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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 2017, 2016 and 2015

The Homeowners Complaint Composite report is also available as a single page PDF format. A current Acrobat Reader is required to read this document. An Acrobat Reader is available through our Free Document Readers page.


'17 Rank Company Name 2017 Approx. Exposure Count Justified Complaint
Ratio
Number of Justified Complaints
2017 2016 2015 2017 2016 2015
1 Foremost Ins Co Grand Rapids MI 188,243 0.0 2.2 0.6 0 4 1
2 IDS Prop Cas Ins Co 75,261 0.0 1.4 11.5 0 1 8
3 Garrison Prop & Cas Ins Co 72,321 0.0 0.0 5.5 0 0 3
4 American Security Ins Co 69,602 0.0 0.0 1.4 0 0 1
5 Stillwater Ins Co 61,730 0.0 3.8 2.4 0 2 1
6 American Natl Prop & Cas Co 57,390 0.0 0.0 0.0 0 0 0
7 California Cas Ind Exch 56,139 0.0 5.5 1.9 0 3 1
8 Travelers Prop Cas Ins Co 40,904 0.0 5.2 2.6 0 2 1
9 Neighborhood Spirit Prop & Cas Co 30,855 0.0 3.5 0.0 0 1 0
10 USAA Cas Ins Co 211,669 0.5 0.5 1.5 1 1 3
11 Mid Century Ins Co 382,644 0.8 1.2 2.3 3 5 11
12 United Serv Automobile Assn 224,002 0.9 0.5 1.8 2 1 4
13 California Capital Ins Co 94,385 1.1 6.1 0.0 1 6 0
14 USAA Gen Ind Co 94,113 1.1 0.0 2.9 1 0 2
15 Fire Ins Exch 932,757 1.1 1.0 1.9 10 10 19
16 First Amer Specilaty Ins Co 90,945 1.1 4.4 1.9 1 4 2
17 CSE Safeguard Ins Co 83,890 1.2 1.6 1.8 1 1 1
18 Residence Mut Ins Co 72,425 1.4 1.3 3.9 1 1 3
19 American Bankers Ins Co Of FL 142,076 1.4 1.9 3.0 2 2 3
20 Nationwide Ins Co Of Amer 60,844 1.6 3.7 2.1 1 2 1
21 Homesite Ins Co Of CA 161,231 1.9 5.9 12.5 3 8 13
22 Allied Prop & Cas Ins Co 93,929 2.1 2.1 3.1 2 2 3
23 Amco Ins Co 261,724 2.3 0.4 2.6 6 1 7
24 Allstate Ins Co 668,012 2.4 3.1 2.1 16 21 15
25 California Automobile Ins Co 475,482 2.7 2.7 6.5 13 10 6
26 Encompass Ins Co 36,403 2.7 2.7 7.9 1 1 3
27 Safeco Ins Co Of Amer 286,543 2.8 0.7 3.3 8 2 10
28 Metropolitan Drt Prop & Cas Ins Co 34,969 2.9 3.1 6.9 1 1 2
29 CSAA Ins Exch 606,891 3.0 2.3 2.7 18 14 16
30 Trumbull Ins Co 33,189 3.0 5.7 0.0 1 2 0
31 Safeco Ins Co Of IL 64,146 3.1 3.0 0.0 2 2 0
32 General Ins Co Of Amer 126,042 3.2 1.7 5.0 4 2 5
33 Interins Exch Of The Automobile Club 704,578 3.3 3.2 5.3 23 21 33
34 Property & Cas Ins Co Of Hartford 78,675 3.8 8.0 3.4 3 4 1
35 State Farm Gen Ins 629Co 2,185,735 3.9 7.2 1.6 86 154 34
36 Farmers Ins Exch 122,445 4.1 0.0 0.0 5 0 0
37 Travelers Commercial Ins Co 232,377 4.7 4.9 7.5 11 11 16
38 Universal N Amer Ins Co 82,181 4.9 6.6 5.8 4 6 5
39 CSAA Fire & Cas Ins Co 81,568 4.9 3.7 2.5 4 3 2
40 American Modern Home Ins Co 110,612 5.4 4.1 4.5 6 6 8
41 Liberty Ins Corp 248,888 5.6 4.4 4.3 14 10 9
42 American Reliable Ins Co 35,411 5.6 5.8 8.8 2 2 3
43 Amica Mut Ins Co 33,399 6.0 6.3 3.3 2 2 1
44 First Natl Ins Co Of Amer 82,970 6.0 2.6 9.0 5 2 7
45 Pacific Specialty Ins Co 183,543 6.5 3.9 8.9 12 7 15
46 Integon Natl Ins Co 96,619 7.2 2.1 0.0 7 2 0
47 Kemper Independence Ins Co 65,479 7.6 4.6 8.4 5 3 5
48 Wawanesa Gen Ins Co 46,393 8.6 2.4 2.6 4 1 1
49 QBE Ins Corp 58,968 11.9 7.8 6.3 7 6 5
50 Century Natl Ins Co 65,124 12.3 1.5 1.5 8 1 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 Statistical Analysis Division.

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