Texas Department of Insurance

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2009 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.

2009 Homeowners Complaint Index
Company Name Total Number of Justified Complaints for 2009 Total Number of Homeowners Policies for 2009 Complaint Index
AIG ADVANTAGE INSURANCE COMPANY 2 3,742 2.03
ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY 1 3,971 0.96
ALLSTATE COUNTY MUTUAL INSURANCE COMPANY 1 1,216 3.13
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY 17 157,392 0.41
ALLSTATE INDEMNITY COMPANY 2 21,969 0.35
ALLSTATE INSURANCE COMPANY 4 91,053 0.17
ALLSTATE TEXAS LLOYD'S 115 495,776 0.88
AMERICA FIRST INSURANCE COMPANY 6 6,483 3.52
AMERICA FIRST LLOYD'S INSURANCE COMPANY 1 2,218 1.71
AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA 6 3,680 6.20
AMERICAN ECONOMY INSURANCE COMPANY 0 122 0.00
AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS 1 2,877 1.32
AMERICAN MODERN HOME INSURANCE COMPANY 0 46,898 0.00
AMERICAN NATIONAL LLOYDS INSURANCE COMPANY 2 22,067 0.34
AMERICAN NATIONAL PROPERTY AND CASUALTY COMPANY 0 258 0.00
AMERICAN RELIABLE INSURANCE COMPANY 1 1,319 2.88
AMERICAN RISK INSURANCE COMPANY, INC. 26 8,083 12.23
AMERICAN SECURITY INSURANCE COMPANY 3 2,103 5.42
AMERICAN STANDARD LLOYD'S INSURANCE COMPANY 2 5,996 1.27
AMERICAN STATES INSURANCE COMPANY 0 1,327 0.00
AMERICAN STATES INSURANCE COMPANY OF TEXAS 0 260 0.00
AMERICAN STATES LLOYDS INSURANCE COMPANY 0 584 0.00
AMERICAN SUMMIT INSURANCE COMPANY 0 309 0.00
AMICA LLOYD'S OF TEXAS 2 39,967 0.19
ARCH INSURANCE COMPANY 0 26 0.00
ARMED FORCES INSURANCE EXCHANGE 0 3,975 0.00
ASI LLOYDS 8 102,208 0.30
AUSTIN COUNTY FARMERS MUTUAL FIRE INSURANCE ASSOCIATION, INCORPORATED 0 4,730 0.00
AUTO CLUB INDEMNITY COMPANY 11 44,605 0.94
AXIS INSURANCE COMPANY 0 9 0.00
BALBOA INSURANCE COMPANY 21 46,199 1.73
BEACON LLOYDS INSURANCE COMPANY 0 12,303 0.00
BITUMINOUS CASUALTY CORPORATION 0 73 0.00
CAPITOL COUNTY MUTUAL FIRE INSURANCE COMPANY 44 82,850 2.02
CENTRAL MUTUAL INSURANCE COMPANY 0 24,460 0.00
CHARTIS PROPERTY CASUALTY COMPANY 0 595 0.00
CHUBB LLOYDS INSURANCE COMPANY OF TEXAS 0 2,631 0.00
CHUBB NATIONAL INSURANCE COMPANY 0 4 0.00
CHURCH MUTUAL INSURANCE COMPANY 0 590 0.00
COLONIAL LLOYDS 3 24,365 0.47
COLUMBIA LLOYDS INSURANCE COMPANY 22 34,629 2.41
CONSOLIDATED LLOYDS 0 102 0.00
CYPRESS TEXAS LLOYDS 22 45,929 1.82
DALLAS NATIONAL INSURANCE COMPANY, A TEXAS STOCK INSURANCE COMPANY 0 299 0.00
DELTA LLOYDS INSURANCE COMPANY OF HOUSTON, TEXAS 2 5,713 1.33
ELECTRIC INSURANCE COMPANY 0 651 0.00
