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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 2024, 2023, and 2022

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

2024 Rank Company Name 2024 Approx. Exposure
Count		 Justified Complaint
Ratio		 Number of Justified Complaints
2024 2023 2022 2024 2023 2022
1 AMERICAN SECURITY INSURANCE COMPANY 121,973 0.0 3.3 2.5 0 3 2
2 DB INSURANCE CO., LTD. (U.S. BRANCH) 62,324 0.0 9.2 4.7 0 3 1
3 MARKEL AMERICAN INSURANCE COMPANY 60,035 0.0 0.0 0.0 0 0 0
4 WAWANESA GENERAL INSURANCE COMPANY 45,254 0.0 2.1 2.0 0 1 1
5 USAA GENERAL INDEMNITY COMPANY 159,197 0.6 1.4 1.6 1 2 2
6 CSAA FIRE & CASUALTY INSURANCE COMPANY 88,215 1.1 5.2 1.3 1 4 1
7 UNITED SERVICES AUTOMOBILE ASSOCIATION 231,339 1.3 1.3 2.9 3 3 6
8 GARRISON PROPERTY AND CASUALTY INSURANCE COMPANY 137,272 1.5 1.5 0.0 2 2 0
9 AMERICAN MODERN HOME INSURANCE COMPANY 53,788 1.9 3.8 2.0 1 2 1
10 INTERINSURANCE EXCHANGE OF THE AUTOMOBILE CLUB 962,777 1.9 1.2 0.9 18 11 8
11 SUTTON NATIONAL INSURANCE COMPANY 201,438 2.0 8.7 0.0 4 7 0
12 FIRST NATIONAL INSURANCE COMPANY OF AMERICA 84,638 2.4 4.0 1.0 2 4 1
13 PRAETORIAN INSURANCE COMPANY 40,753 2.5 0.0 5.3 1 0 1
14 NATIONWIDE MUTUAL INSURANCE COMPANY 233,460 2.6 2.2 5.2 6 6 11
15 CENTURY-NATIONAL INSURANCE COMPANY 38,411 2.6 2.4 0.0 1 1 0
16 CALIFORNIA AUTOMOBILE INSURANCE COMPANY 689,862 2.8 5.2 0.9 19 33 6
17 INTEGON NATIONAL INSURANCE COMPANY 65,480 3.1 4.8 2.4 2 4 2
18 STILLWATER INSURANCE COMPANY 93,094 3.2 4.6 1.9 3 5 2
19 USAA CASUALTY INSURANCE COMPANY 255,048 3.5 1.6 1.7 9 4 4
20 CALIFORNIA CASUALTY INDEMNITY EXCHANGE (THE) 55,653 3.6 16.6 8.2 2 10 5
21 AMERICAN NATIONAL PROPERTY AND CASUALTY COMPANY 104,883 3.8 0.0 0.0 4 0 0
22 HOMESITE INSURANCE COMPANY OF CALIFORNIA 253,839 3.9 2.6 2.5 10 6 6
23 ALLSTATE INSURANCE COMPANY 684,245 4.5 2.8 3.5 31 20 25
24 CSAA INSURANCE EXCHANGE 675,433 4.6 8.1 2.3 31 51 14
25 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA 276,054 5.1 6.1 3.5 14 15 8
26 QBE INSURANCE CORPORATION 39,420 5.1 15.7 8.5 2 7 4
27 RESPONSE INDEMNITY COMPANY OF CALIFORNIA 38,716 5.2 0.0 19.2 2 0 4
28 SAFECO INSURANCE COMPANY OF AMERICA 286,202 5.2 3.3 1.7 15 10 5
29 STANDARD FIRE INSURANCE COMPANY (THE) 302,691 5.6 5.6 2.8 17 18 9
30 UNIVERSAL NORTH AMERICA INSURANCE COMPANY 34,784 5.7 2.6 21.3 2 1 10
31 CALIFORNIA CAPITAL INSURANCE COMPANY 68,476 5.8 2.9 3.3 4 2 2
32 FOREMOST INSURANCE COMPANY GRAND RAPIDS, MICHIGAN 225,784 6.2 5.6 1.1 14 15 3
33 AMERICAN FAMILY CONNECT PROPERTY AND CASUALTY INSURANCE COMPANY 113,439 7.1 5.0 3.7 8 6 4
34 SAFECO INSURANCE COMPANY OF ILLINOIS 56,481 7.1 8.5 0.0 4 5 0
35 GENERAL INSURANCE COMPANY OF AMERICA 195,300 7.2 6.7 2.6 14 14 5
36 HOMESITE INSURANCE COMPANY OF THE MIDWEST 102,035 7.8 14.8 6.9 8 10 4
37 ZURICH AMERICAN INSURANCE COMPANY 45,784 8.7 7.5 16.3 4 4 9
38 PROPERTY AND CASUALTY INSURANCE COMPANY OF HARTFORD 43,155 9.3 6.5 8.1 4 3 4
39 PACIFIC SPECIALTY INSURANCE COMPANY 188,359 9.6 6.2 6.2 18 13 12
40 AMERICAN MODERN PROPERTY AND CASUALTY INSURANCE COMPANY 111,148 9.9 21.4 9.5 11 23 10
41 STATE FARM GENERAL INSURANCE COMPANY 2,139,816 11.9 1.6 1.4 254 37 33
42 RESIDENCE MUTUAL INSURANCE COMPANY 48,593 18.5 6.1 5.7 9 3 3
43 LEMONADE INSURANCE COMPANY 385,729 20.7 11.7 4.9 80 41 16
44 FIRE INSURANCE EXCHANGE 775,464 22.7 7.8 1.8 176 68 16
45 AMICA MUTUAL INSURANCE COMPANY 42,839 23.3 2.7 8.2 10 1 3
46 LIBERTY INSURANCE CORPORATION 212,616 36.7 3.0 4.2 78 7 10
47 ASI SELECT INSURANCE CORP 57,604 38.2 11.9 1.4 22 8 1
48 FARMERS INSURANCE EXCHANGE 439,921 40.2 24.0 4.5 177 105 18
49 SPINNAKER INSURANCE COMPANY 160,687 45.4 11.4 21.6 73 16 23
50 MID-CENTURY INSURANCE COMPANY 186,617 51.4 31.8 4.5 96 66 10

 

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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