Does your homeowners insurance company have a large amount of customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Is your company good or bad at claims & customer service? Most consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for the 25 largest (by Oregon market share) home insurance companies, and ranks them from best to worst based on their 2010 complaint record. (Accurate 2011 data is not available yet)
I’m always blogging to help you get the best policies and prices for auto, home, & life insurance, so bookmark or place my website in your favorites!
The Oregon Insurance Division website is the source of my information about market share & complaint information. I provide the Oregon complaint index for each homeowners insurance company, but I devised a letter grade system to make it easy to tell an insurance company with a great or good complaint record, from an insurance company with a poor or average complaint record.
Go to my website home page to see complaint ratios on homeowners insurance companies (or to find complaint information regarding auto insurance) not on this list.
Here is my grading system. I also list the Oregon complaint index number (the lower the number the better the complaint record).
A+ = Insurance companies with complaints 25% or less than the average insurance company.
A = Insurance companies with complaints 50% or less than the average insurance company.
B = Insurance companies with complaints 90% or less than the average insurance company.
C = Insurance companies with complaints from 90% to 110% of the average insurance company.
D = Insurance companies with complaints from 110% to 200% of the average insurance company.
F = Insurance companies with complaints over 200% of the average insurance company. More than twice as much as average!
Consider these grades, along with price and other factors (as listed on my website), when choosing an home insurance company.
Insurance companies frequently have several subsidiary homeowners insurance companies. Make sure you know the correct name of the insurance subsidiary quoting or insuring you, to check the proper complaint grade.
25 Home Insurance Companies Ranked from Best to Worst by their 2010 Oregon Complaint Ratings
1. North Pacific Insurance Company = A+ (No complaints in 2010)
2. USAA Insurance = A (.28) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).
3. State Farm Fire & Casualty Company = A (.33)
4. Property & Casualty Insurance Company of Hartford = A (.39)
5. USAA Casualty Insurance Company = A (.50) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).
6. American Commerce Insurance Company = B+ (.54) (American Commerce Insurance is sold through AAA offices across Oregon)
7. Oregon Mutual Insurance Company = B+ (.58)
8. Country Mutual Insurance Company = B (.72)
9. Federal Insurance Company = B (.83) (Part of Chubb Insurance Group)
10. Metropolitan Property & Casualty Insurance Company = B (.84)
11. Farmers Insurance Company of Oregon = B (.87)
12. Mutual of Enumclaw Insurance Company = C (1.01)
13. Allstate Property & Casualty Insurance Company = C (1.03)
14. Allstate Insurance Company = D+ (1.23)
15. Sublimity Insurance Company = D (1.31)
16. Safeco Insurance Company of Oregon = D (1.34)
17. Farmers Insurance Exchange = D (1.35)
18. American Family Mutual Insurance Company = D (1.42)
19. Liberty Mutual Fire Insurance Company = D (1.42)
20. Nationwide Mutual Fire Insurance Company = D (1.46)
21. Allstate Indemnity Company = D (1.86)
22. Foremost Insurance Company = D (1.87)
23. Valley Property & Casualty Insurance Company = D (1.92)
24. Foremost Signature Insurance Company = F (2.14)
25. Travelers Home & Marine Insurance Company = F (2.87)
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