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CA Department of Insurance
CA Department of Insurance
CA Department of Insurance

Homeowners Complaint Composite Report

50 Large Homeowners Insurers Licensed to Conduct Business in California

Ratio for Complaint Years 2023, 2022, and 2021

The Homeowners Complaint Composite report is also available as a single page PDF format.

2023 Rank Company Name 2023 Approx. Exposure
Count		 Justified Complaint
Ratio		 Number of Justified Complaints
2023 2022 2021 2023 2022 2021
1 AMERICAN NATIONAL PROPERTY AND CASUALTY COMPANY 105,710 0.0 0.0 2.2 0 0 2
2 MARKEL AMERICAN INSURANCE COMPANY 50,731 0.0 0.0 0.0 0 0 0
3 INTERINSURANCE EXCHANGE OF THE AUTOMOBILE CLUB 913,759 1.2 0.9 2.0 11 8 16
4 UNITED SERVICES AUTOMOBILE ASSOCIATION 225,597 1.3 2.9 2.3 3 6 5
5 USAA GENERAL INDEMNITY COMPANY 134,043 1.5 1.6 1.6 2 2 2
6 GARRISON PROPERTY AND CASUALTY INSURANCE COMPANY 128,203 1.6 0.0 0.9 2 0 1
7 STATE FARM GENERAL INSURANCE COMPANY 2,323,301 1.6 1.4 2.2 37 33 50
8 USAA CASUALTY INSURANCE COMPANY 250,624 1.6 1.8 2.6 4 4 6
9 WAWANESA GENERAL INSURANCE COMPANY 48,036 2.1 2.0 3.7 1 1 2
10 NATIONWIDE MUTUAL INSURANCE COMPANY 266,670 2.2 5.1 11.3 6 11 25
11 CENTURY-NATIONAL INSURANCE COMPANY 41,998 2.4 0.0 0.0 1 0 0
12 HOMESITE INSURANCE COMPANY OF CALIFORNIA 234,542 2.6 2.5 2.7 6 6 6
13 UNIVERSAL NORTH AMERICA INSURANCE COMPANY 38,311 2.6 21.3 7.0 1 10 4
14 ALLSTATE INSURANCE COMPANY 703,991 2.8 3.5 5.7 20 25 40
15 CALIFORNIA CAPITAL INSURANCE COMPANY 69,420 2.9 3.3 10.9 2 2 7
16 LIBERTY INSURANCE CORPORATION 233,146 3.0 4.2 3.6 7 10 9
17 AMERICAN SECURITY INSURANCE COMPANY 91,645 3.3 2.5 8.1 3 2 6
18 SAFECO INSURANCE COMPANY OF AMERICA 304,957 3.3 1.7 2.4 10 5 7
19 AMERICAN MODERN HOME INSURANCE COMPANY 53,192 3.8 2.0 0.0 2 1 0
20 FIRST NATIONAL INSURANCE COMPANY OF AMERICA 100,012 4.0 1.0 6.2 4 1 6
21 STILLWATER INSURANCE COMPANY 111,198 4.5 1.8 2.5 5 2 2
22 INTEGON NATIONAL INSURANCE COMPANY 83,417 4.8 2.4 4.6 4 2 4
23 AMERICAN FAMILY CONNECT PROPERTY AND CASUALTY INSURANCE COMPANY 119,169 5.0 3.7 7.9 6 4 7
24 CSAA FIRE & CASUALTY INSURANCE COMPANY 77,438 5.2 1.3 5.0 4 1 4
25 CALIFORNIA AUTOMOBILE INSURANCE COMPANY 638,184 5.2 0.9 1.8 33 6 11
26 FOREMOST INSURANCE COMPANY GRAND RAPIDS, MICHIGAN 267,782 5.6 1.1 1.6 15 3 4
27 STANDARD FIRE INSURANCE COMPANY (THE) 321,015 5.6 2.8 1.3 18 9 2
28 AMGUARD INSURANCE COMPANY 50,607 5.9 26.4 29.8 3 13 12
29 RESIDENCE MUTUAL INSURANCE COMPANY 49,573 6.1 5.7 1.8 3 3 1
30 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA 246,638 6.1 3.5 6.4 15 8 14
31 PACIFIC SPECIALTY INSURANCE COMPANY 208,808 6.2 6.2 6.3 13 12 12
32 PROPERTY AND CASUALTY INSURANCE COMPANY OF HARTFORD 46,324 6.5 8.1 11.2 3 4 6
33 GENERAL INSURANCE COMPANY OF AMERICA 208,766 6.7 2.6 3.7 14 5 6
34 ZURICH AMERICAN INSURANCE COMPANY 53,460 7.5 16.3 9.4 4 9 5
35 FIRE INSURANCE EXCHANGE 871,681 7.8 1.8 1.4 68 16 13
36 CSAA INSURANCE EXCHANGE 633,098 8.1 2.3 2.7 51 14 17
37 SAFECO INSURANCE COMPANY OF ILLINOIS 58,955 8.5 0.0 0.0 5 0 0
38 SUTTON NATIONAL INSURANCE COMPANY 80,170 8.7 0.0 0.0 7 0 0
39 CSE SAFEGUARD INSURANCE COMPANY 40,807 9.8 4.0 4.7 4 2 3
40 SPINNAKER INSURANCE COMPANY 140,056 11.4 21.6 4.2 16 23 3
41 LEMONADE INSURANCE COMPANY 350,192 11.7 4.9 9.0 41 16 25
42 ASI SELECT INSURANCE CORP 67,222 11.9 1.4 4.9 8 1 3
43 HOMESITE INSURANCE COMPANY OF THE MIDWEST 67,645 14.8 6.9 11.3 10 4 5
44 QBE INSURANCE CORPORATION 44,454 15.7 8.5 8.4 7 4 4
45 CALIFORNIA CASUALTY INDEMNITY EXCHANGE (THE) 60,081 16.6 8.2 9.9 10 5 6
46 AMERICAN MODERN PROPERTY AND CASUALTY INSURANCE COMPANY 107,346 21.4 9.5 17.2 23 10 20
47 FARMERS DIRECT PROPERTY AND CASUALTY INSURANCE COMPANY 37,746 23.8 5.1 2.6 9 2 1
48 FARMERS INSURANCE EXCHANGE 436,610 24.0 4.5 2.3 105 18 8
49 MID-CENTURY INSURANCE COMPANY 207,839 31.8 4.5 0.8 66 10 2
50 KEMPER INDEPENDENCE INSURANCE COMPANY 38,417 46.9 2.2 8.2 18 1 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:

  2. Type in the company's name in the field provided and select "Get Company".
  3. Select the company that you want information on. This will take you to the company's profile.
  4. On the left hand column under "Consumer Complaint," please select "Company Performance & Comparison Data".
  5. 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 Data Analytics and Reporting.

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