This Fireman’s Fund Insurance review will evaluate, for the most recent six year period where complaint statistics are available (2009, 2010, 2011, 2012, 2013 & 2014), the home & auto insurance complaint ratings for the subsidiary companies of Fireman’s Fund insurance group, to determine whether each subsidiary, such as American Automobile Insurance Company or American Insurance Company, has a better-than-average, average, or worse-than-average customer complaint record. I’ll also compare the auto & home insurance complaint records for the Fireman’s Fund subsidiary companies, with major competitors, like Allstate, Progressive, GEICO, State Farm, & Farmers. Fireman’s Fund is a major insurer of high value & luxury homes.
Fireman’s Fund Auto & Homeowners Insurance Review
Fireman’s Fund sells auto & home insurance through independent insurance agencies located nationwide. If you are insured with a Fireman’s Fund subsidiary, or an independent insurance agent has recommended a Fireman’s Fund subsidiary to you, the complaint ratings in this review will be useful to you. However, if you are the average auto or home insurance customer, looking for a good or better insurance company, you probably can skip the Fireman’s Fund companies.
Fireman’s Fund, owned by the international insurance conglomerate, Allianz, is not a big player in the United States when it comes to auto & home insurance. Even Fireman’s Fund largest subsidiary, Fireman’s Fund Insurance Company, has a small share of the US auto and home insurance market compared to its competitors, and most of its other subsidiaries are extremely small. With the exception of National Surety Corporation, all the subsidiaries have lost home and auto insurance market share since 2010.
Fireman’s Fund largest line of personal insurance is homeowners insurance. If you are a high net worth individual, with a high value home, Fireman’s Fund may be a good choice for you. (Chubb, ACE, & AIG / Chartis, and Pure are companies also specializing in the needs of high value homeowners). Although the largest Fireman’s Fund home insurance subsidiaries have excellent complaint statistics, it may be these companies do not have competitive rates, as evidenced by their shrinking market share.
Updating this review for 2015, the auto, homeowners, and other personal insurance policies of Fireman’s Fund are in the process of being sold to a company called ACE, and barring regulatory disapproval, Fireman’s Fund customers will see their policies non-renew on their expiration date, most likely starting sometime in late 2015. Fireman’s Fund customers will receive an offer to insure with a subsidiary of the ACE Group, to replace their Fireman’s Fund policy.
If you have a high value home (worth one million dollars or more) or other high value property, you should consider a specialty insurer to properly cover your insurance needs, but I would not choose Fireman’s Fund due to the pending sale, if Fireman’s Fund is still selling new policies and agents are recommending it.
If you are insured with Fireman’s Fund now, you may want to consider other companies before your Fireman’s Fund policy expires. Yesterday, I wrote a new review of the auto & homeowners insurance customer complaint record for the ACE Group companies, like Bankers Standard Insurance Company, ACE Insurance Company of the Midwest, or Atlantic Employers Insurance Company, which may help you decide if you want to accept the ACE offer when your Fireman’s Fund policy expires. You can compare ACE with the complaint information I show below for Fireman’s Fund, to see if ACE has a better or worse complaint record.
When shopping for auto & home insurance, you want to include independent insurance agents representing the major companies selling through independent agents, like Travelers, Safeco, MetLife, etc. If you have a high value home or property, like a yacht, you want to include shopping with at least one independent insurance agent representing companies like Chubb, ACE, & AIG / Chartis, Pure, and other companies with insurance policies designed for the personal insurance needs of higher net worth individuals and families.
This Fireman’s Fund insurance companies review is divided into three sections, consisting of its: 1. auto insurance customer complaint ratings, 2. home insurance customer complaint ratings, and 3. and information about competing auto & home insurance companies, and how their complaint records compare to the Fireman’s Fund companies.
1. Fireman’s Fund Auto Insurance Complaint Statistics & Ratings
The most common reasons, for people to file auto & home insurance complaints with a state insurance department against insurance companies, are for delays in a claim payment, unsatisfactory payment of a claim, and denial of a claim. The complaint statistics used in this Fireman’s Fund insurance companies review are the number of upheld complaints filed against the Fireman’s Fund companies with a state’s insurance regulatory authority, adjusted for each subsidiary company’s market share, as determined by the National Association of Insurance Commissioners.
