Texas Department of Insurance

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2010 Homeowners Complaint Index

Please note that when a carrier has a small number of policies in force, the complaint ratio will be large. For example, if a company has a few hundred policies in force, then one complaint may result in a complaint ratio of more than 100. A company may have a small number of policies because it is new to the market, leaving the market, or writes only a specialized segment of the market such as high-risk policies.

How each company┬┤s consumer complaints compare to the average, with an index of 1.00 as average. Below 1.00 means fewer complaints than average and above 1.00 means more complaints than average.

2010 Homeowners Complaint Index
Company Name Total Number of Justified Complaints for 2010 Total Number of Homeowners Policies for 2010 Complaint Index
21ST CENTURY ADVANTAGE INSURANCE COMPANY 1 3 3948.08
ACCEPTANCE CASUALTY INSURANCE COMPANY 0 6963 0.00
ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY 0 6285 0.00
ALLSTATE COUNTY MUTUAL INSURANCE COMPANY 1 9 1316.03
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY 16 177942 1.06
ALLSTATE INDEMNITY COMPANY 5 27254 2.17
ALLSTATE INSURANCE COMPANY 7 109520 0.76
ALLSTATE TEXAS LLOYD'S 41 435813 1.11
AMERICA FIRST INSURANCE COMPANY 1 4918 2.41
AMERICA FIRST LLOYD'S INSURANCE COMPANY 0 1864 0.00
AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA 3 2657 13.37
AMERICAN ECONOMY INSURANCE COMPANY 0 82 0.00
AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS 2 7738 3.06
AMERICAN INSURANCE COMPANY, THE 0 800 0.00
AMERICAN MODERN HOME INSURANCE COMPANY 2 56771 0.42
AMERICAN NATIONAL LLOYDS INSURANCE COMPANY 1 20811 0.57
AMERICAN NATIONAL PROPERTY AND CASUALTY COMPANY 0 332 0.00
AMERICAN RELIABLE INSURANCE COMPANY 2 4855 4.88
AMERICAN RISK INSURANCE COMPANY, INC. 4 13759 3.44
AMERICAN SECURITY INSURANCE COMPANY 1 2081 5.69
AMERICAN STANDARD LLOYD'S INSURANCE COMPANY 0 8069 0.00
AMERICAN STATES INSURANCE COMPANY 0 1135 0.00
AMERICAN STATES INSURANCE COMPANY OF TEXAS 0 218 0.00
AMERICAN STATES LLOYDS INSURANCE COMPANY 0 459 0.00
AMERICAN SUMMIT INSURANCE COMPANY 0 235 0.00
AMICA LLOYD'S OF TEXAS 4 45355 1.04
ARCH INSURANCE COMPANY 0 18 0.00
ARMED FORCES INSURANCE EXCHANGE 0 3667 0.00
ASI LLOYDS 6 119305 0.60
AUSTIN COUNTY FARMERS MUTUAL FIRE INSURANCE ASSOCIATION, INCORPORATED 0 4668 0.00
AUTO CLUB INDEMNITY COMPANY 1 53740 0.22
AXIS INSURANCE COMPANY 0 4 0.00
BALBOA INSURANCE COMPANY 10 30132 3.93
BEACON LLOYDS INSURANCE COMPANY 1 9029 1.31
BITUMINOUS CASUALTY CORPORATION 0 51 0.00
CAPITOL COUNTY MUTUAL FIRE INSURANCE COMPANY 11 33595 3.88
CASTLEPOINT NATIONAL INSURANCE COMPANY 0 2 0.00
CENTRAL MUTUAL INSURANCE COMPANY 1 25408 0.47
CHARTIS PROPERTY CASUALTY COMPANY 1 4919 2.41
CHUBB LLOYDS INSURANCE COMPANY OF TEXAS 0 25775 0.00
