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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 2020, 2019 and 2018

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

2020 Rank

Company Name

2020
Approx.
Exposure
Count

Justified Complaint Ratio

Number of Justified Complaints

2020

2019

2018

2020

2019

2018
1 First Natl Ins Co Of Amer 94,187 0.0 0.0 1.2 0 0 1
2 American Natl Prop & Cas Co 64,813 0.0 0.0 0.0 0 0 0
3 Residence Mut Ins Co 59,919 0.0 1.6 5.9 0 1 4
4 Wawanesa Gen Ins Co 55,242 0.0 1.9 4.0 0 1 2
5 Safeco Ins Co Of Amer 282,214 0.7 1.4 0.0 2 4 0
6 United Serv Automobile Assn 219,582 0.9 1.8 4.5 2 4 10
7 American Family Connect Prop & Cas Ins 85,593 1.2 10.1 5.2 1 8 4
8 California Automobile Ins Co 593,819 1.3 0.7 2.1 8 4 11
9 CSE Safeguard Ins Co 73,673 1.4 3.3 7.3 1 3 7
10 Farmers Ins Exch 290,018 1.4 2.1 4.4 4 5 8
11 State Farm Gen Ins Co 2,212,953 1.4 2.5 3.9 31 55 85
12 Fire Ins Exch 988,998 1.4 2.0 1.5 14 21 16
13 Nationwide Mut Ins Co 187,842 1.6 0.0 new 3 0 0
14 California Cas Ind Exch 60,735 1.6 5.1 3.5 1 3 2
15 USAA Cas Ins Co 227,676 1.8 3.6 1.4 4 8 3
16 Safeco Ins Co Of IL 56,743 1.8 3.4 1.6 1 2 1
17 Aegis Security Ins Co 42,784 2.3 22.4 3.1 1 9 1
18 USAA Gen Ind Co 119,974 2.5 0.9 1.9 3 1 2
19 Liberty Ins Corp 269,100 2.6 3.9 11.5 7 11 31
20 Interins Exch Of The Automobile Club 800,269 2.6 4.1 3.1 21 32 23
21 General Ins Co Of Amer 151,220 2.6 2.1 3.8 4 3 5
22 Century Natl Ins Co 37,532 2.7 49.1 6.4 1 15 4
23 Amica Mut Ins Co 37,434 2.7 2.7 0.0 1 1 0
24 American Security Ins Co 73,890 2.7 4.1 4.2 2 3 3
25 Foremost Ins Co Grand Rapids MI 217,959 2.8 9.6 1.0 6 20 2
26 American Bankers Ins Co Of FL 204,671 2.9 2.2 2.4 6 4 4
27 Garrison Prop & Cas Ins Co 101,164 3.0 4.4 0.0 3 4 0
28 Allstate Ins Co 701,931 3.4 3.2 1.5 24 23 11
29 Topa Ins Co 57,014 3.5 15.2 0.0 2 4 0
30 Pacific Specialty Ins Co 207,094 3.9 8.5 6.0 8 18 12
31 American Modern Home Ins Co 49,858 4.0 3.3 0.9 2 3 1
32 QBE Ins Corp 49,687 4.0 7.2 3.6 2 4 2
33 Homesite Ins Co Of CA 192,231 4.2 2.2 5.0 8 4 9
34 CSAA Ins Exch 623,428 5.8 6.5 1.8 36 40 11
35 Mid Century Ins Co 272,359 5.9 2.9 1.2 16 9 4
36 Universal N Amer Ins Co 66,781 6.0 8.2 5.2 4 6 4
37 ASI Select Ins Corp 49,333 6.1 3.1 13.3 3 1 2
38 Lemonade Ins Co 213,330 6.1 11.0 6.8 13 14 4
39 Kemper Independence Ins Co 54,608 7.3 3.4 7.8 4 2 5
40 Stillwater Ins Co 62,777 8.0 3.2 7.8 5 2 5
41 First Amer Prop & Cas Ins Co 49,331 8.1 4.8 56.2 4 1 4
42 Travelers Prop Cas Ins Co 58,778 8.5 0.0 6.5 5 0 3
43 First Amer Specilaty Ins Co 39,381 10.2 17.6 3.6 4 12 3
44 Property & Cas Ins Co Of Hartford 58,737 10.2 16.7 27.9 6 11 20
45 American Modern Prop & Cas Ins Co 98,017 11.2 0.0 0.0 11 0 0
46 Amco Ins Co 64,410 12.4 5.5 3.3 8 9 8
47 Catlin Ins Co 42,016 14.3 13.9 0.0 6 2 0
48 Integon Natl Ins Co 104,441 14.4 16.9 6.6 15 23 9
49 Travelers Commercial Ins Co 225,127 21.8 4.1 2.6 49 12 7
50 California Capital Ins Co 71,432 37.8 13.3 3.2 27 11 3

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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