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CA Department of Insurance

Homeowners Complaint Composite Report

50 Large Homeowners Insurers Licensed to Conduct Business in California

Ratio for Complaint Years 2016, 2015 and 2014

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'16 Rank

Company Name

2016
Approx.
Exposure
Count

Justified Complaint Ratio

Number of Justified
Complaints

2016

2015

2014

2016

2015

2014

1

USAA Gen Ind Co

83,150

0.0

2.9

0.0

0

2

0

2

Farmers Ins Exch

73,543

0.0

0.0

2.5

0

0

2

3

American Security Ins Co

70,782

0.0

1.3

2.2

0

1

2

4

Garrison Prop & Cas Ins Co

63,109

0.0

5.7

0.0

0

3

0

5

American Natl Prop & Cas Co

30,659

0.0

0.0

new

0

0

0

6

Markel Amer Ins Co

30,138

0.0

0.0

0.0

0

0

0

7

Amco Ins Co

272,213

0.4

2.6

3.1

1

7

8

8

United Serv Automobile Assn

218,806

0.5

1.8

0.9

1

4

2

9

USAA Cas Ins Co

201,061

0.5

1.5

0.5

1

3

1

10

Safeco Ins Co Of Amer

298,669

0.7

3.3

1.3

2

10

4

11

Mercury Cas Co

106,763

0.9

3.1

2.4

1

11

10

12

Fire Ins Exch

981,116

1.0

1.9

2.8

10

19

27

13

Mid Century Ins Co

428,524

1.2

2.3

1.9

5

11

10

14

Residence Mut Ins Co

76,629

1.3

3.9

0.0

1

3

0

15

IDS Prop Cas Ins Co

71,958

1.4

11.5

4.5

1

8

3

16

Century Natl Ins Co

65,005

1.5

1.5

2.8

1

1

2

17

General Ins Co Of Amer

116,388

1.7

5.0

7.4

2

5

6

18

American Bankers Ins Co Of FL

110,238

1.8

2.9

4.6

2

3

4

19

CSE Safeguard Ins Co

53,428

1.9

2.1

2.2

1

1

1

20

Allied Prop & Cas Ins Co

96,781

2.1

3.1

1.0

2

3

1

21

Integon Natl Ins Co

95,016

2.1

0.0

0.0

2

0

0

22

Foremost Ins Co Grand Rapids MI

182,786

2.2

0.6

2.3

4

1

4

23

CSAA Ins Exch

597,215

2.3

2.7

3.5

14

16

20

24

Wawanesa Gen Ins Co

42,400

2.4

2.6

2.7

1

1

1

25

First Natl Ins Co Of Amer

76,427

2.6

9.0

5.8

2

7

5

26

California Automobile Ins Co

366,980

2.7

6.5

15.1

10

6

1

27

Safeco Ins Co Of IL

66,009

3.0

0.0

1.5

2

0

1

28

Metropolitan Drt Prop & Cas Ins Co

32,701

3.1

6.9

0.0

1

2

0

29

Allstate Ins Co

685,951

3.1

2.1

3.3

21

15

24

30

Interins Exch Of The Automobile Club

659,220

3.2

5.3

2.9

21

33

18

31

Nationwide Ins Co Of Amer

54,291

3.7

2.1

6.7

2

1

3

32

Stillwater Ins Co

51,961

3.8

2.4

5.5

2

1

2

33

American Modern Home Ins Co

147,315

4.1

4.5

4.8

6

8

8

34

Pacific Specialty Ins Co

170,336

4.1

8.9

2.6

7

15

4

35

Liberty Ins Corp

229,843

4.4

4.3

2.6

10

9

3

36

First Amer Specilaty Ins Co

91,643

4.4

1.9

1.9

4

2

2

37

Kemper Independence Ins Co

62,803

4.8

8.4

8.8

3

5

5

38

Travelers Commercial Ins Co

222,340

4.9

7.5

4.2

11

16

9

39

Hartford Underwriters Ins Co

39,586

5.1

14.9

10.5

2

9

7

40

Travelers Prop Cas Ins Co

38,246

5.2

2.6

4.9

2

1

2

41

American Reliable Ins Co

37,809

5.3

8.2

14.5

2

3

6

42

California Cas Ind Exch

54,574

5.5

1.9

0.0

3

1

0

43

Trumbull Ins Co

34,870

5.7

0.0

0.0

2

0

0

44

Homesite Ins Co Of CA

135,101

5.9

12.5

12.2

8

13

10

45

California Capital Ins Co

98,291

6.1

0.0

1.9

6

0

2

46

Amica Mut Ins Co

31,852

6.3

3.3

0.0

2

1

0

47

Universal N Amer Ins Co

87,158

6.9

5.8

11.1

6

5

9

48

State Farm Gen Ins Co

2,145,935

7.2

1.6

2.1

154

34

43

49

Property & Cas Ins Co Of Hartford

50,093

8.0

3.4

0.0

4

1

0

50

QBE Ins Corp

71,102

8.4

6.3

9.0

6

5

7

 

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:

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

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