Does your homeowners insurance company have too many complaints? Will you have a problem placing a claim, or have a valid claim delayed or denied? Will your company provide you with a good or bad experience? Most consumers fail to check the complaint records of their insurance companies. Here I provide complaint information for the 20 largest home insurance companies in Hawaii, and rank them from best to worst, based on their 2010 national complaint ratios (Accurate 2011 data is not available yet).

I’m always blogging to help you locate the best policies and prices for auto, home, & life insurance, so bookmark or place my website in your favorites!

The Hawaii Department of Commerce & Consumer Affairs: Insurance website is the source of my information about market share. I list the 20 largest home insurance companies based on premium collected in Hawaii, for 2008, which is the most recent year where Hawaiian home insurance market share information is available.

Hawaii has state complaint information available for auto insurance, but not for home insurance. So, I use the national complaint ratios for the 20 biggest Hawaiian home insurance companies, the same as I use for the insurance company reviews on my website. The national complaint ratios help you compare the complaint records among insurance companies.

A complaint ratio of 1.00 is the same as the home insurance industry average. A complaint ratio lower than one is better than average. A ratio higher than one is worse than average. The lowest complaint ratio number has the best complaint record, and the highest complaint ratio number has the worst 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 ratings, 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 As I stated above,the lower the complaint ratio, 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.

Because of the increased risk in Hawaii, wind damage is usually excluded from property insurance policies, like home insurance. Some insurance companies offer a separate hurricane policy, and other companies don’t offer it.

The information I gathered about Hawaii home insurance companies offering, or not offering, a separate hurricane insurance policy, from the Hawaii Department of Insurance website, was last updated in 2008. The companies I list may or may not offer hurricane insurance at this time.

Hurricane insurance is often required by mortgage companies, so be sure to ask each insurance company quoting your home insurance about it. Insurance companies not offering it, often partner with companies offering it, to accommodate the needs of their customers.

Remember, neither home insurance or hurricane insurance covers flood damage to your home. If your home is at risk of flood from a hurricane. or other causes of flood damage, ask your agent about flood insurance.

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 Top Hawaii Home Insurance Companies Ranked from Best to Worst by their 2010 National Home Insurance Complaint Ratings

1. First Fire & Casualty Insurance Company of Hawaii, Inc. = A+ (No complaints in 2010)

2. Hawaiian Insurance & Guaranty Company LTD = A+ (No complaints in 2010)

3. RLI Insurance Company = A+ (No complaints in 2010)

4. American Pacific Insurance Company, Inc. = A+ (No complaints in 2010)

5. Tradewind Insurance Company LTD (Hurricane insurance not available) = A+ (No complaints in 2010)

6. Dongbu Insurance Company LTD = A+ (No complaints in 2010)

7. Island Insurance Company LTD (Hurricane insurance not available) = A+ (No complaints in 2010)

8. United States Fire Insurance Company (Hurricane insurance not available) = A+ (No complaints in 2010)

9. First Security Insurance Company of Hawaii, Inc. = A+ (No complaints in 2010)

10. Farmers Insurance Hawaii, Inc. = A+ (No complaints in 2010)

11. DTRIC Insurance Company LTD (Hurricane insurance not available) = A+ (No complaints in 2010)

12. Federal Insurance Company (Chubb & Sons) = A+ (.18)

13. United Services Automobile Association (USAA) (Available only to active military, their families, and honorably discharged veterans) = A (.28)

14. USAA Casualty Insurance Company (Available only to active military, their families, and honorably discharged veterans) = A (.30)

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

16. Liberty Mutual Fire Insurance Company (Hurricane insurance not available) = A- (.49)

17. First Insurance Company of Hawaii LTD = C (.97)

18. Allstate Insurance Company (Hurricane insurance not available) = C (.99)

19. Hartford Underwriters Insurance Company = D (1.82)

20. American Reliable Insurance Company = F (2.72)

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

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