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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 2021, 2020 and 2019

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

2021 Rank

Company Name

2021
Approx.
Exposure
Count

Justified Complaint Ratio

Number of Justified Complaints

2021

2020

2019

2021

2020

2019

1 Safeco Ins Co of IL 56,284 0.0 1.8 3.4 0 1 2
2 American Modern Home Ins Co 48,409 0.0 4.0 3.3 0 2 3
3 Century Natl Ins Co 48,005 0.0 2.7 49.1 0 1 15
4 Mid Century Ins Co 242,874 0.8 5.9 3.3 2 16 10
5 Garrison Prop & Cas Ins Co 108,745 0.9 3.0 4.4 1 3 4
6 Fire Ins Exch 940,146 1.4 1.4 2.0 13 14 21
7 USAA Gen Ind Co 122,833 1.6 2.5 0.9 2 3 1
8 Foremost Ins Co Grand Rapids MI 243,079 1.6 2.8 9.6 4 6 20
9 California Automobile Ins Co 626,532 1.8 1.3 0.7 11 8 4
10 Residence Mut Ins Co 56,388 1.8 0.0 1.6 1 0 1
11 Standard Fire Ins Co 110,528 1.8 3.6 new 2 1 0
12 Interins Exch of The Automobile Club 800,269 2.0 2.6 4.1 16 21 32
13 State Farm Gen Ins Co 2,250,146 2.2 1.4 2.5 50 31 55
14 Farmers Ins Exch 349,581 2.3 1.4 2.1 8 4 5
15 United Serv Automobile Assn 213,961 2.3 0.9 1.8 5 2 4
16 Safeco Ins Co of Amer 286,445 2.4 0.7 1.4 7 2 4
17 Stillwater Ins Co 80,411 2.5 8.0 3.2 2 5 2
18 Farmers Direct Prop & Cas Ins Co 38,919 2.6 2.7 0.0 1 1 0
19 USAA Cas Ins Co 228,969 2.6 1.8 3.6 6 4 8
20 Homesite Ins Co of CA 225,097 2.7 4.2 2.2 6 8 4
21 CSAA Ins Exch 625,080 2.7 5.8 6.5 17 36 40
22 American Natl Prop & Cas Co 63,191 3.2 0.0 0.0 2 0 0
23 Liberty Ins Corp 253,150 3.6 2.6 3.9 9 7 11
24 General Ins Co of Amer 163,634 3.7 2.6 2.1 6 4 3
25 Wawanesa Gen Ins Co 53,573 3.7 0.0 1.9 2 0 1
26 Spinnaker Ins Co 71,401 4.2 0.0 31.0 3 0 3
27 Integon Natl Ins Co 87,187 4.6 14.4 16.9 4 15 23
28 CSE Safeguard Ins Co 63,387 4.7 1.4 3.3 3 1 3
29 ASI Select Ins Corp 61,524 4.9 6.1 3.1 3 3 1
30 Allstate Ins Co 702,647 5.7 3.4 3.2 40 24 23
31 First Natl Ins Co of Amer 96,443 6.2 0.0 0.0 6 0 0
32 Pacific Specialty Ins Co 190,589 6.3 3.9 8.5 12 8 18
33 American Bankers Ins Co of FL 219,066 6.4 2.9 2.2 14 6 4
34 Universal N Amer Ins Co 57,495 7.0 6.0 8.2 4 4 6
35 American Family Connect Prop & Cas Ins 88,885 7.9 1.2 10.1 7 1 8
36 American Security Ins Co 74,172 8.1 2.7 4.1 6 2 3
37 Kemper Independence Ins Co 48,876 8.2 7.3 3.4 4 4 2
38 QBE Ins Corp 47,611 8.4 4.0 7.2 4 2 4
39 Lemonade Ins Co 279,738 8.9 6.1 11.0 25 13 14
40 Zurich Amer Ins Co 53,867 9.3 5.7 23.6 5 2 3
41 California Cas Ind Exch 60,855 9.9 1.6 5.1 6 1 3
42 California Capital Ins Co 64,331 10.9 37.8 13.3 7 27 11
43 Property & Cas Ins Co of Hartford 53,512 11.2 10.2 16.7 6 6 11
44 Nationwide Mut Ins Co 221,111 11.3 1.6 0.0 25 3 0
45 Homesite Ins Co of The Midwest 44,104 11.3 6.5 0.0 5 2 0
46 Travelers Commercial Ins Co 152,367 12.5 18.2 4.1 19 49 12
47 Catlin Ins Co 44,272 13.6 14.3 13.9 6 6 2
48 Topa Ins Co 38,907 15.4 3.5 15.2 6 2 4
49 American Modern Prop & Cas Ins Co 116,254 17.2 11.2 0.0 20 11 0
50 Amguard Ins Co 40,222 29.8 13.3 21.2 12 3 1

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 "Consumer Complaint," 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 Data Analytics and Reporting.

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