Does your home insurance company have a lot of complaints? Will you have difficulty placing a claim, or have a valid claim delayed or denied? Will you find out you company is good or bad? Most consumers fail to check the complaint records of their insurance companies. Here I provide complaint information for the 20 largest (by Washington market share) homeowners insurance companies, and rate them based on their 2010 Washington complaint record (2011 complaint data not available yet). Learn about the best & worst companies.

The Washington State Office of the Insurance Commissioner website is the source of my information about market share & complaint information. I provide the Washington 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.

Washington state’s complaint index should be more important to you, since a home insurance company performing well nationwide may have problems locally, but you visit my website to see national complaint ratios, as well as JD Power & AM Best ratings, on the major auto & home insurance companies.

Here is my grading system. I also list the Washington 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 auto 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.

20 Major Home Insurance Companies Rated by their 2010 Washington Complaint Records (Listed Alphabetically)

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Allstate Indemnity Company = D (1.32898)

Allstate Insurance Company = D (1.16977)

Allstate Property & Casualty Insurance Company = D (1.28390)

American Commerce Insurance Company = C (.98987) (American Commerce Insurance is sold through AAA offices across Washington)

American Family Mutual Insurance Company = D- (1.98870)

Country Mutual Insurance Company = D+ (1.11593)

Farmers Insurance Company of Washington = D (1.48100)

Fire Insurance Exchange =  D (1.35100)

Foremost Signature Insurance Company = A (.48974)

IDS Property Casualty Insurance Company = F (2.14651)(IDS is part of Ameriprise insurance, and sells auto insurance directly to the public and through Costco).

Liberty Mutual Fire Insurance Company = D (1.72264)

Metropolitan Property & Casualty Insurance Company (A Metlife company) = D (1.45409)

Mutual of Enumclaw Insurance Company = C (.98310)

Pemco Mutual Insurance Company = A (.35421)

Property & Casualty Insurance Company of Hartford = F (2.21375) (Part of the Hartford Insurance Group)

Safeco Insurance Company of America = C (.99983)

State Farm Fire & Casualty Company = A (.350068)

Travelers Home & Marine Insurance Company = D (1.31912)

*USAA (United Services Auto Association) = A (.46294)

*USAA Casualty Insurance Company = A (.31279)

*USAA sells only to the military, their immediate family members, and honorably discharged veterans.

Many people pay too much for their insurance because they never shop for better rates, or if they do shop, they don’t check the rates of enough companies. For a lot of people, the best auto & home insurance companies are the ones with the coverage they need at a lower price. With auto & home insurance, you don’t get better service or coverage because you pay more. Some of the best companies have competitive rates. Some companies charge twice as much as others for the same coverage. But no single company has low rates for everyone. You have to shop with all the leading companies, to find the company with the best coverage and best price for you.

Do you have any questions or commentary about these Washington Home insurance ratings? Tell me about it. Please leave a comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.