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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 2025, 2024, and 2023

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

2025 Rank Company Name 2025 Approx. Exposure
Count		 Justified Complaint
Ratio		 Number of Justified Complaints
2025 2024 2023 2025 2024 2023
1 INTEGON NATIONAL INSURANCE COMPANY 64,430 0.0 3.1 4.8 0 2 4
2 AMERICAN MODERN HOME INSURANCE COMPANY 61,767 0.0 1.9 3.8 0 1 2
3 AMERICAN SECURITY INSURANCE COMPANY 146,142 0.7 0.0 3.3 1 0 3
4 UNITED SERVICES AUTOMOBILE ASSOCIATION 230,806 0.9 1.3 1.3 2 3 3
5 CALIFORNIA AUTOMOBILE INSURANCE COMPANY 743,406 0.9 2.8 5.2 7 19 33
6 CSAA FIRE & CASUALTY INSURANCE COMPANY 100,695 1.0 1.1 5.2 1 1 4
7 NATIONWIDE MUTUAL INSURANCE COMPANY 192,123 1.0 2.6 2.2 2 6 6
8 CSAA INSURANCE EXCHANGE 714,919 1.1 4.6 8.1 8 31 51
9 AMERICAN NATIONAL PROPERTY AND CASUALTY COMPANY 79,211 1.3 3.8 0.0 1 4 0
10 GARRISON PROPERTY AND CASUALTY INSURANCE COMPANY 141,444 1.4 1.5 1.5 2 2 2
11 MARKEL AMERICAN INSURANCE COMPANY 69,860 1.4 0.0 0.0 1 0 0
12 CALIFORNIA CAPITAL INSURANCE COMPANY 66,007 1.5 5.8 2.9 1 4 2
13 SPINNAKER INSURANCE COMPANY 182,086 1.6 45.4 11.4 3 73 16
14 DB INSURANCE CO., LTD. (U.S. BRANCH) 107,152 1.9 0.0 9.2 2 0 3
15 GENERAL INSURANCE COMPANY OF AMERICA 155,050 1.9 7.2 6.7 3 14 14
16 HOMESITE INSURANCE COMPANY OF CALIFORNIA 258,071 1.9 3.9 2.6 5 10 6
17 AMERICAN MODERN PROPERTY AND CASUALTY INSURANCE COMPANY 102,387 2.0 10.4 22.3 2 11 23
18 CALIFORNIA CASUALTY INDEMNITY EXCHANGE (THE) 48,731 2.1 3.6 16.6 1 2 10
19 FOREMOST INSURANCE COMPANY GRAND RAPIDS, MICHIGAN 235,752 2.1 6.2 5.6 5 14 15
20 STANDARD FIRE INSURANCE COMPANY (THE) 276,628 2.2 5.6 5.6 6 17 18
21 WAWANESA GENERAL INSURANCE COMPANY 45,995 2.2 0.0 2.1 1 0 1
22 SEAVIEW INSURANCE COMPANY 91,200 2.2 3.0 10.5 2 2 3
23 INTERINSURANCE EXCHANGE OF THE AUTOMOBILE CLUB 964,454 2.3 1.9 1.2 22 18 11
24 USAA GENERAL INDEMNITY COMPANY 174,573 2.3 0.6 1.4 4 1 2
25 QBE INSURANCE CORPORATION 42,391 2.4 5.1 15.7 1 2 7
26 AMERICAN FAMILY CONNECT PROPERTY AND CASUALTY INSURANCE COMPANY 84,611 2.4 7.1 5.0 2 8 6
27 PROPERTY AND CASUALTY INSURANCE COMPANY OF HARTFORD 38,701 2.6 9.2 6.5 1 4 3
28 ALLSTATE INSURANCE COMPANY 682,166 2.8 4.5 2.8 19 31 20
29 AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA 329,612 3.3 5.1 6.1 11 14 15
30 USAA CASUALTY INSURANCE COMPANY 251,190 4.0 3.5 1.6 10 9 4
31 RESIDENCE MUTUAL INSURANCE COMPANY 49,510 4.0 18.5 6.1 2 9 3
32 PRAETORIAN INSURANCE COMPANY 48,450 4.1 2.5 0.0 2 1 0
33 SAFECO INSURANCE COMPANY OF ILLINOIS 47,957 4.2 7.1 8.5 2 4 5
34 SUTTON NATIONAL INSURANCE COMPANY 281,016 4.3 2.0 8.7 12 4 7
35 STILLWATER INSURANCE COMPANY 87,810 4.6 3.2 4.6 4 3 5
36 CENTURY-NATIONAL INSURANCE COMPANY 42,877 4.7 2.6 2.4 2 1 1
37 FIRST NATIONAL INSURANCE COMPANY OF AMERICA 63,766 4.7 2.4 4.0 3 2 4
38 SAFECO INSURANCE COMPANY OF AMERICA 227,693 4.8 5.2 3.3 11 15 10
39 FIRE INSURANCE EXCHANGE 687,570 4.9 22.7 7.8 34 176 68
40 UNIVERSAL NORTH AMERICA INSURANCE COMPANY 39,521 5.1 5.7 2.6 2 2 1
41 HOMESITE INSURANCE COMPANY OF THE MIDWEST 165,281 5.4 7.8 14.8 9 8 10
42 STATE FARM GENERAL INSURANCE COMPANY 1,949,806 6.1 11.9 1.6 118 254 37
43 LEMONADE INSURANCE COMPANY 430,992 6.3 20.7 11.7 27 80 41
44 ASI SELECT INSURANCE CORP 59,220 8.4 38.2 11.9 5 22 8
45 FARMERS INSURANCE EXCHANGE 488,524 9.6 40.2 24.0 47 177 105
46 RESPONSE INDEMNITY COMPANY OF CALIFORNIA 40,621 9.8 5.2 0.0 4 2 0
47 LIBERTY INSURANCE CORPORATION 171,408 12.8 36.7 3.0 22 78 7
48 MID-CENTURY INSURANCE COMPANY 171,698 14.0 51.4 31.8 24 96 66
49 AMICA MUTUAL INSURANCE COMPANY 44,209 15.8 23.3 2.7 7 10 1
50 PACIFIC SPECIALTY INSURANCE COMPANY 166,812 22.8 9.6 6.2 38 18 13

 

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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