Does your homeowners insurance company have a huge amount of customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Is your home insurance company any good? Most consumers fail to check the complaint records of their insurance companies. This blog post provides complaint information for 12 leading Montana property insurance companies, selling the most home insurance in the state, and rates & ranks them based on their 2010 national complaint record (Accurate 2011 complaint information is not available yet). Know the best and worst homeowners insurance companies in Montana!
I’m always blogging to help you find the best policies & prices for car, house, & life insurance, so bookmark or place my website in your favorites!
With my state reviews, I like to use the state complaint ratios, so you can know if an insurance company has a better or worse complaint record in your state, compared to other insurance companies.
Unfortunately, not every state’s insurance department provides complaint ratios. Montana is one of the states not providing state complaint statistics. Complaint ratios are needed to compare home insurance companies, to see if an insurance company has a higher than average, or lower than average number of complaints, adjusted for the insurance company’s market share.
A state’s department of insurance website is a good place to find out consumer information about insurance & insurance companies.
Here is the link to the Montana Department of Insurance Website, which I used as a resource to find the 12 companies selling the most home insurance in Montana.
As I mentioned earlier in this blog post, complaint ratios help you 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 good or great complaint record, from an insurance company with a poor or so-so complaint record.
Visit my web site to see more complaint ratios, and JD Power customer satisfaction ratings, for homeowners 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,condo, mobile home, or renters insurance company.
Insurance companies almost always have several subsidiary property insurance companies, and you can’t always tell the parent company by the subsidiary name. For example, Sentinel Insurance Company is a part of Hartford Insurance. Make sure you know the correct name of the insurance subsidiary company 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 higher ranked home insurance companies — even if it costs more. The good news is the best insurance companies can 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. You can use my website to find more companies not on this list.
12 Top Montana Home Insurance Companies Ranked & Rated from Best to Worst by Their 2010 National Complaint Records
1. United Services Automobile Association = A+ (.25) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).
2. Austin Mutual Insurance Company = A (.28)
3. USAA Casualty Insurance Company = A (.28) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).
4. Trinity Universal Insurance Company (A Kemper/Unitrin company) = A(.30)
5. Mountain West Farm Bureau Mutual Insurance Company = A (.33)
6. Depositors Insurance Company (An Allied company) = A (.33)
7. State Farm Fire & Casualty Company = B (.42)
8. Allstate Property & Casualty Insurance Company = B (.67)
9. Safeco Insurance Company of America = B- (.86)
10. Travelers Home & Marine Insurance Company = B- (.89)
11. Sentinel Insurance Company LTD(A Hartford company) = C (.95)
12. Farmers Insurance Exchange = D (1.33)
Now you know the complaint ratings for the leading home insurance companies in Montana. 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 major insurance companies, evaluate their customer service, and find the best price for you.
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