Does your home 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 company any good? Will you have a bad experience when you need your home insurance company? Most consumers fail to check the complaint records of their car and home insurance companies. This blog post provides complaint information for the twenty four largest insurance companies selling property (homeowners, condo, mobile home, renters) insurance in South Carolina, and rates & ranks them based on their 2010 national complaint record (Accurate 2011 complaint records are not available yet). Know about the best & worst insurance companies in South Carolina!
I blog frequently to help you know the best policies & prices for auto, home, & life insurance, so bookmark or place my site in your favorites!
With my state reviews, I like to use state complaint statistics, to tell you if an insurance company has a better or worse complaint record in your state, compared to the state record of competing insurance companies.
Unfortunately, not all state insurance departments provide state complaint ratios. South Carolina is one not having them available, though you can call the South Carolina Department of Insurance, and they will tell you the number of complaints for an insurance company. I like it when states provide state complaint ratios. 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, or more or less complaints as compared to other companies.
A state’s insurance department website is a good place to find consumer information about insurance & insurance companies.
Here’s the link to the South Carolina Department of Insurance Web site, which I used as a resource to find the 24 biggest (by SC market share) insurance companies selling home insurance in South Carolina.
As I mentioned earlier in this blog entry, it helps to have a company’s complaint ratio to fairly compare one insurance company’s complaint record with another insurance company’s complaint record.
I devised a letter grade system, using the national homeowners insurance complaint ratios from my website, for the insurance companies listed below, to make it easy to tell a property insurance company with a great or good complaint record, from an insurance company with a poor or average complaint record.
I list the insurance companies with close to 1% or more of the S. Carolina home insurance market. But there are many more insurance companies selling home insurance in SC, and a good percentage (roughly 20-30% of the market) of companies have less than 1% market share, including big national insurance companies, like Amica, Chubb, Fireman’s Fund, and Metropolitan (Metlife). These companies may provide great service, and/or have the lowest rate for you.
You can find information about other auto & home insurance companies by visiting the main page of my website. You can see more national auto & home insurance complaint ratios for other companies not on the list below, in addition to AM Best financial strength ratings and JD Power customer satisfaction ratings for all the major auto & home insurance companies in the USA.
Here is my grading system. I also list the national homeowners 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 homeowners insurance company.
Insurance companies frequently have several subsidiary home 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, Travelers has many property insurance companies selling home insurance in SC. Standard Fire Insurance Company, Travelers Home & Marine Insurance Company & Automobile Insurance Company of Hartford are three Travelers companies making the list. The last company name sounds like it should be a Hartford company, but it is a Travelers company.
If the subsidiary insurance company quoting or insuring you is not on this list, check the insurance review for the parent company on my website to find it. If you can’t find it on my website, e-mail me, or leave a message for me on Facebook or Twitter, and I will research it for you. See my contact information at the end of this blog post.
If you want to decrease the chance of having a problem with your insurance company, go with the highest ranked property insurance company, although it could cost more. The good news is the best insurance companies often have very good rates. You can insure with a better insurance company AND save money!
Here’s the list. Remember to shop with as many companies as possible, so you can find the best rates, service, & coverage for you.
24 Top South Carolina Home Insurance Companies Ranked from Best to Worst by Their 2010 National Complaint Records
1. Chartis Casualty Company (AIG) = A+ (No home insurance complaints in 2010) (Chartis specializes insuring high value homes)
2. Privilege Underwriters Reciprocal Exchange = A+ (No home insurance complaints in 2010)
3. Fidelity Fire & Casualty Company = A+ (.13)
4. Owners Insurance Company (Auto-Owners) = A+ (.14)
5. Universal North America Insurance Company = A+ (.22)
6. United Services Automobile Association ( USAA ) = A (.28) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).
7. South Carolina Farm Bureau Mutual Insurance Company = A (.30)
8. USAA Casualty Insurance Company = A (.30) (USAA sells only to the military, their immediate family members, and honorably discharged veterans).
9. Allstate Indemnity Company = A (.38)
10. State Farm Fire & Casualty Company = A (.44)
11. Liberty Mutual Fire Insurance Company = A- (.49)
12. Automobile Insurance Company of Hartford, CT (Travelers, NOT Hartford) = B (.56)
13. Safeco Insurance Company of America= B (.67)
14. Nationwide Mutual Fire Insurance Company = B (.76)
15. Auto-Owners Insurance Company = B (.83)
16. Standard Fire Insurance Company (Travelers) = B (.86)
17. Nationwide Property & Casualty Insurance Company = C- (.90)
18. Allstate Property & Casualty Insurance Company = C- (.90)
19. Allstate Insurance Company = C (.99)
20. Travelers Home & Marine Insurance Company = C- (1.10)
21. Foremost Insurance Company Grand Rapids, MI = D+ (1.14)
22. American Family Home Insurance Company (American Modern Group) = D+ (1.18)
23. Capitol Preferred Insurance Company = D (1.42)
24. American Bankers Insurance Company of Florida = D- (1.94)
Now you know the complaint ratings for the major home insurance companies in South Carolina. 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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