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The "Farmers Insurance News-Alert" website is dedicated to providing the consumer and general public with detailed information concerning the Farmers Insurance Group. This includes fraud reports, consumer complaints, lawsuit's and other legal actions taken against this company. All information contained herein is for educational purposes only. Original sources, when known are sited.

 

Home insurance complaints in California, 1998

The California Department of Insurance ranks the insurance companies based on the number of "justified complaints" the department received compared to each company's total number of policies. The department looked only at complaints received from Jan. 1 to June 30, 1998. The complaint Ratio is based on the number of Justified Complaints to 100,000 policies.

The California Department of Insurance considers a complaint to be justified when, after investigation, an insurance company is found to be at fault. On the other hand, when the department receives a complaint but finds the insurance company did nothing wrong, the complaint is "unjustified" and not counted. If the department is unable to determine the facts of a particular complaint, it labels it as a "question of fact" complaint.

Homeowners insurance complaint ratios
Jan. 1 to June 30, 1998

1998 Rank Company Name Approximate Policy Count Justified Complaint Ratio Number of Justified Complaints Number of Unjustified Complaints Number of Question of Fact Complaints Percentage of Total Complaints Found to be Justified
1 USAA 171,212 0.0 0 8 3 0.0%
2 USAA Casualty 82,498 0.0 0 1 0 0.0%
3 Associated Indemnity Corp. 66,756 0.0 0 1 1 0.0%
4 Foremost 53,874 0.0 0 7 3 0.0%
5 TIG 51,744 0.0 0 9 3 0.0%
6 California Casualty 48,224 0.0 0 9 4 0.0%
7 Residence Mutual 32,399 0.0 0 6 2 0.0%
8 Western Mutual 30,458 0.0 0 8 4 0.0%
9 Standard Fire 30,128 0.0 0 0 1 0.0%
10 Neighborhood Spirit Property and Casualty 29,857 0.0 0 2 1 0.0%
11 Unigard Indemnity 27,368 0.0 0 1 1 0.0%
12 American Modern Home 27,338 0.0 0 3 0 0.0%
13 Oregon Mutual 26,096 0.0 0 1 3 0.0%
14 American Economy 22,861 0.0 0 1 1 0.0%
15 Nationwide Mutual Fire 19,977 0.0 0 1 0 0.0%
16 Pennsylvania General 17,907 0.0 0 1 0 0.0%
17 American Federation 17,309 0.0 0 5 0 0.0%
18 Allegiance 16,814 0.0 0 0 0 0.0%
19 Grange Insurance Association 16,753 0.0 0 0 0 0.0%
20 Michigan Millers Mutual 16,561 0.0 0 2 1 0.0%
21 State Farm General 1,311,558 0.4 5 24 8 13.5%
22 CSAA 253,994 0.4 1 17 5 4.3%
23 Safeco 228,747 0.9 2 15 10 7.4%
24 Allstate 1,077,353 1.1 12 78 53 8.4%
25 Civil Service Employees 75,974 1.3 1 8 5 7.1%
26 AMCO 75,230 1.3 1 5 3 11.1%
27 Prudential Property and Casualty 71,985 1.4 1 15 7 4.3%
28 Commercial Union 71,698 1.4 1 12 5 5.6%
29 Century-National 190,800 1.6 3 20 14 8.1%
30 Fireman's Fund 60,577 1.7 1 8 4 7.7%
31 Interinsurance Exchange of the Automobile Club (AAA) 170,556 1.8 3 6 8 17.6%
32 Allied Property and Casualty 52,078 1.9 1 4 1 16.7%
33 Fire Insurance Exchange 1,328,625 2.6 35 85 62 19.2%
34 American Bankers of Florida 30,355 3.3 1 3 1 20.0%
35 Liberty Mutual Fire 55,820 3.6 2 1 3 33.3%
36 Hartford Underwriters 52,783 3.8 2 5 1 25.0%
37 California Capital 78,110 3.8 3 4 0 42.9%
38 CNA Casualty of Casualty 26,000 3.8 1 4 2 14.3%
39 Travelers Property Casualty 37,500 5.3 2 1 3 33.3%
40 Golden Eagle Insurance Corporation 18,637 5.4 1 3 0 25.0%
41 Western Home 18,414 5.4 1 3 2 16.7%
42 Five Star 17,574 5.7 1 8 3 8.3%
43 Mercury Casualty 16,898 5.9 1 5 0 16.7%
44 American Manufacturers Mutual 31,514 6.3 2 1 1 50.0%
45 Twentieth Century 57,520 7.0 4 15 18 10.8%
46 Clarendon National 24,833 8.1 2 16 4 9.1%
47 Calfarm 32,880 9.1 3 11 3 17.6%
48 Farmers Insurance Exchange 185,781 10.2 19 40 23 23.2%
49 State Farm Fire and Casualty 60,528 14.9 9 48 42 9.1%
50 Pacific Specialty 36,468 16.5 6 33 16 10.9%

Source: California Department of Insurance.
Last updated Dec. 24, 1998

 

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