Delaware Home Insurance Reviews: Complaint Ratings & Customer Satisfaction Ratings

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? Did you choose a good or bad company? Most consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for the 10 largest Delaware home insurance companies, covering 80% of the Delaware homeowners insurance market, and ranks them based on their JD Power 2011 national homeowners insurance study customer satisfaction ratings.See the best & worst insurance 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. Delaware happens to be one of them. The complaint ratios are needed to compare home insurance companies, to see if the insurance company has a higher than average, or lower than average number of complaints, adjusted based on the insurance company’s market share.

A state’s department of insurance website is usually a good place to find out consumer information about insurance & insurance companies.

Here is the link to the Delaware Insurance Department Website, which I used as a resource regarding the Delaware homeowners insurance market share. I could not find current home insurance market share data for Delaware on the website, but the FAQ section listed the ten largest insurance groups, insuring about 80% of the Delaware home insurance market. I don’t know how frequently the FAQ is updated.

Usually, with most state’s department of insurance websites, I can find recent market share information for each specific homeowners insurance subsidiary company. With Delaware, I know only the larger insurance group.

For example, Allstate Insurance Corporation insures homes in most states through either Allstate Insurance company, Allstate Indemnity Company, Allstate Property & Casualty Insurance Company, or Allstate Fire & Casualty Insurance Company.

8 0f the 10 insurance groups are linked to the insurance reviews on my website, where you can find the national complaint ratio for the individual home insurance subsidiary  company insuring your home.

2 of the 10 insurance groups are smaller regional insurance groups. I list the national complaint ratio for each of its subsidiary insurance companies operating in Delaware, and my letter grade for its complaint rating.

As I mentioned earlier in this blog post, you need to use the complaint ratio to fairly compare an insurance company’s complaint record with another insurance company’s complaint record.

I devised a letter grade system, using the national complaint ratios for the 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.

Check out my website to see more complaint ratios, and JD Power customer satisfaction ratings, for auto insurance companies (or to find complaint information regarding home 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.

As I mentioned above, insurance companies frequently have several subsidiary home 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.

Here is the list of the 10 largest home insurance groups in Delaware. 8 of the 10 are rated for customer satisfaction by JD Power.

The insurance companies are ranked from best to worst, by their customer satisfaction rating from the JD Power 2011 national homeowners insurance study. Remember to shop with as many companies as possible, so you can find the best rates, service, & coverage for you.

The 10 Top Delaware Home Insurance Companies Ranked by Their 2011 JD Power Customer Satisfaction Rating (from best to worst)

1. United Services Automobile Association (USAA) Insurance Group  5 power circles (among the best) 883 out of 1,000 points.

2. State Farm Insurance Group  4 power circles (better than most) 788 out of 1,000 points.

3. Nationwide Insurance Group  3 power circles (about average) 764 out of 1,000 points.

4. The Hartford Insurance Group  3 power circles (about average) 763 out of 1,000 points.

5. Chubb & Son Insurance Group  3 power circles (about average) 761 out of 1,000 points.

6. Allstate Insurance Group  3 power circles (about average) 760 out of 1,000 points.

7. Liberty Mutual Insurance Group  3 power circles (about average) 750 out of 1,000 points.

8. Travelers Insurance Group  2 power circles (the rest) 732 out of 1,000 points.

9. Donegal Insurance Group — AM Best Financial Strength Rating: A (Excellent) (9/7/11)

Donegal Mutual Insurance Company = B+ (.54)

Peninsula Insurance Company = A+ (No complaints in 2010)

Atlantic States Insurance Company = A+ (No complaints in 2010)

10.* Westfield Insurance Group — AM Best Financial Strength Rating: A (Excellent) (11/15/11)

Ohio Farmers Insurance Company = A+ (No complaints in 2010)

Westfield Insurance Company = D+ (1.22)

Westfield National Insurance Company = A+ (No complaints in 2010)

American Select Insurance Company = A+ (No complaints in 2010)

Old Guard Insurance Company= A+ (No complaints in 2010)

* Per Westfield Insurance Group’s website, Westfield now does not sell personal insurance, such as homeowners insurance (only business insurance), in Delaware. Westfield sells insurance through independent insurance agents, so contact a local independent insurance agent in your area, representing Westfield, if you want more information.

Now you know the complaint ratings & JD Power customer satisfaction ratings for the biggest home insurance companies in Delaware. 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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