Does your home insurance company have many customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Will you find out your company is good or bad? Most consumers fail to check the complaint records of their home & auto insurance companies. This blog post provides complaint information for twelve of the largest Nebraska home insurance companies, and rates & ranks them based on their 2010 national complaint record (Accurate 2011 complaint information is not available yet). Know the best and worst home insurance companies in Nebraska!
I’m always blogging to help people find the best policies and prices for auto, dwelling, & life insurance, so bookmark or place my website in your favorites!
With my state reviews, I like to use state home insurance complaint ratios, so you can know 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 these complaint statistics. Nebraska is one not providing them on their website. Complaint ratios help you compare home insurance companies, to see if an insurance company has a higher than average, or lower than average number of complaints, or how their complaint record compares with other companies.
A state’s department of insurance website has consumer information about insurance & insurance companies.
Here is the link to the Nebraska Department of Insurance Website, which I used as a resource to find these 12 top companies.
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 in this blog post, to make it easy to tell an insurance company with a good or great complaint record, from an insurance company with a poor or average complaint record.
What if your home insurance company is not on this list?
See my website for 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.
There are many smaller home insurance companies, so if my website does not show the insurance company you are looking for, e-mail me, or contact me through my facebook page (see the last paragraph of this blog post), and I will research the company for you.
Here is my grading system. I also list the national complaint ratio (the lower the number the better the complaint record). I checked the 2010 national complaint ratios today, so these numbers are more accurate than the national complaint ratios on my website — it takes over a year for all the complaint data to be reported.
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 almost always have a few subsidiary home insurance companies. For example, Allstate Insurance Company, and Allstate Property & Casualty Insurance Company, are both owned by Allstate, and they both insure homes in Nebraska. 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 limit 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. You can use my website to find more companies not on this list.
12 Top Nebraska Home Insurance Companies Ranked & Rated from Best to Worst by Their 2010 National Complaint Records
1. United Services Automobile Association = A+ (.24) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).
2. State Farm Fire & Casualty Company = A (.41)
3. Shelter Mutual Insurance Company = B (.55)
4. Metropolitan Property & Casualty Insurance Company = B (.58)
5. AMCO Insurance Company (An Allied Insurance company) = B (.63)
6. Allstate Property & Casualty Insurance Company = B (.65)
7. American Family Mutual Insurance Company = B (.82)
8. Travelers Home & Marine Insurance Company = B- (.87)
9. Farmers Insurance Exchange (A Farmers Insurance Group company) = D (1.30)
10. Farm Bureau Property & Casualty Insurance Company = D (1.62)
11. Farmers Mutual Insurance Company of Nebraska (NOT part of Farmers Insurance Group)= D- (1.84)
12. Homesite Indemnity Company (Partners with auto insurance companies like Geico, Esurance, Progressive, & GMAC to sell its property insurance in some states) = F (5.08)
Now you know the complaint ratings for the major home insurance companies in Nebraska. 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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