Texas Department of Insurance

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2011 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.

Company Name Total Number of Justified Complaints for 2011 Total Number of Homeowners Policies for 2011 Complaint Index
ACCEPTANCE CASUALTY INSURANCE COMPANY 0 13,626 0.00
ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY 0 11,030 0.00
ALLSTATE COUNTY MUTUAL INSURANCE COMPANY 0 6 0.00
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY 22 185,017 1.68
ALLSTATE INDEMNITY COMPANY 7 29,255 3.37
ALLSTATE INSURANCE COMPANY 4 120,459 0.47
ALLSTATE TEXAS LLOYD'S 31 402,344 1.09
AMERICA FIRST INSURANCE COMPANY 2 3,802 7.42
AMERICA FIRST LLOYD'S INSURANCE COMPANY 0 1,623 0.00
AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA 0 2,067 0.00
AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS 2 9,392 3.00
AMERICAN MODERN HOME INSURANCE COMPANY 2 10,696 2.64
AMERICAN MODERN LLOYD'S INSURANCE COMPANY 2 7,853 3.59
AMERICAN NATIONAL LLOYDS INSURANCE COMPANY 0 19,552 0.00
AMERICAN NATIONAL PROPERTY AND CASUALTY COMPANY 0 382 0.00
AMERICAN RISK INSURANCE COMPANY, INC. 11 16,959 9.15
AMERICAN SECURITY INSURANCE COMPANY 0 1,676 0.00
AMERICAN STANDARD LLOYD'S INSURANCE COMPANY 0 4,050 0.00
AMERICAN SUMMIT INSURANCE COMPANY 0 47 0.00
AMICA LLOYD'S OF TEXAS 3 48,758 0.87
ARCH INSURANCE COMPANY 0 122 0.00
ARMED FORCES INSURANCE EXCHANGE 0 3,421 0.00
ASI LLOYDS 14 137,839 1.43
AUSTIN COUNTY FARMERS MUTUAL FIRE INSURANCE ASSOCIATION, INCORPORATED 0 4,615 0.00
AUTO CLUB INDEMNITY COMPANY 3 61,083 0.69
AXIS INSURANCE COMPANY 0 3 0.00
BALBOA INSURANCE COMPANY 8 20,324 5.55
BANKERS STANDARD INSURANCE COMPANY 0 1,420 0.00
BEACON LLOYDS INSURANCE COMPANY 0 7,651 0.00
BITUMINOUS CASUALTY CORPORATION 0 36 0.00
CAPITOL COUNTY MUTUAL FIRE INSURANCE COMPANY 5 71,673 0.98
CENTRAL MUTUAL INSURANCE COMPANY 1 24,525 0.57
CHARTIS PROPERTY CASUALTY COMPANY 0 4,790 0.00
CHUBB LLOYDS INSURANCE COMPANY OF TEXAS 2 27,972 1.01
CHUBB NATIONAL INSURANCE COMPANY 0 5 0.00
CHURCH MUTUAL INSURANCE COMPANY 0 454 0.00
COLONIAL LLOYDS 4 22,738 2.48
COLUMBIA LLOYDS INSURANCE COMPANY 0 33,761 0.00
COMPANION COMMERCIAL INSURANCE COMPANY 0 6,243 0.00
COMPANION PROPERTY AND CASUALTY INSURANCE COMPANY 0 14,386 0.00
CONSOLIDATED LLOYDS 0 45 0.00
CYPRESS TEXAS LLOYDS 5 37,306 1.89
DALLAS NATIONAL INSURANCE COMPANY, A TEXAS STOCK INSURANCE COMPANY 0 154 0.00
DELTA LLOYDS INSURANCE COMPANY OF HOUSTON, TEXAS 0 11,833 0.00
ELECTRIC INSURANCE COMPANY 0 767 0.00
ENCOMPASS HOME AND AUTO INSURANCE COMPANY 0 4,642 0.00
