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 16 largest Connecticut Property & Casualty insurance companies selling homeowners insurance, based on 2009 market share, and rates & ranks them based on their 2010 complaint record (Accurate 2011 complaint records are not available yet). Find the best and avoid the 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. Connecticut provides its own complaint ratios for auto insurance, but not for home insurance.
Here is the link to the Connecticut Insurance Department Website, which I use for my information about the largest property & casualty insurance companies in Connecticut.
Since I cannot rank Connecticut homeowners insurance companies by their Connecticut home insurance complaint record, I am listing the top 16 largest property & casualty insurance companies, selling home insurance in Connecticut, and ranking them by their 2010 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.
Visit 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.
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.
The 16 Top Connecticut Home Insurance Companies Ranked by Their 2010 National Complaint Records
1. Federal Insurance Company (Chubb) = A+ (.18)
2. Great Northern Insurance Company (Chubb) = A+ (.22)
3. Amica Mutual Insurance Company = A (.32)
4. Middlesex Mutual Assurance Company (Country Insurance) = A (.35)
5. State Farm Fire & Casualty Insurance Company = A (.44)
6. Safeco Insurance Company of Illinois = A- (.47)
7. Liberty Mutual Fire Insurance Company = A- (.49)
8. Metropolitan Property & Casualty Insurance Company = B (.59)
9. Allstate Fire & Casualty Insurance Company = B (.65)
10. Peerless Insurance Company = B (.70)
11. Standard Fire Insurance Company (Travelers) = B- (.86)
12. Allstate Insurance Company = C (.99)
13. Travelers Home & Marine Insurance Company= C- (1.10)
14. Nationwide Mutual Insurance Company= D+ (1.11)
15. Hartford Insurance Company of the Midwest = D (1.61)
16. Progressive Casualty Insurance Company= D (1.62)
Now you know the complaint ratings for the biggest home insurance companies in Connecticut. 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.
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