This NJ Home insurance company review gives you the 2012, 2011 & 2010 complaint ratings for the major companies insuring homes in the Garden State. It’s tough to find reliable insurance company reviews on the Web. Reading reviews of several people’s experience, or even two hundred people’s experience, are not enough to evaluate an insurance company with hundreds of thousands of customers, and tell you what your experience is likely to be with the company, if you insure with them. One person will love a company. Another person will hate the same company the other person loves. Unfortunately, no amount of research about a company’s customer service can guarantee you won’t have a problem. Even the most highly rated companies for customer satisfaction will have customers thinking they were treated unfairly, or the company did not properly settle a claim for them.
However, a smart insurance buyer reduces the chances of having a bad experience, by checking an insurance company’s JD Power ratings and complaint statistics for the company, before insuring with them. Although some states publish insurance company complaint statistics on their websites, few consumers check for their availability. New Jersey does not publish their home insurance complaint statistics, but national complaint data about the insurance companies insuring homes in NJ is available. This review will tell you if these NJ home insurance companies have an above-average, average, or below-average customer complaint record over the last three years, and their JD Power ratings, if they were included in a JD Power home insurance claims or customer satisfaction survey in the last three years (2013, 2012, & 2011).
Reading this review, and using it to select an home insurance company, can’t guarantee you will get great service or be happy with how your next claim is settled, but it gives you the information you need in one place, to help you make a smarter decision when choosing an home insurance company. How is your home insurance company performing? Check your company’s ratings in this review below.
It’s important to choose an homeowners insurance company with a good complaint record, but the most important reason you must shop your homeowners insurance is to get the proper insurance coverage. You need to adequately protect the biggest asset most people own — your home — and home insurance coverage options can be VERY different among insurance companies. You should shop your homeowners insurance every year, as you should with your auto insurance. Check the rates and coverage of ALL the leading homeowners insurance companies, so you can get the best combination of cost, coverage, and customer service. Agents who know how coverage differs among homeowners insurance companies will be a great source of information to you.
The home insurance complaint ratios show the relationship of a company’s U.S. market share of closed home, condo, mobile home, renters insurance complaints compared to the company’s U.S. market share of premiums for these specific policy types. Complaint ratios lower than “1” have less complaints than average, and complaint ratios over “1” have more complaints than average. The lower the complaint ratio, the less complaints against the company. The higher the complaint ratio, the more complaints against the company. However, companies with very small market shares can have high complaint ratios with only 1 or 2 complaints. I indicate when a high complaint ratio is caused by only one complaint, and you should not disregard companies based on these complaint statistics alone.
The complaint ratios are number scores, & harder to compare at a glance. I devised a rating system, giving grades to companies based on the complaint ratios, to make it easier to compare companies, find the best home insurance companies, and avoid the worst insurance companies.
B = Better than average. Insurance companies with complaint ratios less than 75% of the average insurance company.
C = Average. Insurance companies with complaint ratios from 75% to 125% of the average insurance company.
W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.
Consider these ratings, along with price and other factors (as listed on my website), when choosing an homeowners insurance company.
A portion of the insurance companies on this list no longer sell new homeowners insurance policies. If you are insured with one of them, and decide to cancel your policy, you may not be likely to have it reinstated, if you change your mind. However, if your insurance company is rated poorly for complaints, changing home insurance companies might be in your best interest.
