West Virginia Home Insurance Reviews: Complaint Ratings For 20 Top Companies

Does your home insurance company have a large amount of customer complaints? Will you have problems placing a claim, or have a valid claim delayed or denied? When do you want to find out if your insurance company is any good? Most consumers fail to check the complaint records of their auto & property (homeowners, renters, condo, mobile home, dwelling) insurance companies. This blog post provides complaint information for the 20 largest insurance companies insuring homes in West Virginia, & ranks them based on their 2010 national complaint ratings (Accurate 2011 complaint records are not available yet). Know the best and worst companies!

I’m always blogging to help you choose the best policies and prices for auto, homeowners, & life insurance, so bookmark or place my website in your favorites!

With my state reviews, I always like to use homeowners insurance complaint ratios collected by your state, to tell you if an insurance company has a better or worse complaint record for the state in which you reside, compared to competing insurance companies.

Unfortunately, not every state’s insurance department provides complaint ratios. West Virginia does not have state complaint information available to the public.

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

Here is the link to the West Virginia Office of the Insurance Commissioner Website, which I used as a resource to find the biggest home insurance companies, including all companies with 1% or more of the West Virginia homeowners insurance market.

As I mentioned earlier in this blog post, it helps to have insurance company complaint ratios, 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 homeowners insurance complaint ratios 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.

Although I list the leading 20 companies, there are 79 companies insuring homes in West Virginia. Some of these companies outside the top twenty, are large national insurance companies with great reputations, Like Amica Mutual Insurance Company, or Cincinnati Insurance Company. The 20 leading companies may not be the companies with the best rates, coverage, & service for you, so you should also consider other companies not on the list below.

For additional information, got to my website home page to see more auto & home insurance complaint ratios, AM Best financial strength ratings, and JD Power customer satisfaction ratings & claims satisfaction ratings, for insurance companies, including insurance companies not on this list.

Here is my grading system. I also show the national homeowners insurance complaint ratio (the lower the number the better the complaint record) for each company listed.

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!

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Insurance companies frequently have several subsidiary insurance companies insuring homes in W. Virginia. For example, Nationwide owns both Nationwide Mutual Fire Insurance Company, and Nationwide Property & Casualty Insurance Company, in addition to other home insurance subsidiaries not large enough to make this list. Make sure you know the correct name of the insurance subsidiary quoting or insuring you, to check the proper complaint grade. If your company is not on this list, check its complaint grade on my website.

All these companies insure residential property in West Virginia, but not all of them may be selling new policies. You may not be eligible or qualify to buy insurance from all these companies. Don’t be discouraged. There are plenty of good companies wanting your business. Even if you have had claims, you have options, though they may be limited to a few companies.

If you want to decrease the chance of having a problem with your insurance company, choose among the highest ranked insurance companies — even if it costs more. The good news is the best insurance companies often have very good rates, and you can find 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 combination of low rates, service, & coverage for you.

20 Top West Virginia Property Insurance Companies Ranked from Best to Worst by Their 2010 National Homeowners Insurance Complaint Records

1. Motorists Mutual Insurance Company = A+ (.10)

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

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

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

5. State Auto Property & Casualty Insurance Company = B (.60)

6. Erie Insurance Property & Casualty Company = B (.63)

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

8. Encompass Indemnity Company = B (.74)

9. Nationwide Mutual Fire Insurance Company = B (.76)

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

11. Nationwide Property & Casualty Insurance Company = C+ (.90)

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

13. Encompass Insurance Company of America = C+ (.90)

14. Allstate Insurance Company = C (.99)

15. Municipal Mutual Insurance Company = C (1.06)

16. Foremost Insurance Company Grand Rapids, MI= D+ (1.14) (Foremost specializes in mobile home & trailer insurance)

17. Wva Insurance Company = D+ (1.16)

18. Westfield Insurance Company = D+ (1.19)

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

20. Farmers & Mechanics Mutual Fire Insurance Company of W. Virgina = F (6.01)

Now you know the complaint ratings for the biggest home insurance companies in West Virginia. 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.

Do you have any questions or commentary about these West Virginia home insurance ratings or rankings? Tell me about it. Please leave a comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.