Do you know if your home-owners insurance company has many customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? Will you find out your home insurance company is good or bad when you need them to help you? Many consumers fail to check the complaint records of their home insurance companies. This blog post provides complaint information for Thirty-five major New Hampshire property insurance (homeowners/ renters/ dwelling/ condo/ mobile home) companies, and rates & ranks them, from best to worst, based on their 2010 national home insurance complaint record (Accurate 2011 complaint records are not available yet).
I”m always blogging to help you find the best policies & rates for car, home, & term life insurance. Please bookmark or place my website in your favorites to use when you need it!
With my state reviews, I like to use the state complaint statistics, to show you if a home insurance company has a better or worse complaint record in your state, compared to the state complaint record of competing home insurance companies.
Unfortunately, not all state insurance departments provide complaint ratios. The New Hampshire Insurance Department is one of the states not providing state home insurance complaint information. Complaint ratios can be used to compare home insurance companies, to see if a home insurance 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 terrific place to find out consumer information about insurance & insurance companies.
Here is the link to the New Hampshire Insurance Department Website, which I used as a resource to find the major 35 insurance companies selling property insurance in New Hampshire.
Below is the list of the major home insurance companies in New Hampshire, ranked by their national home insurance complaint ratios from my website. A complaint ratio of 1.00 is average. A ratio higher than one is worse than average. A ratio less than 1.00 is better than average. A complaint ratio of “0” means no complaints in 2010. The lowest complaint ratio has the best complaint record, and the highest complaint ratio has the worst complaint record.
For example, a complaint ratio of .25 has one fourth of the number of home insurance complaints (after adjusting for the company’s size) of the average company. A complaint ratio of .75 has 75% the number of claims of the average company. A complaint ratio of 7.00 has a complaint record seven times the number of complaints of the average company.
I devised a letter grade system, using the national home insurance complaint ratios for the insurance companies in this blog article, to make it easy to tell a home insurance company with a great or good complaint record, from a home insurance company with a poor or average complaint record.
Visit my web site to see more national complaint ratios, & JD Power customer satisfaction ratings, for home insurance companies (or to find complaint information regarding auto insurance companies) not on this list.
Here is my grading system. I also list the national home insurance complaint ratio for each company. Remember, 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 a home insurance company.
Insurance companies frequently have several subsidiary home insurance companies. For example, Allstate Insurance Corporation has three companies on this list — Allstate Indemnity Company, Allstate Property & Casualty Insurance Company, & Allstate Insurance Company. 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 possibility of problems with your home insurance company, go with the highest ranked insurance company — even if it costs more. The good news is the best home-owners insurance companies can have very good rates. You can choose 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.
35 Major New Hampshire Home Insurance Companies Ranked from Best to Worst by Their 2010 National Home Insurance Complaint Records
1. Co Operative Insurance Company = A+ (No home insurance complaints in 2010)
2. Mt Washington Assurance Corporation = A+ (No home insurance complaints in 2010)
3. Citizens Insurance Company of America (A Hanover company) = A+ (.11)
4. Massachusetts Bay Insurance Company (A Hanover company) = A (.27)
5. Vigilant Insurance Company (A Chubb & Son company) = A (.27)
6. United Services Automobile Association (USAA) (USAA sells only to the military, their immediate family members, and honorably discharged veterans) = A (.28)
7. USAA Casualty Insurance Company (USAA sells only to the military, their immediate family members, and honorably discharged veterans) = A (.30)
8. Commerce Insurance Company = A (.31)
9. Amica Mutual Insurance Company = A (.32)
10. Allstate Indemnity Company = A (.38)
11. Foremost Insurance Company of Grand Rapids, MI = A (.38)
12. Merrimack Mutual Fire Insurance Company (An Andover Insurance Group company) = A (.43)
13. State Farm Fire & Casualty Company = A (.44)
14. Liberty Mutual Fire Insurance Company = A- (.49)
15. Liberty Insurance Corporation = B (.54)
16. Metropolitan Property & Casualty Insurance Company = B (.59)
17. Inter-Insurance Exchange of The Auto Club (AAA) = B (.61)
18. Safeco Insurance Company of America = B (.67)
19. Peerless Insurance Company = B (.68)
20. NGM Insurance Company (A Main St America Group company) = B (.73)
21. New England Guaranty Insurance Company (A Union Mutual of VT company) = B (.74)
22. Nationwide Mutual Fire Insurance Company = B (.76)
23. Vermont Mutual Insurance Company = B (.77)
24. York Insurance Company of Maine = B (.78)
25. Metropolitan Group Property & Casualty Insurance Company = B (.83)
26. Standard Fire Insurance Company (A Travelers company) = B- (.86)
27. Allstate Property & Casualty Insurance Company = C+ (.90)
28. Nationwide Property & Casualty Insurance Company = C+ (.90)
29. Cambridge Mutual Fire Insurance Company (An Andover Insurance Group company) = C (.93)
30. Allstate Insurance Company = C (.99)
31. Travelers Home & Marine Insurance Company = C- (1.10)
32. Hartford Insurance Company of the Midwest = D (1.61)
33. Concord General Mutual Insurance Company = D (1.67)
34. MMG Insurance (A Maine Mutual Group company) = D (1.74)
35. Phenix Mutual Fire Insurance Company = D (1.75)
Now you know the complaint ratings for the major home insurance companies in New Hampshire.. 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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