NJ Home Insurance Companies Complaint & JD Power Ratings for 2010, 2011, & 2012 (Listed Alphabetically)
AAA Mid-Atlantic Insurance Company of NJ
2012 Homeowners Insurance Complaint Ratio = W (2.12)
2011 Homeowners Insurance Complaint Ratio = W (4.60)
2010 Homeowners Insurance Complaint Ratio = W (2.50)
Allstate New Jersey Insurance Company
2012 Homeowners Insurance Complaint Ratio = W (1.55)
2011 Homeowners Insurance Complaint Ratio = C (1.18)
2010 Homeowners Insurance Complaint Ratio = C (.86)
American Bankers Insurance Company of FL
2012 Homeowners Insurance Complaint Ratio = C (1.06)
2011 Homeowners Insurance Complaint Ratio = W (1.84)
2010 Homeowners Insurance Complaint Ratio = W (1.95)
American Commerce Insurance Company (AAA)
2012 Homeowners Insurance Complaint Ratio = C (.79)
2011 Homeowners Insurance Complaint Ratio = C (.90)
2010 Homeowners Insurance Complaint Ratio = C (.79)
American Fire & Casualty Company (Ohio Casualty Group) (Not selling new policies)
2012 Homeowners Insurance Complaint Ratio = W (1.67)
2011 Homeowners Insurance Complaint Ratio = W (2.27)
2010 Homeowners Insurance Complaint Ratio = W (1.49)
American Home Assurance Company (AIG)
2012 Homeowners Insurance Complaint Ratio = B (.69)
2011 Homeowners Insurance Complaint Ratio = B (.28)
2010 Homeowners Insurance Complaint Ratio = B (.18)
American Insurance Company (A Firemans Fund / Allianz company) (Not writing new policies)
2012 Homeowners Insurance Complaint Ratio = B (.09)
2011 Homeowners Insurance Complaint Ratio = C (.83)
2010 Homeowners Insurance Complaint Ratio = B (.25)
American International Insurance Company of NJ (Chartis Property Casualty Company)
2012 Homeowners Insurance Complaint Ratio = B (.14)
2011 Homeowners Insurance Complaint Ratio = B (.09)
2010 Homeowners Insurance Complaint Ratio = B (.12)
American Strategic Insurance Corp
2012 Homeowners Insurance Complaint Ratio = B (.70)
2011 Homeowners Insurance Complaint Ratio = C (.78)
2010 Homeowners Insurance Complaint Ratio = B (.71)
Amica Mutual Insurance Company
2012 Homeowners Insurance Complaint Ratio = B (.29)
2011 Homeowners Insurance Complaint Ratio = B (.24)
2010 Homeowners Insurance Complaint Ratio = B (.27)
Armed Forces Insurance Exchange (Restricted membership to the military)
2012 Homeowners Insurance Complaint Ratio = C (.99)
2011 Homeowners Insurance Complaint Ratio = B (.44)
2010 Homeowners Insurance Complaint Ratio = B (.62)
Balboa Insurance Company
2012 Homeowners Insurance Complaint Ratio = W (6.34)
2011 Homeowners Insurance Complaint Ratio = W (3.63)
2010 Homeowners Insurance Complaint Ratio = W (5.44)
Bankers Standard Insurance Company
2012 Homeowners Insurance Complaint Ratio = B (.43)
2011 Homeowners Insurance Complaint Ratio = B (.22)
2010 Homeowners Insurance Complaint Ratio = B (.06)
Bay State Insurance Company (Andover Group)
2012 Homeowners Insurance Complaint Ratio = B (.24)
2011 Homeowners Insurance Complaint Ratio = W (1.58)
2010 Homeowners Insurance Complaint Ratio = C (.81)
California Casualty & Fire Insurance Company
2012 Homeowners Insurance Complaint Ratio = W (6.94) (Only 1 complaint)
2011 Homeowners Insurance Complaint Ratio = W (10.21) (Only 1 complaint)
2010 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
Cambridge Mutual Fire Insurance Company (Andover Group)
2012 Homeowners Insurance Complaint Ratio = B (.37)
2011 Homeowners Insurance Complaint Ratio = B (.28)
2010 Homeowners Insurance Complaint Ratio = C (.93)
Castlepoint Insurance Company (Tower Group)
2012 Homeowners Insurance Complaint Ratio = B (.48)
2011 Homeowners Insurance Complaint Ratio = B (.54)
2010 Homeowners Insurance Complaint Ratio = B (.24)
Chartis Property Casualty Company (AIG)
