46	TRAVELERS COMMERCIAL INS CO	185,704	10.2	4.5	4.7	19	7	5
47	NATIONWIDE INS CO OF AMER	37,005	10.8	2.8	12.5	4	1	4
48	FIREMANS FUND INS CO	42,977	11.6	6.1	2.0	5	3	1
49	HARTFORD UNDERWRITERS INS CO	80,911	12.4	7.2	2.4	10	6	2
50	HOMESITE INS CO OF CA	35,988	16.7	21.3	39.5	6	7	14

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

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