ENCOMPASS INDEMNITY COMPANY 0 10,635 0.00
ENGLE FARMERS MUTUAL BENEFIT ASSOCIATION 0 3,456 0.00
FARMERS INSURANCE EXCHANGE 24 147,810 2.29
FARMERS MUTUAL AID ASSOCIATION OF WASHINGTON COUNTY, TEXAS 0 1,708 0.00
FARMERS MUTUAL FIRE & AID ASSOCIATION OF KENDALL AND KERR COUNTIES, TEXAS 0 378 0.00
FARMERS MUTUAL FIRE INSURANCE ASSOCIATION OF COMAL COUNTY 0 5,131 0.00
FARMERS MUTUAL INSURANCE ASSOCIATION OF BURNET COUNTY 0 266 0.00
FARMERS MUTUAL INSURANCE ASSOCIATION OF ERATH COUNTY 0 755 0.00
FEDERAL INSURANCE COMPANY 0 866 0.00
FIDELITY NATIONAL INDEMNITY INSURANCE COMPANY 3 13,170 3.21
FIDELITY NATIONAL INSURANCE COMPANY 3 762 55.51
FIDELITY NATIONAL PROPERTY AND CASUALTY INSURANCE COMPANY 5 1,472 47.89
FIRE INSURANCE EXCHANGE 9 208,537 0.61
FIRST AMERICAN PROPERTY & CASUALTY INSURANCE COMPANY 1 7,131 1.98
FOREMOST LLOYDS OF TEXAS 5 114,614 0.62
GARFIELD FARM MUTUAL INSURANCE ASSOCIATION 1 4,651 3.03
GEOVERA INSURANCE COMPANY 1 14,297 0.99
GERMAN-AMERICAN FARM MUTUAL 0 11,357 0.00
GERMANIA FARM MUTUAL INSURANCE ASSOCIATION 6 224,703 0.38
GREAT AMERICAN ALLIANCE INSURANCE COMPANY 0 70 0.00
GREAT AMERICAN ASSURANCE COMPANY 0 199 0.00
GREAT AMERICAN INSURANCE COMPANY 0 71 0.00
GREAT AMERICAN INSURANCE COMPANY OF NEW YORK 0 684 0.00
HARTFORD ACCIDENT AND INDEMNITY COMPANY 0 911 0.00
HARTFORD FIRE INSURANCE COMPANY 0 106 0.00
HARTFORD LLOYD'S INSURANCE COMPANY 3 12,832 3.30
HOCHHEIM PRAIRIE FARM MUTUAL INSURANCE ASSOCIATION 7 132,770 0.74
HOMEOWNERS OF AMERICA INSURANCE COMPANY 6 49,242 1.72
HOMESITE LLOYD'S OF TEXAS 1 30,216 0.47
HORACE MANN INSURANCE COMPANY 0 200 0.00
HORACE MANN LLOYDS 3 11,847 3.57
IDS PROPERTY CASUALTY INSURANCE COMPANY 1 7,829 1.80
IMPERIAL FIRE AND CASUALTY INSURANCE COMPANY 0 19,033 0.00
INTERINSURANCE EXCHANGE OF THE AUTOMOBILE CLUB 0 7,291 0.00
LIBERTY INSURANCE CORPORATION 4 54,370 1.04
LIBERTY LLOYDS OF TEXAS INSURANCE COMPANY 2 52,493 0.54
LIBERTY MUTUAL FIRE INSURANCE COMPANY 3 27,410 1.54
LOYA INSURANCE COMPANY 2 7,281 3.87
MERITPLAN INSURANCE COMPANY 2 40,626 0.69
METROPOLITAN LLOYDS INSURANCE COMPANY OF TEXAS 5 48,231 1.46
MUENSTER FARM MUTUAL FIRE INSURANCE ASSOCIATION, INC. 0 3,780 0.00
NATIONAL LLOYDS INSURANCE COMPANY 7 250,494 0.39
NATIONAL SPECIALTY INSURANCE COMPANY 10 38,564 3.66
NATIONAL SURETY CORPORATION 1 6,124 2.30
NATIONAL UNITY INSURANCE COMPANY 0 388 0.00
NATIONWIDE GENERAL INSURANCE COMPANY 0 8,162 0.00
NATIONWIDE LLOYDS 1 52,485 0.27
NATIONWIDE MUTUAL INSURANCE COMPANY 1 1 14,099.39
NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY 6 91,774 0.92