See American International Insurance Company of NJ ratings above
Chubb Insurance Company of NJ
2012 Homeowners Insurance Complaint Ratio = B (.54)
2011 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
2010 Homeowners Insurance Complaint Ratio = C (1.25)
Citizen’s Insurance Company of America (Hanover Group)
2012 Homeowners Insurance Complaint Ratio = B (.35)
2011 Homeowners Insurance Complaint Ratio = B (.19)
2010 Homeowners Insurance Complaint Ratio = B (.12)
Cumberland Mutual Fire Insurance Company
2012 Homeowners Insurance Complaint Ratio = W (2.20)
2011 Homeowners Insurance Complaint Ratio = W (1.76)
2010 Homeowners Insurance Complaint Ratio = C (1.10)
Electric Insurance Company
2012 Homeowners Insurance Complaint Ratio = B (.73)
2011 Homeowners Insurance Complaint Ratio = B (.48)
2010 Homeowners Insurance Complaint Ratio = C (1.09)
Empire Fire & Marine Insurance Company
2012 Homeowners Insurance Complaint Ratio = W (1.63)
2011 Homeowners Insurance Complaint Ratio = W (1.68)
2010 Homeowners Insurance Complaint Ratio = C (.91)
Encompass Insurance Company of NJ
2012 Homeowners Insurance Complaint Ratio = W (3.00)
2011 Homeowners Insurance Complaint Ratio = W (2.11)
2010 Homeowners Insurance Complaint Ratio = B (.67)
Encompass Property & Casualty Insurance Company of NJ
2012 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
2011 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
2010 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
Excelsior Insurance Company
2012 Homeowners Insurance Complaint Ratio = C (.85)
2011 Homeowners Insurance Complaint Ratio = W (1.78)
2010 Homeowners Insurance Complaint Ratio = C (1.00)
Farm Family Casualty Insurance Company (not writing new policies)
2012 Homeowners Insurance Complaint Ratio = W (1.66)
2011 Homeowners Insurance Complaint Ratio = W (2.03)
2010 Homeowners Insurance Complaint Ratio = W (3.11)
Farmers Insurance Company of Flemington (NOT Farmers Insurance Group)
2012 Homeowners Insurance Complaint Ratio = W (1.56)
2011 Homeowners Insurance Complaint Ratio = W (1.59)
2010 Homeowners Insurance Complaint Ratio = W (2.56)
Farmers Mutual Fire Insurance Company of Salem County (NOT Farmers Insurance Group)
2012 Homeowners Insurance Complaint Ratio = W (3.63)
2011 Homeowners Insurance Complaint Ratio = W (2.85)
2010 Homeowners Insurance Complaint Ratio = C (.97)
Federal Insurance Company (Chubb Group)
2012 Homeowners Insurance Complaint Ratio = B (.13)
2011 Homeowners Insurance Complaint Ratio = B (.17)
2010 Homeowners Insurance Complaint Ratio = B (.19)
Fidelity Mohawk Insurance Company (Franklin Mutual Group) (Not writing new policies)
2012 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
2011 Homeowners Insurance Complaint Ratio = W (2.98)
2010 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
Fidelity National Property & Casualty Insurance Company
2012 Homeowners Insurance Complaint Ratio = W (2.74)
2011 Homeowners Insurance Complaint Ratio = W (4.29)
2010 Homeowners Insurance Complaint Ratio = C (1.15)
Fireman’s Fund Indemnity Corp. (Not writing new policies)
2012 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
2011 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
2010 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
Fireman’s Fund Insurance Company (Not writing new policies)
2012 Homeowners Insurance Complaint Ratio = B (.15)
2011 Homeowners Insurance Complaint Ratio = B (.54)
2010 Homeowners Insurance Complaint Ratio = B (.27)
First American Property & Casualty Insurance Company
2012 Homeowners Insurance Complaint Ratio = W (1.69)
2011 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
2010 Homeowners Insurance Complaint Ratio = W (1.72)
Fitchburg Mutual Insurance Company
