Maryland Home Insurance Reviews: Complaint Ratings for 20 Top 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? Is your insurance company good or bad? Most consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for the twenty leading Maryland home insurance companies and ranks them from best to worst, based on their 2010 national complaint record (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. Maryland is one not providing them. The complaint ratios are needed to compare home insurance companies, to see if the 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 often a good place to find consumer information about insurance & insurance companies.

Here is the link to the Maryland Insurance Administration Website, which I used as a resource to determine the major insurance companies in the Maryland homeowners insurance market.

As I wrote above, 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.

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

Insurance companies frequently have several subsidiary home insurance companies. For example, Nationwide has three companies on the list. Some company names do not indicate their parent company. For example, Standard Fire Insurance Company is a part of Travelers Insurance Group. 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.

Another consideration is some insurance companies have broader coverage & much better coverage options than other companies for home insurance.

The good news is the best 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.

20 Maryland Homeowners Insurance Companies Ranked from Best to Worst by Their 2010 National Complaint Records

1. Great Northern Insurance Company (Chubb & Son) = A+ (.22)

2. American Insurance Company (Fireman’s Fund / Allianz) = A (.26)

3. United Services Automobile Association (USAA) = A (.28)

4. USAA Casualty Insurance Company = A (.30)

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

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

7. Erie Insurance Exchange = B+ (.53)

8. Liberty Insurance Corporation (Liberty Mutual) = B+ (.54)

9. Encompass Home & Auto Insurance Company = B (.57)

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

11. Encompass Indemnity Company = B (.74)

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

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

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

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

16. Encompass Insurance Company of America = C+ (.90)

17. Allstate Insurance Company = C (.99)

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

19. Nationwide Mutual Insurance Company= D+ (1.11)

20. Hartford Insurance Company of the Midwest = D (1.61)

Now you know the complaint ratings for the major home insurance companies in Maryland. 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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