ENCOMPASS HOME AND AUTO INSURANCE COMPANY 0 7,511 0.00
ENCOMPASS INDEMNITY COMPANY 1 7,425 0.51
ENGLE FARMERS MUTUAL BENEFIT ASSOCIATION 0 3,697 0.00
FARMERS INSURANCE EXCHANGE 38 147,755 0.98
FARMERS MUTUAL AID ASSOCIATION OF WASHINGTON COUNTY, TEXAS 0 1,726 0.00
FARMERS MUTUAL FIRE & AID ASSOCIATION OF KENDALL AND KERR COUNTIES, TEXAS 0 395 0.00
FARMERS MUTUAL FIRE INSURANCE ASSOCIATION OF COMAL COUNTY 0 5,259 0.00
FARMERS MUTUAL INSURANCE ASSOCIATION OF ERATH COUNTY 0 788 0.00
FEDERAL INSURANCE COMPANY 0 342 0.00
FIDELITY NATIONAL INDEMNITY INSURANCE COMPANY 0 15,978 0.00
FIDELITY NATIONAL PROPERTY AND CASUALTY INSURANCE COMPANY 3 1,646 6.93
FINANCIAL CASUALTY & SURETY, INC. 5 24,105 0.79
FIRE INSURANCE EXCHANGE 26 242,200 0.41
FIRST AMERICAN PROPERTY & CASUALTY INSURANCE COMPANY 0 4,565 0.00
FIRST NATIONAL INSURANCE COMPANY OF AMERICA 0 1,018 0.00
FOREMOST LLOYDS OF TEXAS 15 108,472 0.53
GARFIELD FARM MUTUAL INSURANCE ASSOCIATION 0 4,652 0.00
GENERAL INSURANCE COMPANY OF AMERICA 0 136 0.00
GEOVERA INSURANCE COMPANY 2 12,472 0.61
GERMAN-AMERICAN FARM MUTUAL 0 13,372 0.00
GERMANIA FARM MUTUAL INSURANCE ASSOCIATION 5 213,979 0.09
GILLESPIE FARM MUTUAL INSURANCE COMPANY 0 1,541 0.00
GREAT AMERICAN ALLIANCE INSURANCE COMPANY 0 44 0.00
GREAT AMERICAN ASSURANCE COMPANY 0 315 0.00
GREAT AMERICAN INSURANCE COMPANY 0 20 0.00
GREAT AMERICAN INSURANCE COMPANY OF NEW YORK 0 693 0.00
HARTFORD INSURANCE COMPANY OF THE MIDWEST 1 21 181.00
HARTFORD LLOYD'S INSURANCE COMPANY 9 16,910 2.02
HOCHHEIM PRAIRIE FARM MUTUAL INSURANCE ASSOCIATION 8 124,832 0.24
HOMEOWNERS OF AMERICA INSURANCE COMPANY 7 32,220 0.83
HOMESITE LLOYD'S OF TEXAS 5 18,565 1.02
HOMEWISE PREFERRED INSURANCE COMPANY 2 276 27.54
HORACE MANN INSURANCE COMPANY 0 200 0.00
HORACE MANN LLOYDS 3 11,703 0.97
IDS PROPERTY CASUALTY INSURANCE COMPANY 0 3,567 0.00
IMPERIAL FIRE AND CASUALTY INSURANCE COMPANY 2 7,200 1.06
INTERINSURANCE EXCHANGE OF THE AUTOMOBILE CLUB 8 8,756 3.47
IRONSHORE INDEMNITY INC. 0 1 0.00
LIBERTY INSURANCE CORPORATION 0 12,025 0.00
LIBERTY LLOYDS OF TEXAS INSURANCE COMPANY 8 55,683 0.55
LIBERTY MUTUAL FIRE INSURANCE COMPANY 11 40,180 1.04
LINCOLN GENERAL INSURANCE COMPANY 13 22,225 2.22
LOYA INSURANCE COMPANY 3 6,898 1.65
LUMBERMEN'S UNDERWRITERS 0 1 0.00
MERITPLAN INSURANCE COMPANY 0 30,121 0.00
METROPOLITAN LLOYDS INSURANCE COMPANY OF TEXAS 7 36,786 0.72
MUENSTER FARM MUTUAL FIRE INSURANCE ASSOCIATION, INC. 0 3,912 0.00
NATIONAL LLOYDS INSURANCE COMPANY 26 238,899 0.41
NATIONAL SPECIALTY INSURANCE COMPANY 8 42,199 0.72