2012 Homeowners Insurance Complaint Ratio = W (1.87)
2011 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
2010 Homeowners Insurance Complaint Ratio = W (1.69)
FMI Insurance Company (Franklin Mutual Group)
2012 Homeowners Insurance Complaint Ratio = W (1.28)
2011 Homeowners Insurance Complaint Ratio = W (1.32)
2010 Homeowners Insurance Complaint Ratio = B (.59)
Foremost Insurance Company
2012 Homeowners Insurance Complaint Ratio = B (.61)
2011 Homeowners Insurance Complaint Ratio = C (1.17)
2010 Homeowners Insurance Complaint Ratio = C (1.10)
Founders Insurance Company
2012 Homeowners Insurance Complaint Ratio = W (1.69) (Only 1 complaint)
2011 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
2010 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
Franklin Mutual Insurance Company
2012 Homeowners Insurance Complaint Ratio = W (2.40)
2011 Homeowners Insurance Complaint Ratio = W (4.41)
2010 Homeowners Insurance Complaint Ratio = B (.40)
Germantown Insurance Company (Philadelphia Contribution Group)
2012 Homeowners Insurance Complaint Ratio = B (.28)
2011 Homeowners Insurance Complaint Ratio = B (.32)
2010 Homeowners Insurance Complaint Ratio = B (.36)
Graphic Arts Mutual Insurance Company (Utica Mutual Group) (Not writing new policies)
2012 Homeowners Insurance Complaint Ratio = B (.52)
2011 Homeowners Insurance Complaint Ratio = W (1.55)
2010 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
2012 Homeowners Insurance Complaint Ratio = B (.14)
2011 Homeowners Insurance Complaint Ratio = B (.11)
2010 Homeowners Insurance Complaint Ratio = B (.17)
Hanover Insurance Company
2012 Homeowners Insurance Complaint Ratio = W (1.57)
2011 Homeowners Insurance Complaint Ratio = W (2.00)
2010 Homeowners Insurance Complaint Ratio = W (1.29)
Harleysville Insurance Company of NJ
2012 Homeowners Insurance Complaint Ratio = C (1.23)
2011 Homeowners Insurance Complaint Ratio = W (2.61)
2010 Homeowners Insurance Complaint Ratio = B (.74)
Hartford Underwriters Insurance Company (Not writing new policies)
2012 Homeowners Insurance Complaint Ratio = C (.96)
2011 Homeowners Insurance Complaint Ratio = W (1.71)
2010 Homeowners Insurance Complaint Ratio = W (1.90)
High Point Preferred Insurance Company (Plymouth Rock Assurance Group) (Not writing new policies)
2012 Homeowners Insurance Complaint Ratio = B (.53)
2011 Homeowners Insurance Complaint Ratio = C (1.24)
2010 Homeowners Insurance Complaint Ratio = W (1.63)
Homesite Insurance Company
2012 Homeowners Insurance Complaint Ratio = W (3.59)
2011 Homeowners Insurance Complaint Ratio = W (4.03)
2010 Homeowners Insurance Complaint Ratio = W (2.08)
IDS Property Casualty Insurance Company (Ameriprise/Costco/American Express)
2012 Homeowners Insurance Complaint Ratio = B (.50)
2011 Homeowners Insurance Complaint Ratio = C (.79)
2010 Homeowners Insurance Complaint Ratio = C (.77)
Liberty Mutual Fire Insurance Company (Not writing new policies)
2012 Homeowners Insurance Complaint Ratio = B (.49)
2011 Homeowners Insurance Complaint Ratio = B (.61)
2010 Homeowners Insurance Complaint Ratio = B (.52)
Liberty Mutual Mid-Atlantic Insurance Company
2012 Homeowners Insurance Complaint Ratio = W (1.30)
2011 Homeowners Insurance Complaint Ratio = B (.36)
2010 Homeowners Insurance Complaint Ratio = W (2.16)
Massachusetts Bay Insurance Company (Hanover Group)
2012 Homeowners Insurance Complaint Ratio = B (.55)
2011 Homeowners Insurance Complaint Ratio = B (.59)
2010 Homeowners Insurance Complaint Ratio = B (.28)
Merastar Insurance Company
2012 Homeowners Insurance Complaint Ratio = W (4.51)
2011 Homeowners Insurance Complaint Ratio = W (4.07)
2010 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
Mercer Insurance Company of NJ Inc.
