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 per 100,000 policies.
Smaller ratio numbers are better.
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.
Rank |
Company |
Above/ Average/ Below |
Number of policies |
Complaint ratio |
Number of justified complaints |
1 |
American Economy |
Above |
23,461 |
0.00 |
0 |
1 |
Amica Mutual |
Above |
11,618 |
0.00 |
0 |
1 |
Associated Indemnity |
Above |
65,204 |
0.00 |
0 |
1 |
CNA Casualty of California |
Above |
26,782 |
0.00 |
0 |
1 |
Federal Insurance Co. |
Above |
11,864 |
0.00 |
0 |
1 |
Residence Mutual |
Above |
33,808 |
0.00 |
0 |
1 |
TIG Insurance Co. |
Above |
48,748 |
0.00 |
0 |
1 |
Tokio Marine & Fire Insurance Co. |
Above |
13,322 |
0.00 |
0 |
1 |
Unigard Indemnity |
Above |
23,787 |
0.00 |
0 |
1 |
USAA Casualty |
Above |
84,904 |
0.00 |
0 |
11 |
United Services Automobile Association |
Above |
173,031 |
0.58 |
1 |
12 |
State Farm General |
Above |
1,406,793 |
0.64 |
9 |
13 |
Safeco of America |
Above |
232,231 |
1.29 |
3 |
14 |
California State Automobile Association |
Above |
258,985 |
1.54 |
4 |
15 |
Firemans Fund |
Above |
59,660 |
1.68 |
1 |
16 |
Allied Property and Casualty |
Above |
52,768 |
1.90 |
1 |
17 |
Allstate Insurance Co. |
Above |
1,456,800 |
1.99 |
29 |
18 |
Clarendon National |
Above |
48,608 |
2.06 |
1 |
19 |
California Casualty |
Above |
46,421 |
2.15 |
1 |
20 |
AMCO |
Above |
78,426 |
2.55 |
2 |
21 |
Inter-Insurance Exchange of the Automobile Club |
Above |
182,139 |
2.75 |
5 |
22 |
Civil Service Employees |
Above |
70,311 |
2.84 |
2 |
23 |
Century-National |
Below |
148,300 |
3.37 |
5 |
24 |
Prudential Property and Casualty |
Below |
88,056 |
3.41 |
3 |
24 |
Western Mutual |
Below |
29,312 |
3.41 |
1 |
26 |
Commercial Union |
Below |
77,050 |
3.89 |
3 |
27 |
State Farm Fire and Casualty |
Below |
275,618 |
5.08 |
14 |
28 |
California Capital |
Below |
78,125 |
5.12 |
4 |
29 |
Mercury Casualty |
Below |
18,724 |
5.34 |
1 |
30 |
Hartford Underwriters |
Below |
54,523 |
5.50 |
3 |
31 |
Liberty Mutual Fire |
Below |
54,136 |
5.54 |
3 |
32 |
Standard Fire |
Below |
34,695 |
5.76 |
2 |
33 |
Calfarm |
Below |
32,257 |
6.20 |
2 |
34 |
Fire Insurance Exchange |
Below |
1,201,775 |
6.24 |
75 |
35 |
Western Home |
Below |
15,743 |
6.35 |
1 |
36 |
Allegiance |
Below |
15,378 |
6.50 |
1 |
37 |
Pennsylvania General |
Below |
15,043 |
6.65 |
1 |
38 |
Twentieth Century |
Below |
56,583 |
7.07 |
4 |
39 |
Oregon Mutual |
Below |
25,569 |
7.82 |
2 |
40 |
Northland |
Below |
25,533 |
7.83 |
2 |
41 |
Travelers Property Casualty |
Below |
59,882 |
8.35 |
5 |
42 |
Farmers Insurance Exchange |
Below |
238,474 |
8.39 |
20 |
43 |
Allstate Indemnity Co. |
Below |
11,251 |
8.89 |
1 |
44 |
American Manufacturers Mutual |
Below |
33,318 |
9.00 |
3 |
45 |
Insurance Co. of North America |
Below |
10,913 |
9.16 |
1 |
46 |
Golden Eagle Insurance Corp. |
Below |
59,842 |
10.03 |
6 |
47 |
American Modern Home |
Below |
24,445 |
12.27 |
3 |
48 |
American Bankers of Florida |
Below |
12,707 |
15.74 |
2 |
49 |
National General |
Below |
11,814 |
25.39 |
3 |
50 |
Pacific Specialty |
Below |
28,988 |
31.05 |
9 |
Source: California Department of Insurance. |