NATIONAL SURETY CORPORATION 0 3,732 0.00
NATIONWIDE LLOYDS 17 57,850 1.12
NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY 16 113,824 0.53
NEW CENTURY INSURANCE COMPANY 0 832 0.00
NEWPORT E&S INSURANCE COMPANY 0 445 0.00
NGM INSURANCE COMPANY 1 18,794 0.20
PACIFIC SPECIALTY INSURANCE COMPANY 8 5,068 6.00
PACIFIC SPECIALTY PROPERTY AND CASUALTY COMPANY 0 1,361 0.00
PEERLESS INDEMNITY INSURANCE COMPANY 3 11,978 0.95
PRIORITY ONE INSURANCE COMPANY 0 5,945 0.00
PROCENTURY INSURANCE COMPANY 1 1,008 3.77
PROPERTY AND CASUALTY INSURANCE COMPANY OF HARTFORD 7 39,382 0.68
R.V.O.S. FARM MUTUAL INSURANCE COMPANY 4 76,891 0.20
REPUBLIC LLOYDS 11 80,300 0.52
SAFECO INSURANCE COMPANY OF INDIANA 12 81,510 0.56
SAFECO LLOYDS INSURANCE COMPANY 5 41,015 0.46
SAN ANTONIO INDEMNITY COMPANY 0 1,614 0.00
SENTINEL INSURANCE COMPANY, LTD. 6 35,524 0.64
SENTRY INSURANCE A MUTUAL COMPANY 0 432 0.00
SLAVONIC MUTUAL FIRE INSURANCE ASSOCIATION 0 3,637 0.00
SOUTHERN COUNTY MUTUAL INSURANCE COMPANY 0 11 0.00
SOUTHERN INSURANCE COMPANY 6 28,233 0.81
SOUTHERN VANGUARD INSURANCE COMPANY 8 56,081 0.54
SOUTHLAND LLOYD'S INSURANCE COMPANY 0 1,975 0.00
STATE AUTO PROPERTY & CASUALTY INSURANCE COMPANY 1 13,485 0.28
STATE FARM GENERAL INSURANCE COMPANY 1 15,356 0.25
STATE FARM LLOYDS 149 1,239,106 0.46
STONINGTON LLOYDS INSURANCE COMPANY 0 3,480 0.00
TEXAS FAIR PLAN ASSOCIATION 109 72,989 5.68
TEXAS FARM BUREAU MUTUAL INSURANCE COMPANY 3 60,094 0.19
TEXAS FARM BUREAU UNDERWRITERS 10 135,553 0.28
TEXAS FARMERS INSURANCE COMPANY 43 305,954 0.53
TEXAS HERITAGE INSURANCE COMPANY 4 10,849 1.40
TEXAS WINDSTORM INSURANCE ASSOCIATION 650 228,643 10.81
TOKIO MARINE & NICHIDO FIRE INSURANCE CO., LTD. 0 27 0.00
TRAVELERS COMMERCIAL INSURANCE COMPANY 0 2,912 0.00
TRAVELERS HOME AND MARINE INSURANCE COMPANY, THE 2 65,231 0.12
TRAVELERS LLOYDS OF TEXAS INSURANCE COMPANY 26 178,169 0.55
TRAVELERS PERSONAL SECURITY INSURANCE COMPANY 1 1,743 2.18
TRINITY UNIVERSAL INSURANCE COMPANY 1 16,914 0.22
TWIN CITY FIRE INSURANCE COMPANY 0 1 0.00
U S LLOYDS INSURANCE COMPANY 3 12,749 0.89
UNITED FIRE LLOYDS 1 2326 1.63
UNITED SERVICES AUTOMOBILE ASSOCIATION 7 241042 0.11
UNITRIN PREFERRED INSURANCE COMPANY 0 4133 0.00
UNITRIN SAFEGUARD INSURANCE COMPANY 0 7365 0.00
UNIVERSAL NORTH AMERICA INSURANCE COMPANY 19 19585 3.69
USAA TEXAS LLOYD'S COMPANY 12 222830 0.20
WELLINGTON INSURANCE COMPANY 14 49279 1.08
WESTERN MUTUAL INSURANCE COMPANY 0 2172 0.00
WESTFIELD INSURANCE COMPANY 0 3 0.00
TOTAL 1,702 6,469,334 1.00

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