CHUBB NATIONAL INSURANCE COMPANY 0 1 0.00
CHURCH MUTUAL INSURANCE COMPANY 0 590 0.00
COLONIAL LLOYDS 2 22738 1.04
COLUMBIA LLOYDS INSURANCE COMPANY 1 43796 0.27
COMPANION PROPERTY AND CASUALTY INSURANCE COMPANY 0 660 0.00
CONSOLIDATED LLOYDS 0 60 0.00
CYPRESS TEXAS LLOYDS 15 36236 4.90
DALLAS NATIONAL INSURANCE COMPANY, A TEXAS STOCK INSURANCE COMPANY 0 48 0.00
DELTA LLOYDS INSURANCE COMPANY OF HOUSTON, TEXAS 0 7837 0.00
ELECTRIC INSURANCE COMPANY 0 713 0.00
ENCOMPASS HOME AND AUTO INSURANCE COMPANY 0 5702 0.00
ENCOMPASS INDEMNITY COMPANY 1 7443 1.59
ENGLE FARMERS MUTUAL BENEFIT ASSOCIATION 0 3550 0.00
FARMERS INSURANCE EXCHANGE 33 178336 2.19
FARMERS MUTUAL AID ASSOCIATION OF WASHINGTON COUNTY, TEXAS 0 1711 0.00
FARMERS MUTUAL FIRE INSURANCE ASSOCIATION OF COMAL COUNTY 0 5175 0.00
FARMERS MUTUAL INSURANCE ASSOCIATION OF BURNET COUNTY 0 264 0.00
FARMERS MUTUAL INSURANCE ASSOCIATION OF ERATH COUNTY 0 772 0.00
FEDERAL INSURANCE COMPANY 0 557 0.00
FIDELITY NATIONAL INDEMNITY INSURANCE COMPANY 1 17618 0.67
FIDELITY NATIONAL PROPERTY AND CASUALTY INSURANCE COMPANY 2 1586 14.94
FINANCIAL CASUALTY & SURETY, INC. 5 14600 4.06
FIRE INSURANCE EXCHANGE 16 228000 0.83
FIREMAN'S FUND INSURANCE COMPANY 0 23 0.00
FIRST AMERICAN PROPERTY & CASUALTY INSURANCE COMPANY 0 6763 0.00
FIRST NATIONAL INSURANCE COMPANY OF AMERICA 0 834 0.00
FOREMOST LLOYDS OF TEXAS 9 109068 0.98
GARFIELD FARM MUTUAL INSURANCE ASSOCIATION 0 4646 0.00
GENERAL INSURANCE COMPANY OF AMERICA 0 86 0.00
GEOVERA INSURANCE COMPANY 4 2415 19.62
GERMAN-AMERICAN FARM MUTUAL 4 13411 3.53
GERMANIA FARM MUTUAL INSURANCE ASSOCIATION 8 218148 0.43
GILLESPIE FARM MUTUAL INSURANCE COMPANY 0 1268 0.00
GREAT AMERICAN ALLIANCE INSURANCE COMPANY 0 46 0.00
GREAT AMERICAN ASSURANCE COMPANY 0 228 0.00
GREAT AMERICAN INSURANCE COMPANY 0 39 0.00
GREAT AMERICAN INSURANCE COMPANY OF NEW YORK 0 550 0.00
HALLMARK COUNTY MUTUAL INSURANCE COMPANY 0 7821 0.00
HARTFORD INSURANCE COMPANY OF THE MIDWEST 1 20 592.21
HARTFORD LLOYD'S INSURANCE COMPANY 3 15393 2.31
HOCHHEIM PRAIRIE FARM MUTUAL INSURANCE ASSOCIATION 5 128222 0.46
HOMEOWNERS OF AMERICA INSURANCE COMPANY 5 43741 1.35
HOMESITE LLOYD'S OF TEXAS 2 23448 1.01
HORACE MANN INSURANCE COMPANY 0 210 0.00
HORACE MANN LLOYDS 1 11828 1.00
IDS PROPERTY CASUALTY INSURANCE COMPANY 0 4991 0.00
IMPERIAL FIRE AND CASUALTY INSURANCE COMPANY 1 7200 1.65
INTERINSURANCE EXCHANGE OF THE AUTOMOBILE CLUB 1 8007 1.48
LIBERTY INSURANCE CORPORATION 1 33327 0.36
LIBERTY LLOYDS OF TEXAS INSURANCE COMPANY 4 50887 0.93
LIBERTY MUTUAL FIRE INSURANCE COMPANY 3 32424 1.10
LOYA INSURANCE COMPANY 1 6565 1.80
MERASTAR INSURANCE COMPANY 0 57 0.00
MERITPLAN INSURANCE COMPANY 3 36011 0.99
METROPOLITAN LLOYDS INSURANCE COMPANY OF TEXAS 7 42961 1.93
MUENSTER FARM MUTUAL FIRE INSURANCE ASSOCIATION, INC. 0 3851 0.00
NATIONAL LLOYDS INSURANCE COMPANY 9 242659 0.44