2012 Homeowners Insurance Complaint Ratio = W (1.48)
2011 Homeowners Insurance Complaint Ratio = W (3.02)
2010 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
Merchants Mutual Insurance Company
2012 Homeowners Insurance Complaint Ratio = C (.93)
2011 Homeowners Insurance Complaint Ratio = W (1.71)
2010 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
Merchant Preferred Insurance Company
2012 Homeowners Insurance Complaint Ratio = B (.61)
2011 Homeowners Insurance Complaint Ratio = B (.60)
2010 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
Merrimack Mutual Fire Insurance Company (Andover Group)
2012 Homeowners Insurance Complaint Ratio = B (.52)
2011 Homeowners Insurance Complaint Ratio = B (.47)
2010 Homeowners Insurance Complaint Ratio = B (.43)
Metropolitan Group Property & Casualty Insurance Company (Metlife Group)
2012 Homeowners Insurance Complaint Ratio = B (.62)
2011 Homeowners Insurance Complaint Ratio = B (.34)
2010 Homeowners Insurance Complaint Ratio = C (.87)
Metropolitan Property & Casualty Insurance Company ( Metlife Group)
2012 Homeowners Insurance Complaint Ratio = B (.36)
2011 Homeowners Insurance Complaint Ratio = B (.66)
2010 Homeowners Insurance Complaint Ratio = B (.58)
Narragansett Bay Insurance Company
2012 Homeowners Insurance Complaint Ratio = B (.31)
2011 Homeowners Insurance Complaint Ratio = B (.40)
2010 Homeowners Insurance Complaint Ratio = B (.64)
National Surety Corp. (Fireman’s Fund / Allianz Group)
2012 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
2011 Homeowners Insurance Complaint Ratio = B (.25)
2010 Homeowners Insurance Complaint Ratio = B (.38)
New Jersey Manufacturers Insurance Company
2012 Homeowners Insurance Complaint Ratio = B (.23)
2011 Homeowners Insurance Complaint Ratio = B (.15)
2010 Homeowners Insurance Complaint Ratio = B (.06)
New Jersey Re-insurance Company (New Jersey Manufacturers Group)
2012 Homeowners Insurance Complaint Ratio = W (5.66) (Only 1 complaint)
2011 Homeowners Insurance Complaint Ratio = W (11.56) (Only 2 complaints)
2010 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
New Jersey Skylands Insurance Association
2012 Homeowners Insurance Complaint Ratio = B (.60)
2011 Homeowners Insurance Complaint Ratio = W (1.73)
2010 Homeowners Insurance Complaint Ratio = C (1.08)
Ohio Casualty Insurance Company (Not selling new policies)
2012 Homeowners Insurance Complaint Ratio = W (4.98)
2011 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
2010 Homeowners Insurance Complaint Ratio = W (3.41)
Pacific Indemnity Company ( Chubb Group)
2012 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
2011 Homeowners Insurance Complaint Ratio = B (.13)
2010 Homeowners Insurance Complaint Ratio = B (.10)
Pacific Specialty Insurance Company
2012 Homeowners Insurance Complaint Ratio = W (2.22)
2011 Homeowners Insurance Complaint Ratio = W (3.78)
2010 Homeowners Insurance Complaint Ratio = W (3.28)
Palisades Property & Casualty Insurance Company (Plymouth Rock Assurance Group)
2012 Homeowners Insurance Complaint Ratio = C (1.05)
2011 Homeowners Insurance Complaint Ratio = B (.46)
2010 Homeowners Insurance Complaint Ratio = B (.40)
Philadelphia Contributionship Insurance
2012 Homeowners Insurance Complaint Ratio = W (1.58)
2011 Homeowners Insurance Complaint Ratio = C (1.14)
2010 Homeowners Insurance Complaint Ratio = C (1.00)
Praetorian Insurance Company
2012 Homeowners Insurance Complaint Ratio = B (.15)
2011 Homeowners Insurance Complaint Ratio = B (.44)
2010 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
Preferred Mutual Insurance Company
2012 Homeowners Insurance Complaint Ratio = C (1.08)
2011 Homeowners Insurance Complaint Ratio = B (.50)
2010 Homeowners Insurance Complaint Ratio = B (.74)
Privilege Underwriters Reciprocal Exchange
2012 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
2011 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
2010 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
Property & Casualty Insurance Company of Hartford (Hartford Group)
2012 Homeowners Insurance Complaint Ratio = C (1.08)
2011 Homeowners Insurance Complaint Ratio = W (1.40)