Fireman’s Fund has seven subsidiary companies licensed to insure private passenger vehicles in the states where the company sells auto insurance. The use of more than one auto or home insurance subsidiary company is usually to offer different pricing to specific risk profiles (for example, drivers with a clean driving record vs. drivers with tickets and accidents), operate in a certain US state or group of states, or offer different types of insurance products, such as a specific homeowners insurance product, or motorcycle insurance.
Fireman’s Fund Insurance Company of Hawaii Inc. had no auto insurance policies in force for 2013, and Fireman’s Fund Insurance Company of Ohio also had no auto insurance policies in force for 2013, so they are not included in this auto insurance complaints analysis. Fireman’s Fund Insurance Company of Louisiana, which I used to have listed as a subsidiary on my website, no longer seems to exist.
Here’s how I establish my auto insurance complaint ratings:
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.
B = Better than Average C = Average W = Worse than Average
2014 Auto Insurance Complaint Ratio = B (.56)
2014 US auto insurance premium = $79,064,542
2013 Auto Insurance Complaint Ratio = C (.83)
2013 US auto insurance premium = $78,793,646
2012 Auto Insurance Complaint Ratio = C (1.02)
2012 US auto insurance premium = $80,379,591
2011 Auto Insurance Complaint Ratio = B (.53)
2011 US auto insurance premium = $81,202,549
2010 Auto Insurance Complaint Ratio = B (.63)
2010 US auto insurance premium = $93,518,277
2009 Auto Insurance Complaint Ratio = C (1.00)
B = Better than Average C = Average W = Worse than Average
2014 Auto Insurance Complaint Ratio = B (.68)
2014 US auto insurance premium = $32,848,301
2013 Auto Insurance Complaint Ratio = B (.34)
2013 US auto insurance premium = $31,453,927
2012 Auto Insurance Complaint Ratio = B (0) (No complaints)
2012 US auto insurance premium = $29,948,266
2011 Auto Insurance Complaint Ratio = B (0) (No complaints)
2011 US auto insurance premium = $29,189,218
2010 Auto Insurance Complaint Ratio = B (.51)
2010 US auto insurance premium = $32,899,102
2009 Auto Insurance Complaint Ratio = B (.61)
B = Better than Average C = Average W = Worse than Average
2014 Auto Insurance Complaint Ratio = B (0) (No complaints)
2014 US auto insurance premium = $4,271,560
2013 Auto Insurance Complaint Ratio = B (0) (No complaints)
2013 US auto insurance premium = $4,567,148
2012 Auto Insurance Complaint Ratio = B (0) (No complaints)
2012 US auto insurance premium = $3,667,955
2011 Auto Insurance Complaint Ratio = W (2.20)
2011 US auto insurance premium = $3,901,795
2010 Auto Insurance Complaint Ratio = W (1.73)
2010 US auto insurance premium = $4,894,946
2009 Auto Insurance Complaint Ratio = W (1.59)
B = Better than Average C = Average W = Worse than Average
2014 Auto Insurance Complaint Ratio = B (0) (No complaints)
2014 US auto insurance premium = $4,519,204
2013 Auto Insurance Complaint Ratio = B (0) (No complaints)
2013 US auto insurance premium = $5,497,625
2012 Auto Insurance Complaint Ratio = B (0) (No complaints)
2012 US auto insurance premium = $5,655,500
2011 Auto Insurance Complaint Ratio = B (0) (No complaints)
2011 US auto insurance premium = $6,059,539
2010 Auto Insurance Complaint Ratio = C (1.07)
2010 US auto insurance premium = $7,928,280
2009 Auto Insurance Complaint Ratio = B (0) (No complaints)
Fireman’s Fund Indemnity Corporation is available in the state of New Jersey only.