NATIONAL SPECIALTY INSURANCE COMPANY 6 41011 1.73
NATIONAL SURETY CORPORATION 0 9412 0.00
NATIONAL UNITY INSURANCE COMPANY 0 6 0.00
NATIONWIDE LLOYDS 13 59548 2.59
NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY 18 104426 2.04
NEW CENTURY INSURANCE COMPANY 0 1218 0.00
NOVA CASUALTY COMPANY 0 1 0.00
OCEAN HARBOR CASUALTY INSURANCE COMPANY 0 248 0.00
OLD RELIABLE CASUALTY COMPANY 0 8296 0.00
PACIFIC SPECIALTY INSURANCE COMPANY 1 3335 3.55
PACIFIC SPECIALTY PROPERTY AND CASUALTY COMPANY 2 3955 5.99
PEERLESS INDEMNITY INSURANCE COMPANY 2 9980 2.37
PRIORITY ONE INSURANCE COMPANY 0 5774 0.00
PRIVILEGE UNDERWRITERS RECIPROCAL EXCHANGE 0 219 0.00
PROPERTY AND CASUALTY INSURANCE COMPANY OF HARTFORD 10 43615 2.72
QBE INSURANCE CORPORATION 0 139 0.00
R.V.O.S. FARM MUTUAL INSURANCE COMPANY 2 76309 0.31
REPUBLIC LLOYDS 5 66290 0.89
REPUBLIC UNDERWRITERS INSURANCE COMPANY 0 1151 0.00
SAFECO INSURANCE COMPANY OF INDIANA 8 122121 0.78
SAFECO LLOYDS INSURANCE COMPANY 4 35821 1.32
SAN ANTONIO INDEMNITY COMPANY 2 4055 5.84
SENTINEL INSURANCE COMPANY, LTD. 7 32466 2.55
SENTRY INSURANCE A MUTUAL COMPANY 0 383 0.00
SLAVONIC MUTUAL FIRE INSURANCE ASSOCIATION 0 3340 0.00
SOUTHERN COUNTY MUTUAL INSURANCE COMPANY 0 9 0.00
SOUTHERN INSURANCE COMPANY 1 25488 0.46
SOUTHERN VANGUARD INSURANCE COMPANY 3 55963 0.63
SOUTHLAND LLOYD'S INSURANCE COMPANY 0 550 0.00
STATE AUTO PROPERTY & CASUALTY INSURANCE COMPANY 1 22775 0.52
STATE FARM GENERAL INSURANCE COMPANY 1 12399 0.96
STATE FARM LLOYDS 86 1248079 0.82
STONINGTON LLOYDS INSURANCE COMPANY 1 2143 5.53
TEXAS FAIR PLAN ASSOCIATION 4 85984 0.55
TEXAS FARM BUREAU MUTUAL INSURANCE COMPANY 4 74443 0.64
TEXAS FARM BUREAU UNDERWRITERS 5 109926 0.54
TEXAS FARMERS INSURANCE COMPANY 25 280421 1.06
TEXAS HERITAGE INSURANCE COMPANY 0 6547 0.00
TEXAS WINDSTORM INSURANCE ASSOCIATION 17 228944 0.88
TOWER NATIONAL INSURANCE COMPANY 0 2 0.00
TRAVELERS COMMERCIAL INSURANCE COMPANY 1 4058 2.92
TRAVELERS HOME AND MARINE INSURANCE COMPANY, THE 8 90928 1.04
TRAVELERS LLOYDS OF TEXAS INSURANCE COMPANY 18 148533 1.44
TRAVELERS PERSONAL SECURITY INSURANCE COMPANY 1 1570 7.54
TRINITY UNIVERSAL INSURANCE COMPANY 0 12723 0.00
U S LLOYDS INSURANCE COMPANY 3 13857 2.56
UNION NATIONAL FIRE INSURANCE COMPANY 0 10379 0.00
UNITED CASUALTY INSURANCE COMPANY OF AMERICA 0 8538 0.00
UNITED FIRE LLOYDS 0 2547 0.00
UNITED SERVICES AUTOMOBILE ASSOCIATION 10 248056 0.48
UNITRIN PREFERRED INSURANCE COMPANY 0 3413 0.00
UNITRIN SAFEGUARD INSURANCE COMPANY 1 10186 1.16
UNIVERSAL INSURANCE COMPANY OF NORTH AMERICA 0 7776 0.00
UNIVERSAL NORTH AMERICA INSURANCE COMPANY 0 27968 0.00
USAA TEXAS LLOYD'S COMPANY 8 250110 0.38
WELLINGTON INSURANCE COMPANY 6 49396 1.44
WESTERN MUTUAL INSURANCE COMPANY 0 3488 0.00
WESTFIELD INSURANCE COMPANY 0 3 0.00
TOTAL 554 6,561,703 1.0


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