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 your company be good or bad when you need them? Most consumers fail to check the complaint records of their insurance companies. Here I provide complaint information for 22 major property insurance companies offering coverage in Maine, and rate them based on their Maine complaint record. See the best & 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!

The Maine Bureau of Insurance website is the source of my information about Maine home insurance complaint data. All insurance companies having at least 1% of the Maine home insurance market, or at least 5 complaints filed against them for the year, are listed below. I provide the 2010 Maine complaint index (2011 data is not available yet) for each homeowners insurance company. The index adjusts the number of complaints for an insurance company, based on its market share.

A large company, like Allstate, may have a higher number of complaints than a small company, like Horace Mann, because of its much larger number of customers. A large company may have 35 complaints, but only one complaint per 10,000 customers. A small company may have 15 complaints, but 1 complaint per 2,000 customers. You are more likely to have a complaint with the smaller company, although the smaller company has a lower overall number of complaints.

The Maine complaint index considers the size of the company, based on the dollar amount of premium charged by the company for home insurance during the year, so you can fairly compare companies.

A complaint index of 1.00 is average. Less than 1.00 is better than average. More than 1.00 is worse than average. The lower the index number, the better the complaint record.

I devised a letter grade system, based on the Maine complaint index, 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.

Here is my grading system:

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 insurance company.
It is clear that nerve signals from the http://hartbuildersinc.com/ prescription de cialis brain to the different parts of the body, thus reducing urinary retention. Because of the high demands, there viagra shipping are prior bookings and in a span of 4 years, the project will be complete. discount viagra pills The patient should drink lot of water before 30 to 45 minutes of intercourse. Some like a glamour model to have a more oval face because then the model appears to be sexier, but that women viagra is the personal preference of the client is needed along with lifestyle changes.
Maine lists the complaint index for each major insurance group of companies. An insurance group is usually a conglomerate of several subsidiary insurance companies. Make sure you know the correct name of the insurance subsidiary company quoting or insuring you, and the insurance group to which it belongs, to check the proper complaint grade.

22 Home Insurance Companies Ranked from Best to Worst by their 2010 Maine Complaint Ratings.

1. Amica Mutual Insurance Company = A+ (No complaints in 2010)

2. Country Insurance & Financial Services Group (MIDDLESEX MUTUAL ASSURANCE COMPANY) = A+ (No complaints in 2010)

3. Frankenmuth Group (PATRIOT INSURANCE COMPANY) = A+ (No complaints in 2010)

4. United Services Automobile Association Group (GARRISON PROPERTY & CASUALTY INSURANCE COMPANY; UNITED SERVICES AUTOMOBILE ASSOC; USAA CASUALTY INSURANCE COMPANY; USAA GENERAL INDEMNITY COMPANY) = A+ (.20)

5. State Farm Group (STATE FARM FIRE AND CASUALTY COMPANY) = A (.30)

6. Metropolitan Group (METROPOLITAN PROPERTY & CASUALTY INSURANCE COMPANY) = A (.40)

7. Andover Group (CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY; MERRIMACK MUTUAL FIRE INSURANCE COMPANY) = A (.40)

8. Chubb & Son Inc. Group (FEDERAL INSURANCE COMPANY; GREAT NORTHERN INSURANCE COMPANY; PACIFIC INDEMNITY COMPANY; VIGILANT INSURANCE COMPANY) = A- (.50)

9. Main Street America Group (NGM INSURANCE COMPANY) = A- (.50)

10. Tower Group (NORTH EAST INSURANCE COMPANY; YORK INSURANCE COMPANY OF MAINE)= A- (.50)

11. Travelers Group (AUTOMOBILE INSURANCE COMPANY OF HARTFORD CT; STANDARD FIRE INSURANCE COMPANY; TRAVELERS COMMERCIAL INSURANCE COMPANY; TRAVELERS HOME & MARINE INSURANCE COMPANY; TRAVELERS INDEMNITY COMPANY OF AMERICA) = B (.60)

12. Horace Mann Group (HORACE MANN INSURANCE COMPANY; TEACHERS INSURANCE COMPANY) = B (.60)

13. Hanover Insurance Group (CITIZENS INSURANCE COMPANY OF AMERICA; HANOVER INSURANCE COMPANY; MASSACHUSETTS BAY INSURANCE COMPANY) = B (.60)

14. Liberty Mutual Group (LIBERTY INSURANCE CORP; LIBERTY MUTUAL FIRE INSURANCE COMPANY; NETHERLANDS INSURANCE COMPANY, THE PEERLESS INSURANCE COMPANY) = C (.90)

15. Concord Group (CONCORD GENERAL MUTUAL INSURANCE COMPANY; GREEN MOUNTAIN INSURANCE COMPANY INC; STATE MUTUAL INSURANCE COMPANY) = D (1.20)

16. Vermont Mutual Group (NORTHERN SECURITY INSURANCE COMPANY INC; VERMONT MUTUAL INSURANCE COMPANY) = D (1.30)

17. Allstate Insurance Group (ALLSTATE INDEMNITY CO; ALLSTATE INSURANCE CO; ALLSTATE PROPERTY & CASUALTY INSURANCE CO; ENCOMPASS INSURANCE COMPANY OF AMERICA) = D (1.40)

18. MMG Insurance Company = D (1.40)

19. Quincy Mutual Group (PATRONS OXFORD INSURANCE COMPANY) = D- (1.90)

20. Zurich Insurance Group (EMPIRE FIRE & MARINE INSURANCE COMPANY; FARMERS INSURANCE EXCHANGE; FIDELITY & DEPOSIT COMPANY OF MD; FOREMOST INSURANCE COMPANY; FOREMOST PROPERTY & CASUALTY INSURANCE COMPANY; TRUCK INSURANCE EXCHANGE) = F (2.20)

21. Union Mutual Fire Insurance Group (NEW ENGLAND GUARANTY INSURANCE COMPANY INC; UNION MUTUAL FIRE INSURANCE COMPANY) = F (2.30)

22. Hartford Fire & Casualty Group (HARTFORD CASUALTY INSURANCE COMPANY; HARTFORD FIRE INSURANCE COMPANY; HARTFORD INSURANCE COMPANY OF THE MIDWEST; HARTFORD UNDERWRITERS INSURANCE COMPANY; SENTINEL INSURANCE COMPANY LTD; TWIN CITY FIRE INSURANCE COMPANY) = F (2.80)

Now you know how the Maine home insurance companies are rated for complaints, go and shop your car & home insurance. You can get better rates AND better service!

Do you have any questions or commentary about these Maine insurance company complaint 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.