2010 Homeowners Insurance Complaint Ratio = C (1.19)
Providence Mutual Fire Insurance Company
2012 Homeowners Insurance Complaint Ratio = B (.38)
2011 Homeowners Insurance Complaint Ratio = C (.80)
2010 Homeowners Insurance Complaint Ratio = B (.64)
Public Service Mutual Insurance Company
2012 Homeowners Insurance Complaint Ratio = W (3.85) (Only 1 complaint)
2011 Homeowners Insurance Complaint Ratio = W (3.95) (Only 1 complaint)
2010 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
Quincy Mutual Fire Insurance Company (Not writing new policies)
2012 Homeowners Insurance Complaint Ratio = B (.34)
2011 Homeowners Insurance Complaint Ratio = C (.92)
2010 Homeowners Insurance Complaint Ratio = B (.55)
Rutgers Casualty Insurance Company
2012 Homeowners Insurance Complaint Ratio = W (3.72)
2011 Homeowners Insurance Complaint Ratio = W (2.42)
2010 Homeowners Insurance Complaint Ratio = W (1.27)
Selective Auto Insurance Company of NJ
2012 Homeowners Insurance Complaint Ratio = C (.80)
2011 Homeowners Insurance Complaint Ratio = B (.47)
2010 Homeowners Insurance Complaint Ratio = W (1.30)
Selective Insurance Company of America (Not writing new policies)
2012 Homeowners Insurance Complaint Ratio = W (9.33)
2011 Homeowners Insurance Complaint Ratio = W (2.40)
2010 Homeowners Insurance Complaint Ratio = W (1.95)
Selective Way Insurance Company (Not writing new policies)
2012 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
2011 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
2010 Homeowners Insurance Complaint Ratio = B (.47)
State Farm Fire & Casualty Company
2012 Homeowners Insurance Complaint Ratio = B (.45)
2011 Homeowners Insurance Complaint Ratio = B (.52)
2010 Homeowners Insurance Complaint Ratio = B (.41)
Tower Insurance Company of New York
2012 Homeowners Insurance Complaint Ratio = C (.84)
2011 Homeowners Insurance Complaint Ratio = C (.76)
2010 Homeowners Insurance Complaint Ratio = B (.52)
Tower National Insurance Company
2012 Homeowners Insurance Complaint Ratio = W (2.92)
2011 Homeowners Insurance Complaint Ratio = W (1.69)
2010 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
USAA Casualty Insurance Company
2012 Homeowners Insurance Complaint Ratio = B (.20)
2011 Homeowners Insurance Complaint Ratio = B (.46)
2010 Homeowners Insurance Complaint Ratio = B (.28)
United Service Auto Association (USAA)
2012 Homeowners Insurance Complaint Ratio = B (.16)
2011 Homeowners Insurance Complaint Ratio = B (.15)
2010 Homeowners Insurance Complaint Ratio = B (.25)
Utica Mutual Insurance Company
2012 Homeowners Insurance Complaint Ratio = W (1.99)
2011 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
2010 Homeowners Insurance Complaint Ratio = C (.88)
Vigilant Insurance Company (Chubb Group)
2012 Homeowners Insurance Complaint Ratio = B (.23)
2011 Homeowners Insurance Complaint Ratio = B (0) (No home insurance complaints)
2010 Homeowners Insurance Complaint Ratio = B (.28)
West American Insurance Company (Ohio Casualty Group) (Not selling new policies)
2012 Homeowners Insurance Complaint Ratio = C (.98)
2011 Homeowners Insurance Complaint Ratio = C (.89)
2010 Homeowners Insurance Complaint Ratio = C (.88)
Major NJ Home Insurance Companies Ranked by their JD Power Customer & Claims Satisfaction Ratings
1. USAA Insurance
Customer Satisfaction: For the JD Power 2012 US Home Insurance Customer Satisfaction Study, USAA received the highest rating of 5 power circles (among the best), scoring 910 points on the 1,000 point scale, which is 125 points (10.5%!) above the survey average of 785 points. In 2011, USAA scored 883 out of 1,000 points (the study average was 769 points), also earning it the “among the best” rating of five power circles.
Claims Satisfaction: For the JD Power 2013 US Property Claims Customer Satisfaction Study, USAA received the top rating of 5 power circles (among the best), and it scored 904 points on the 1,000 point scale, which is 72 points (7.2%) above the study average of 832 points. In 2012, USAA scored 895 out of 1,000 points (the average company score was 833 points), also earning it the “among the best” rating of five power circles.
