Does your homeowners insurance company have a very large 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? Will you have a bad experience when you need your insurance company? Most consumers fail to check the complaint records of their auto & home insurance companies. This blog post provides complaint information for twenty-one major Oklahoma home insurance companies, including the 10 largest home insurers in Oklahoma, and rates and ranks them based on their 2010 national complaint record (Accurate 2011 complaint records are not available yet). Be aware of the best & worst insurance companies in Oklahoma.

I blog frequently to help you find 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 home insurance 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 state complaint ratios. Oklahoma is one of them. Home insurance complaint ratios are helpful to compare insurance companies, to see if an insurance company has a higher than average, or lower than average number of home insurance complaints, adjusted based on the insurance company’s market share.

A state’s insurance department website is a good place to find out consumer information about insurance & insurance companies.

Here is the link to the Oklahoma Insurance Department Website, which I used as a resource to find the 21 insurance companies on this list, including the ten largest insurance companies selling residential property insurance in Oklahoma.

As I mentioned earlier in this blog entry, 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 home insurance complaint ratios from my website, for the insurance companies listed below, 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 web site for more national insurance complaint ratios for other leading companies not on this list, AM Best financial strength ratings, and JD Power customer satisfaction ratings, for all the major auto & home insurance companies in the United States.

Here is my grading system. I also list the national home insurance complaint ratio for each company (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 insurance company.

Insurance companies frequently have several subsidiary property (condo, renters, homeowners, mobile home, rental dwelling) insurance companies. Make sure you know the correct name of the insurance subsidiary quoting or insuring you, to check the proper complaint grade. For example, Liberty Mutual has two companies on this list: Liberty Mutual Fire Insurance Company & Liberty Insurance Corporation.

If you want to decrease the chance of having a problem with your property insurance company, go with the highest ranked insurance company, although it could cost more. The good news is the best insurance companies often have great 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.

21 Major Oklahoma Insurance Companies Ranked from Best to Worst by Their 2010 National Homeowners Insurance Complaint Records

1. United Services Automobile Association = A (.28) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).

2. USAA Casualty Insurance Company = A (.30) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).

3. Allstate Indemnity Company = A (.38)

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

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

6. Shelter Mutual Insurance Company = B+ (.52)

7. Liberty Insurance Corporation = B (.54)

8. Metropolitan Property & Casualty Insurance Company = B (.59)

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

10. American National Property & Casualty Company (ANPAC) = B (.78)

11. North Star Mutual Insurance Company = B- (.89)

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

13. State National Insurance Company = C (.95)

14. Allstate Insurance Company = C (.99)

15. AAA Fire & Casualty Insurance Company (ACA Insurance Company) (AAA /Auto Club) = C (1.07)

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

17. Farmers Insurance Company, Inc. = D (1.21)

18. Hanover Insurance Company = D (1.23)

19. Property & Casualty Insurance Company of Hartford = C (1.30)

20. American Farmers & Ranchers Mutual Insurance Company (AFR) = D (1.44)

21. Oklahoma Farm Bureau Mutual Insurance Company = D (1.71)

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