B = Better than Average C = Average W = Worse than Average
2014 Auto Insurance Complaint Ratio = B (0) (No complaints)
2014 US auto insurance premium = $6,538,634
2013 Auto Insurance Complaint Ratio = B (0) (No complaints)
2013 US auto insurance premium = $6,850,245
2012 Auto Insurance Complaint Ratio = B (0) (No complaints)
2012 US auto insurance premium = $7,445,864
2011 Auto Insurance Complaint Ratio = B (0) (No complaints)
2011 US auto insurance premium = $8,019,831
2010 Auto Insurance Complaint Ratio = C (.87)
2010 US auto insurance premium = $9,745,030
2009 Auto Insurance Complaint Ratio = B (.55)
B = Better than Average C = Average W = Worse than Average
2014 Auto Insurance Complaint Ratio = C (.84)
2014 US auto insurance premium = $13,236,804
2013 Auto Insurance Complaint Ratio = C (.92)
2013 US auto insurance premium = $11,826,779
2012 Auto Insurance Complaint Ratio = B (0) (No complaints)
2012 US auto insurance premium = $10,703,208
2011 Auto Insurance Complaint Ratio = C (.89)
2011 US auto insurance premium = $9,593,329
2010 Auto Insurance Complaint Ratio = B (0) (No complaints)
2010 US auto insurance premium = $8,562,796
2009 Auto Insurance Complaint Ratio = B (0) (No complaints)
B = Better than Average C = Average W = Worse than Average
2013 Auto Insurance Complaint Ratio = No data
2013 US auto insurance premium = No data
2012 Auto Insurance Complaint Ratio = B (0) (No complaints)
2012 US auto insurance premium = $1,042,157
2011 Auto Insurance Complaint Ratio = B (0) (No complaints)
2011 US auto insurance premium = $1,294,657
2010 Auto Insurance Complaint Ratio = B (0) (No complaints)
2010 US auto insurance premium = $1,611,348
2009 Auto Insurance Complaint Ratio = B (0) (No complaints)
This subsidiary was sold to GEICO in 2014, is now known as GEICO County Mutual Insurance Company, and is no longer a part of Fireman’s Fund. Fireman’s Fund County Mutual Insurance Company was available in the state of Texas only.
2. Fireman’s Fund Home Insurance Complaint Statistics & Ratings
Fireman’s Fund sells home insurance through the seven subsidiary companies listed below.
Fireman’s Fund Insurance Company of Hawaii Inc. had no home insurance policies in force for 2013, so it is not included in this home insurance complaints analysis. Fireman’s Fund Insurance Company of Louisiana and American Standard Lloyds Insurance Company, which I used to have listed as subsidiaries on my website, no longer seem to exist.
Here’s how I establish my homeowners insurance complaint ratings:
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.
B = Better than Average C = Average W = Worse than Average
2014 Home Insurance Complaint Ratio = B (.14)
2014 US home insurance premium = $212,774,618
2013 Home Insurance Complaint Ratio = B (.41)
2013 US home insurance premium = $215,610,223
2012 Home Insurance Complaint Ratio = B (.15)
2012 US home insurance premium = $222,025,551
2011 Home Insurance Complaint Ratio = B (.51)
2011 US home insurance premium = $237,358,654
2010 Home Insurance Complaint Ratio = B (.27)
2010 US home insurance premium = $267,381,704
2009 Home Insurance Complaint Ratio = B (.30)
B = Better than Average C = Average W = Worse than Average
2014 Home Insurance Complaint Ratio = B (.25)
2014 US home insurance premium = $79,403,979
2013 Home Insurance Complaint Ratio = B (.14)
2013 US home insurance premium = $78,934,404
2012 Home Insurance Complaint Ratio = B (.21)
2012 US home insurance premium = $77,826,125
2011 Home Insurance Complaint Ratio = B (.10)
2011 US home insurance premium = $81,698,528
2010 Home Insurance Complaint Ratio = B (.10)
2010 US home insurance premium = $92,793,982
2009 Home Insurance Complaint Ratio = B (.27)
B = Better than Average C = Average W = Worse than Average
2014 Home Insurance Complaint Ratio = B (.23)
2014 US home insurance premium = $85,052,004
2013 Home Insurance Complaint Ratio = B (.25)
2013 US home insurance premium = $88,726,808
2012 Home Insurance Complaint Ratio = B (.09)
2012 US home insurance premium = $94,826,057
2011 Home Insurance Complaint Ratio = C (.79)
2011 US home insurance premium = $92,272,916
2010 Home Insurance Complaint Ratio = B (.25)
2010 US home insurance premium = $107,369,806
2009 Home Insurance Complaint Ratio = B (.21)
B = Better than Average C = Average W = Worse than Average
2014 Home Insurance Complaint Ratio = B (0) (No complaints)
2014 US home insurance premium = $2,414,860
2013 Home Insurance Complaint Ratio = B (0) (No complaints)
2013 US home insurance premium = $2,824,974
2012 Home Insurance Complaint Ratio = B (0) (No complaints)
2012 US home insurance premium = $3,045,815
2011 Home Insurance Complaint Ratio = B (0) (No complaints)
2011 US home insurance premium = $3,521,732
2010 Home Insurance Complaint Ratio = B (0) (No complaints)
2010 US home insurance premium = $4,407,021
2009 Home Insurance Complaint Ratio = B (0) (No complaints)
Fireman’s Fund Indemnity Corporation is available in the state of New Jersey only.