NJ subsidiary companies: (membership group for military personnel) USAA Casualty Insurance Company, United Services Auto Association.
2. Amica Insurance
Customer Satisfaction: For the JD Power 2012 US Home Insurance Customer Satisfaction Study, Amica received the highest rating of 5 power circles (among the best), scoring 859 points on the 1,000 point scale, which is 74 points (7.4%) above the 2012 survey average of 785 points. In 2011, Amica scored 831 out of 1,000 points (the study average was 769 points), also earning it the “among the best” rating of five power circles.
Claims Satisfaction: For the JD Power 2013 US Property Claims Customer Satisfaction Study, Amica received the top rating of 5 power circles (among the best), and it scored 907 points on the 1,000 point scale, which is 75 points (7.5%) above the study average of 832 points. In 2012, Amica scored 894 out of 1,000 points (the average company score was 833 points), also earning it the “among the best” rating of five power circles.
NJ subsidiary companies: Amica Mutual Insurance Company.
3. CHUBB Insurance
Customer Satisfaction: For the JD Power 2012 US Home Insurance Customer Satisfaction Study, Chubb received the rating of 4 power circles (better than most), scoring 796 points on the 1,000 point scale, which is 11 points (1.1%) above the 2012 survey average of 785 points. In 2011, Chubb scored 761 out of 1,000 points (the study average was 769 points), earning it the “about average” rating of three power circles.
Claims Satisfaction: For the JD Power 2013 US Property Claims Customer Satisfaction Study, Chubb received the top rating of 5 power circles (among the best), and it scored 902 points on the 1,000 point scale, which is 70 points (7%) above the study average of 832 points. In 2012, Chubb scored 859 out of 1,000 points (the average company score was 833 points), earning it the “better than most” rating of four power circles.
NJ subsidiary companies: Chubb Insurance Company of NJ, Federal Insurance Company, Great Northern Insurance Co., Pacific Indemnity Company, Vigilant Insurance Company.
4. State Farm Insurance
Customer Satisfaction: For the JD Power 2012 US Home Insurance Customer Satisfaction Study, State Farm received the rating of four power circles (better than most), scoring 805 points on the 1,000 point scale, which is 20 points (2%) above the 2012 survey average of 785 points. In 2011, State Farm scored 788 out of 1,000 points (the study average was 769 points), also earning it the “better than most” rating of four power circles.
Claims Satisfaction: For the JD Power 2013 US Property Claims Customer Satisfaction Study, State Farm received the rating of three power circles (about average), and it scored 832 points on the 1,000 point scale, which is the same score as the study average of 832 points. In 2012, State Farm scored 846 out of 1,000 points (the average company score was 833 points), earning it the “better than most” rating of four power circles.
NJ subsidiary companies: State Farm Fire & Casualty Company.
5. Encompass Insurance
Customer Satisfaction: For the JD Power 2012 US Home Insurance Customer Satisfaction Study, Encompass received the rating of 3 power circles (about average), scoring 788 points on the 1,000 point scale, which is only 3 points above the 2012 survey average of 785 points. In 2011, Encompass scored 751 out of 1,000 points (the study average was 769 points), also earning it the “about average” rating of three power circles.
Claims Satisfaction: For the JD Power 2013 US Property Claims Customer Satisfaction Study, Encompass received the top rating of four power circles (better than most), and it scored 867 points on the 1,000 point scale, which is 35 points (3.5%) above the study average of 832 points. In 2012, Encompass was not included in the survey.
NJ subsidiary companies: Encompass Insurance Company of NJ (not writing new business), Encompass Property and Casualty Insurance Company of New Jersey.
6. Hartford Insurance
Customer Satisfaction: For the JD Power 2012 US Home Insurance Customer Satisfaction Study, Hartford received the rating of three power circles (about average), scoring 787 points on the 1,000 point scale, which is 2 points above the 2012 survey average of 785 points. In 2011, Hartford scored 763 out of 1,000 points (the study average was 769 points), earning it the “about average” rating of three power circles.