NEW CENTURY INSURANCE COMPANY 0 1,642 0.00
OCEAN HARBOR CASUALTY INSURANCE COMPANY 0 672 0.00
PACIFIC SPECIALTY INSURANCE COMPANY 1 2,807 5.02
PACIFIC SPECIALTY PROPERTY AND CASUALTY COMPANY 1 7,228 1.95
PEERLESS INDEMNITY INSURANCE COMPANY 0 8,376 0.00
PILLAR INSURANCE COMPANY 0 1,389 0.00
PRAETORIAN INSURANCE COMPANY 0 5,506 0.00
PRIORITY ONE INSURANCE COMPANY 1 5,617 2.51
PROPERTY AND CASUALTY INSURANCE COMPANY OF HARTFORD 18 41,662 6.09
QBE INSURANCE CORPORATION 1 737 19.13
R.V.O.S. FARM MUTUAL INSURANCE COMPANY 1 75,744 0.19
REPUBLIC LLOYDS 2 57,259 0.49
REPUBLIC UNDERWRITERS INSURANCE COMPANY 0 2,770 0.00
SAFECO INSURANCE COMPANY OF AMERICA 0 19,341 0.00
SAFECO INSURANCE COMPANY OF INDIANA 11 163,904 0.95
SAFECO LLOYDS INSURANCE COMPANY 2 28,509 0.99
SENTINEL INSURANCE COMPANY, LTD. 5 23,969 2.94
SENTRY INSURANCE A MUTUAL COMPANY 0 284 0.00
SLAVONIC MUTUAL FIRE INSURANCE ASSOCIATION 0 3,126 0.00
SOUTHERN INSURANCE COMPANY 2 22,732 1.24
SOUTHERN VANGUARD INSURANCE COMPANY 3 53,968 0.78
STATE AUTO PROPERTY & CASUALTY INSURANCE COMPANY 1 27,864 0.51
STATE FARM GENERAL INSURANCE COMPANY 0 2,674 0.00
STATE FARM LLOYDS 80 1,264,399 0.89
STONINGTON LLOYDS INSURANCE COMPANY 0 918 0.00
TEXAS FAIR PLAN ASSOCIATION 2 96,710 0.29
TEXAS FARM BUREAU MUTUAL INSURANCE COMPANY 7 90,785 1.09
TEXAS FARM BUREAU UNDERWRITERS 6 101,997 0.83
TEXAS FARMERS INSURANCE COMPANY 19 329,246 0.81
TEXAS HERITAGE INSURANCE COMPANY 0 6,492 0.00
TEXAS WINDSTORM INSURANCE ASSOCIATION 8 242,531 0.47
TRAVELERS COMMERCIAL INSURANCE COMPANY 1 4,960 2.84
TRAVELERS HOME AND MARINE INSURANCE COMPANY, THE 9 108,145 1.17
TRAVELERS LLOYDS OF TEXAS INSURANCE COMPANY 10 125,829 1.12
TRAVELERS PERSONAL SECURITY INSURANCE COMPANY 0 1,398 0.00
TRINITY UNIVERSAL INSURANCE COMPANY 1 9,561 1.47
TRUMBULL INSURANCE COMPANY 1 2,352 5.99
TWIN CITY FIRE INSURANCE COMPANY 0 383 0.00
U S LLOYDS INSURANCE COMPANY 3 14,808 2.86
UNITED FIRE LLOYDS 0 2,644 0.00
UNITED SERVICES AUTOMOBILE ASSOCIATION 3 256,360 0.16
UNITED STATES LIABILITY INSURANCE COMPANY 0 71 0.00
UNITRIN PREFERRED INSURANCE COMPANY 0 2,860 0.00
UNITRIN SAFEGUARD INSURANCE COMPANY 4 12,393 4.55
UNIVERSAL INSURANCE COMPANY OF NORTH AMERICA 6 8,984 9.42
UNIVERSAL NORTH AMERICA INSURANCE COMPANY 6 27,449 3.08
USAA TEXAS LLOYD'S COMPANY 6 285,242 0.30
WELLINGTON INSURANCE COMPANY 4 43,423 1.30
WESTFIELD INSURANCE COMPANY 0 7 0.00
Total 476 6,711,312 1.00

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Last updated: 01/29/2015



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