Idaho Home Insurance Reviews: Complaint Ratings for 16 Major Companies

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? Do you really know if your company is any good? Most consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for the 16 largest Idaho home insurance companies, covering 80% of the 2010 Idaho homeowners insurance market, and rates them based on their 2010 national complaint record. Find out which companies are the best and the worst.(Accurate 2011 complaint records are 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!

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. Idaho happens to be one of them. The complaint ratios are needed to compare car 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 Idaho Department of Insurance Website, which I used as a resource regarding the Idaho home insurance market share of each insurance company.

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 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 web site to see more complaint ratios, and JD Power customer satisfaction ratings, for home 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 home insurance companies often have very good rates — you can go with a better insurance company AND save 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 Largest Idaho Homeowners Insurance Companies Ranked by Their 2010 National Complaint Records

1. Vigilant Insurance Company (Chubb) = A (.27)

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

3. Mutual of Enumclaw Insurance Company = A (.37)

4. Allstate Indemnity Company = A (.38)

5. State Farm Mutual Auto Insurance Company = A (.44)

6. Safeco Insurance Company of Illinois = A (.47)

7. Farm Bureau Mutual Insurance Company of Idaho = A- (.48)

8. Metropolitan Property & Casualty Insurance Company (Metlife) = B (.59)

9. Oregon Mutual Insurance Company = B (.70)

10. American Family Mutual Insurance Company = B (.79)

11. Allstate Property & Casualty Insurance Company = C+ (.90)

12. Allied Property & Casualty Insurance Company = C+ (.93)

13. Allstate Insurance Company = C (.99)

14. Farmers Insurance Exchange = C- (1.07)

15. Farmers Insurance Company of Idaho = D+ (1.19)

16. United Heritage Property & Casualty Company = F (2.41)

Now you know the complaint ratings for the biggest home insurance companies in Idaho. 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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