Claims Satisfaction: For the JD Power 2013 US Property Claims Customer Satisfaction Study, Hartford received the rating of four power circles (better than most), and it scored 858 points on the 1,000 point scale, which is 26 points (2.6%) above the study average of 832 points. In 2012, Hartford scored 841 out of 1,000 points (the average company score was 833 points), earning it the “about average” rating of three power circles.
NJ subsidiary companies: Hartford Underwriters Insurance Company (membership company for AARP, not writing new business), Property Casualty Insurance Company of Hartford (membership company for AARP, not writing new business), Trumbull Insurance Company (membership company for AARP), Hartford Fire Insurance Company.
7. Allstate Insurance
Customer Satisfaction: For the JD Power 2012 US Home Insurance Customer Satisfaction Study, Allstate received the rating of three power circles (about average), scoring 782 points on the 1,000 point scale, which is 3 points below the 2012 survey average of 785 points. In 2011, Allstate scored 760 out of 1,000 points (the study average was 769 points), earning it the “about average” rating of three power circles.
Claims Satisfaction: For the JD Power 2013 US Property Claims Customer Satisfaction Study, Allstate received the rating of three power circles (about average), and it scored 838 points on the 1,000 point scale, which is 6 points above the study average of 832 points. In 2012, Allstate scored 829 out of 1,000 points (the average company score was 833 points), earning it the “about average” rating of three power circles.
NJ subsidiary companies: Allstate NJ Insurance Company (not writing new business).
8. Metlife Insurance
Customer Satisfaction: For the JD Power 2012 US Home Insurance Customer Satisfaction Study, Metlife received the lowest rating of two power circles (the rest), scoring 762 points on the 1,000 point scale, which is 23 points (2.3%) below the 2012 survey average of 785 points. In 2011, Metlife scored 742 out of 1,000 points (the study average was 769 points), also earning it the lowest rating of two power circles.
Claims Satisfaction: For the JD Power 2013 US Property Claims Customer Satisfaction Study, Metlife received the rating of four power circles (better than most), and it scored 853 points on the 1,000 point scale, which is 21 points (2.1%) above the study average of 832 points. In 2012, Hartford scored 823 out of 1,000 points (the average company score was 833 points), earning it the “about average” rating of three power circles.
NJ subsidiary companies: Metropolitan Group P&C Insurance Co., Metropolitan P&C Insurance Co.
9. Liberty Mutual Insurance
Customer Satisfaction: For the JD Power 2012 US Home Insurance Customer Satisfaction Study, Liberty Mutual received the lowest rating of two power circles (the rest), scoring 763 points on the 1,000 point scale, which is 22 points (2.2%) below the 2012 survey average of 785 points. In 2011, Liberty Mutual scored 775 out of 1,000 points (the study average was 769 points), earning it the “about average” rating of three power circles.
Claims Satisfaction: For the JD Power 2013 US Property Claims Customer Satisfaction Study, Liberty Mutual received the rating of three power circles (about average), and it scored 839 points on the 1,000 point scale, which is 7 points above the study average of 832 points. In 2012, Liberty Mutual scored 824 out of 1,000 points (the average company score was 833 points), earning it the “about average” rating of three power circles.
NJ subsidiary companies: Liberty Mutual Fire Insurance Company (not writing new business), Liberty Mutual Mid-Atlantic Insurance Co., LM Insurance Corporation.
10. Travelers Insurance
Customer Satisfaction: For the JD Power 2012 US Home Insurance Customer Satisfaction Study, Travelers received the lowest rating of two power circles (the rest), scoring 752 points on the 1,000 point scale, which is 33 points (3.3%) below the 2012 survey average of 785 points. In 2011, Liberty Mutual scored 732 out of 1,000 points (the study average was 769 points), also earning it the lowest rating of two power circles.
Claims Satisfaction: For the JD Power 2013 US Property Claims Customer Satisfaction Study, Travelers received the rating of three power circles (about average), and it scored 834 points on the 1,000 point scale, which is 2 points above the study average of 832 points. In 2012, Liberty Mutual scored 835 out of 1,000 points (the average company score was 833 points), earning it the “about average” rating of three power circles.
NJ subsidiary companies: Fidelity & Guaranty Insurance Underwriters, Inc.
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