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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 2022, 2021, and 2020

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

2022 Rank Company Name 2022 Approx. Exposure
Count		 Justified Complaint
Ratio		 Number of Justified Complaints
2022 2021 2020 2022 2021 2020
1 Garrison Property and Casualty Insurance Company 115,066 0.0 0.9 3.0 0 1 3
2 American National Prop & Cas Co 82,749 0.0 3.2 0.0 0 2 0
3 Safeco Insurance Company of Illinois 58,402 0.0 0.0 1.8 0 0 1
4 Century National Insurance Company 55,045 0.0 0.0 2.7 0 0 1
5 AMCO Insurance Company 45,097 0.0 8.8 12.4 0 5 8
6 Interinsurance Exchange of the Automobile Club 865,433 0.9 2.0 2.6 8 16 21
7 California Automobile Insurance Company 638,347 0.9 1.8 1.3 6 11 8
8 First National Insurance Company of America 100,837 1.0 6.2 0.0 1 6 0
9 Foremost Insurance Company Grand Rapids, Michigan 277,174 1.1 1.6 2.8 3 4 6
10 CSAA Fire & Casualty Insurance Company 79,219 1.3 5.0 1.2 1 4 1
11 ASI Select Insurance Corp. 71,553 1.4 4.9 6.1 1 3 3
12 State Farm General Insurance Company 2,293,718 1.4 2.2 1.4 33 50 31
13 USAA General Indemnity Company 122,583 1.6 1.6 2.5 2 2 3
14 Safeco Insurance Company of America 301,475 1.7 2.4 0.7 5 7 2
15 USAA Casualty Insurance Company 228,087 1.8 2.6 1.8 4 6 4
16 Fire Ins Exch 911,296 1.8 1.4 1.4 16 13 14
17 Stillwater Insurance Company 107,803 1.9 2.5 8.0 2 2 5
18 Wawanesa General Insurance Co. 51,189 2.0 3.7 0.0 1 2 0
19 American Modern Insurance Company 50,140 2.0 0.0 4.0 1 0 2
20 Kemper Independence Insurance Company 45,151 2.2 8.2 7.3 1 4 4
21 CSAA Insurance Exchange 621,984 2.3 2.7 5.8 14 17 36
22 Integon National Insurance Company 84,244 2.4 4.6 14.4 2 4 15
23 American Security Insurance Company 79,772 2.5 8.1 2.7 2 6 2
24 Homesite Insurance Company of California 236,957 2.5 2.7 4.2 6 6 8
25 General Insurance Company of America 192,702 2.6 3.7 2.6 5 6 4
26 The Standard Fire Insurance Company 326,275 2.8 1.3 8.4 9 2 1
27 United Services Automobile Association 207,064 2.9 2.3 0.9 6 5 2
28 California Capital Ins Co 60,183 3.3 10.9 37.8 2 7 27
29 American Bankers Insurance Company 231,372 3.5 6.4 2.9 8 14 6
30 Allstate Insurance Company 717,260 3.5 5.7 3.4 25 40 24
31 American Family Connect Property and Casualty Insurance Company 109,124 3.7 7.9 1.2 4 7 1
32 CSE Safeguard Insurance Company 49,994 4.0 4.7 1.4 2 3 1
33 Liberty Insurance Corporation 240,320 4.2 3.6 2.6 10 9 7
34 Mid Century Ins Co 224,134 4.5 0.8 5.9 10 2 16
35 Farmers Ins Exch 403,056 4.5 2.3 1.4 18 8 4
36 Lemonade Insurance Company 327,305 4.9 9.0 6.1 16 25 13
37 Farmers Direct Property and Casualty Insurance Company 39,130 5.1 2.6 2.7 2 1 1
38 Nationwide Mutual Insurance Company 214,012 5.1 11.3 1.6 11 25 3
39 Residence Mutual Insurance Company 52,914 5.7 1.8 0.0 3 1 0
40 Pacific Specialty Insruance 191,301 6.3 6.3 3.9 12 12 8
41 Homesite Insurance Company of the Midwest 57,689 6.9 11.3 6.5 4 5 2
42 Property & Casualty Insurance Company 49,360 8.1 11.2 10.2 4 6 6
43 Amica Mutual Insurance Company 36,582 8.2 8.1 2.7 3 3 1
44 California Cas Ind Exch 60,679 8.2 9.9 1.6 5 6 1
45 QBE Insurance Corporation 47,162 8.5 8.4 4.0 4 4 2
46 American Modern Property and Casualty Insurance Company 105,028 9.5 17.2 11.2 10 20 11
47 Zurich American Insurance Company 64,680 13.9 9.3 5.7 9 5 2
48 Universal North America Insurance Company 46,993 21.3 7.0 6.0 10 4 4
49 Spinnaker Insurance Company 107,953 21.3 4.2 0.0 23 3 0
50 AMGUARD INSURANCE COMPANY 49,292 26.4 29.8 13.3 13 12 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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