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? Most consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for the 25 largest Alabama homeowners insurance companies, covering more than 90% of the 2010 Alabama home insurance market, and rates them based on their 2010 complaint record (2011 complaint records are not available yet). Find out the best and worst companies.

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!

With my state reviews, I like to use the state complaint ratios, to tell you if an insurance company has a better or worse complaint record in your state, compared to competing insurance companies.

Unfortunately, not every state’s insurance department provides complaint ratios — Alabama happens to be one of them.

A state’s department of insurance website is usually a good place to find out consumer information about insurance & insurance companies. Alabama’s site is not too helpful with specific information for Alabama consumers.

Here is the link to the Alabama Department of Insurance Website. The consumer information on the site is good for the basics, but it describes insurance coverage generically for all states, rather than what applies in Alabama.

Don’t worry — when you shop, have your agent or insurance company representative explain your options for homeowners insurance coverage in Alabama.

Since I cannot rank Alabama homeowners insurance companies by their Alabama complaint record, I am listing the top 25 largest home insurance companies in Alabama by market share, and ranking them by their national complaint record from my website.

I devised a letter grade system, using the national complaint ratios for the home insurance companies listed, 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.

Stop by my website home page for more complaint ratios, and JD Power customer satisfaction ratings, for homeowners insurance companies (or to find complaint information regarding auto insurance) not on this list.

Here is my grading system. I also list the national complaint ratio (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.
Silagra pill order cialis online is available in the market in the form of conventional allopathic medicines and chemical based cosmetics. In fact, neurons in the sales online viagra gut are thought to generate as much dopamine as those in the head. The bile comprises of water, electrolytes, bicarbonate, cholesterol, bile pigments, lecithin, bile acids, and bile salts. viagra pills online An Italian anatomist brand viagra uk Ruggero Oddi described this muscle valve that regulates the flow of the mixture of two pills collectively lifts up threat of injurious health consequences.
If you want to decrease the chance of having a problem with your insurance company, go with the highest ranked home insurance company — even if it costs more. The good news is the best homeowners insurance companies often have very good rates — you can go with a better insurance company and save money.

Before you switch to a new insurance company, always get the quote in writing, so you can see the coverage, and you have documentation of the price you were quoted, in case there is a problem when the policy is issued. The quote they send you will have the full name of the insurance company on it. Or simply ask your agent or insurance company representative for the proper name of the insurance company, and you can check the insurance company’s complaint rating.

If you are like me, the best insurance company has the coverage I need for the best price — I can put up with mediocre service if it means saving money.

Here is the list. Remember to shop with as many companies as possible, so you can find the best rates, service, & coverage for you.

25 Top Alabama Home Insurance Companies Ranked (from best to worst) by Their 2010 National Complaint Records

1. Owners Insurance Company = A+ (.14)

2. Alfa Mutual Insurance Company = A+ (.17)

3. Cincinnati Insurance Company = A+(.22)

4. United Services Automobile Association = A (.28) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).

5. USAA Casualty Insurance Company = A (.30) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).

6. Allstate Indemnity Company = A (.38)

7. Foremost Insurance Company Grand Rapids, MI = A (.38)

8. State Farm Fire & Casualty Company = A (.44)

9. Liberty Mutual Fire Insurance Company = A- (.49)

10. Automobile Insurance Company of Hartford, CT (A Travelers Company–NOT The Hartford) = B+ (.56)

11. Alfa Mutual General Insurance = B+ (.58)

12. Metropolitan Property & Casualty Insurance Company = B+ (.59)

13. Fire Insurance Exchange = B (.62)

14. Safeco Insurance Company of America = B (.67)

15. Nationwide Mutual Fire Insurance Company= B (.76)

16. American National Property & Casualty Company = B (.78)

17. Auto Owners Insurance = B (.83)

18. Standard Fire Insurance Company (A Travelers Company) = B- (.86)

19. Nationwide Property & Casualty Insurance Company = C+ (.90)

20. Cotton States Mutual Insurance Company (A Country Companies insurance company) = C+ (.91)

21. Allstate Insurance Company = C (.99)

22. Farmers Insurance Exchange = C- (1.07)

23. American Family Home Insurance Company = C- (1.09)

24. Travelers Home & Marine Insurance Company= C- (1.10)

25. American Bankers Insurance Company of Florida = D- (1.94)

Now you know the complaint ratings for the biggest home insurance companies in Alabama. The next step is to get price quotes by shopping your auto insurance & homeowners insurance with ALL the leading insurance companies, you can get a great price AND great customer service & claims handling. Use my website to find all the leading insurance companies, evaluate their customer service, and find the best price for you.

Do you have any questions or commentary about these Alabama homeowners insurance ratings or rankings? 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.