B = Better than Average C = Average W = Worse than Average
2014 Home Insurance Complaint Ratio = B (.25)
2014 US home insurance premium = $39,580,386
2013 Home Insurance Complaint Ratio = B (.28)
2013 US home insurance premium = $39,129,221
2012 Home Insurance Complaint Ratio = B (.42)
2012 US home insurance premium = $38,459,096
2011 Home Insurance Complaint Ratio = B (.20)
2011 US home insurance premium = $40,005,585
2010 Home Insurance Complaint Ratio = B (.42)
2010 US home insurance premium = $43,670,833
2009 Home Insurance Complaint Ratio = B (.38)
B = Better than Average C = Average W = Worse than Average
2014 Home Insurance Complaint Ratio = B (.11)
2014 US home insurance premium = $86,756,691
2013 Home Insurance Complaint Ratio = B (.29)
2013 US home insurance premium = $76,249,622
2012 Home Insurance Complaint Ratio = B (0) (No complaints)
2012 US home insurance premium = $70,780,661
2011 Home Insurance Complaint Ratio = B (.23)
2011 US home insurance premium = $69,542,346
2010 Home Insurance Complaint Ratio = B (.38)
2010 US home insurance premium = $71,470,090
2009 Home Insurance Complaint Ratio = B (.13)
B = Better than Average C = Average W = Worse than Average
2014 Home Insurance Complaint Ratio = No homeowners insurance policies in force
2014 US home insurance premium = $0
2013 Home Insurance Complaint Ratio = W (1,800.54)
2013 US home insurance premium = $6,132
2012 Home Insurance Complaint Ratio = B (0) (No complaints)
2012 US home insurance premium = $5,053,627
2011 Home Insurance Complaint Ratio = B (0) (No complaints)
2011 US home insurance premium = $6,045,261
2010 Home Insurance Complaint Ratio = W (1.45)
2010 US home insurance premium = $6,259,420
2009 Home Insurance Complaint Ratio = B (0) (No complaints)
Fireman’s Fund Insurance Company of Ohio had a small amount of US home insurance market share since 2010, but in 2013, this subsidiary had virtually no home insurance customers, so the one home insurance complaint it received in 2013 resulted in a huge complaint ratio number. This subsidiary exited the home insurance market by 2014.
3. Fireman’s Fund Auto & Home Insurance Complaint Ratings Compared to Major Competitors
Allstate Insurance
Auto insurance complaint record:Most of the Allstate subsidiaries have a history of better annual auto insurance complaint ratios than the Fireman’s Fund companies.
Home insurance complaint record: Most of the Allstate subsidiaries have a history of worse annual home insurance complaint ratios than the Fireman’s Fund companies.
You can check Allstate’s complaint statistics in my Allstate Insurance complaints & ratings review here.
State Farm Insurance
Auto insurance complaint record: Most of the State Farm subsidiaries have a history of better annual auto insurance complaint ratios than the Fireman’s Fund companies.
Home insurance complaint record: The State Farm subsidiaries have a history of about the same annual home insurance complaint ratios as most of the Fireman’s Fund companies.
You can check the State Farm complaint statistics in my State Farm Insurance complaints & ratings review here.
Farmers Insurance
Auto insurance complaint record: Most of the many Farmers Insurance Group companies have a history of about the same or worse annual auto insurance complaint ratios than the Fireman’s Fund companies.
Home insurance complaint record: Most of the Farmers Insurance Group companies have a history of worse annual home insurance complaint ratios than the Fireman’s Fund companies.
You can check the Farmers complaint statistics in my Farmers Insurance complaints & ratings review here.
GEICO Insurance
Auto insurance complaint record: The GEICO companies, except GEICO Casualty Company, have a history of better annual auto insurance complaint ratios than the Fireman’s Fund companies.
You can check the GEICO complaint statistics in my GEICO Insurance complaints & ratings review here.
Progressive Insurance
Auto insurance complaint record: Most of the many Progressive Insurance Group companies have a history of better annual auto insurance complaint ratios than the Fireman’s Fund companies.
You can check the Progressive complaint statistics in my Progressive Insurance complaints & ratings review here.
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