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CONSUMERS: Homeowners Complaint Composite Page

50 LARGE HOMEOWNERS INSURERS LICENSED TO CONDUCT BUSINESS IN CALIFORNIA - RATIO FOR COMPLAINT YEARS 2008, 2009, 2010

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'10 Rank	Company Name	2010 Approx. Exposure Count	Justified Complaint Ratio			Number of Justified Complaints
'10 Rank	Company Name	2010 Approx. Exposure Count	2010	2009	2008	2010	2009	2008
1	CENTURY NATIONAL INS CO	89,435	0.0	0.9	2.4	0	1	3
2	RESIDENCE MUTUAL INS CO	66,472	0.0	3.1	0.0	0	2	0
3	HARTFORD CASUALTY INS CO	50,796	0.0	1.8	1.7	0	1	1
4	UNIVERSAL NORTH AMERICA INS CO	25,439	0.0	0.0	new	0	0	0
5	AMERICAN SECURITY INS CO	23,221	0.0	7.5	16.4	0	2	5
6	AMICA MUTUAL INS CO	22,467	0.0	0.0	5.1	0	0	1
7	SAFECO INS CO OF AMERICA	217,807	0.9	1.5	1.8	2	3	3
8	MERCURY CASUALTY CO	326,490	0.9	0.0	1.0	3	0	3
9	AMCO INS CO	297,412	1.0	1.4	1.2	3	4	3
10	FIRST AMERICAN SPECIALTY INS CO	83,735	1.2	0.0	1.9	1	0	2
11	CALIFORNIA CAPITAL INS CO	81,013	1.2	1.3	0.0	1	1	0
12	FOREMOST INS CO GRAND RAPIDS MI	152,505	1.3	1.4	1.4	2	2	2
13	CALIFORNIA STATE AUTO ASSN INTER INS	507,446	1.4	2.1	0.8	7	10	4
14	SAFECO INS CO OF IL	71,298	1.4	1.5	1.5	1	1	1
15	STATE FARM GENERAL INS CO	1,863,988	1.4	0.5	1.0	27	10	17
16	INTERINSURANCE EXCHANGE OF THE AUTOMOBILE CLUB	501,858	1.6	0.8	1.1	8	4	5
17	USAA CASUALTY INS CO	182,917	2.2	0.6	0.6	4	1	1
18	FIRST NATIONAL INS CO OF AMERICA	86,371	2.3	4.0	0.0	2	3	0
19	NEIGHBORHOOD SPIRIT PROP & CAS CO	42,811	2.3	4.4	2.2	1	2	1
20	FIRE INS EXCHANGE	965,418	2.6	2.3	1.7	25	23	19
21	PACIFIC SPECIALTY INS CO	115,598	2.6	0.0	2.0	3	0	2
22	UNITED SERVICES AUTOMOBILE ASSN (USAA)	227,726	2.6	1.8	0.0	6	4	0
23	NATIONWIDE INS CO OF AMERICA	35,627	2.8	12.5	0.0	1	4	0
24	WAWANESA GENERAL INS CO	31,097	3.2	0.0	3.3	1	0	1
25	KEMPER INDEPENDENCE INS CO	60,375	3.3	0.0	0.0	2	0	0
26	CSE SAFEGUARD INS CO	29,470	3.4	4.7	0.0	1	1	0
27	ALLSTATE INS CO	894,328	3.5	2.9	2.1	31	27	21
28	AMERICAN RELIABLE INS CO	56,771	3.5	3.8	5.8	2	2	3
29	ALLIED PROPERTY & CASUALTY INS CO	133,599	3.7	1.4	1.9	5	2	2
30	TRAVELERS PROP CAS INS CO	118,524	4.2	1.6	0.8	5	2	1
31	CALIFORNIA CASUALTY IND EXCHANGE	47,311	4.2	0.0	2.1	2	0	1
32	TRAVELERS COMMERCIAL INS CO	157,131	4.5	4.7	7.8	7	5	4
33	AMERICAN MODERN HOME INS CO	112,179	4.5	0.0	0.0	5	0	0
34	IDS PROP CAS INS CO	42,962	4.7	0.0	0.0	2	0	0
35	MID CENTURY INS CO	497,610	4.8	5.4	3.5	24	23	11
36	UNIGARD INS CO	20,408	4.9	0.0	0.0	1	0	0
37	FIDELITY NATIONAL INS CO	39,684	5.0	4.5	5.3	2	2	3
38	LIBERTY MUTUAL FIRE INS CO	187,845	5.3	2.3	0.0	10	4	0
39	FARMERS INS EXCHANGE	107,590	5.6	6.6	2.9	6	7	3
40	FIREMANS FUND INS CO	48,878	6.1	2.0	4.3	3	1	2
41	CIVIL SERVICE EMPLOYEES INS CO	31,641	6.3	0.0	0.0	2	0	0
42	ENCOMPASS INS CO	30,519	6.6	0.0	0.0	2	0	0
43	TOWER INS CO OF NY	59,931	6.7	18.4	25.9	4	6	1
44	HARTFORD UNDERWRITERS INS CO	82,989	7.2	2.4	3.5	6	2	3
45	AMERICAN FAMILY HOME INS CO	23,933	8.4	4.6	0.0	2	1	0
46	AMERICAN BANKERS INS CO OF FL	40,102	10.0	0.0	0.0	4	0	0
47	MERITPLAN INS CO	29,280	10.2	2.7	2.4	3	1	1
48	FEDERAL INS CO	20,174	14.9	10.5	5.6	3	2	1
49	NEWPORT INS CO	43,081	16.2	5.1	17.5	7	2	6
50	HOMESITE INS CO OF CA	32,831	21.3	39.5	14.2	7	14	4

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:

Go to Company Profile.
Type in the company's name in the field provided and select "Get Company".
Select the company that you want information on. This will take you to the company's profile.
On the left hand column under "Consumer Complaint," please select "Company Performance & Comparison Data".
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 (Dairyn.Valencia@insurance.ca.gov).

To return to the Consumer Complaint Study main web page: Complaint Study Overview