50 Large Homeowners Insurers Licensed to Conduct Business in California
Ratio for Complaint Years 2022, 2021, and 2020
TheHomeowners Complaint Composite report is also available as a single pagePDF format.
| 2022 Rank | Company Name | 2022 Approx. Exposure Count | Justified Complaint Ratio | Number of Justified Complaints | ||||
|---|---|---|---|---|---|---|---|---|
| 2022 | 2021 | 2020 | 2022 | 2021 | 2020 | |||
| 1 | Garrison Property and Casualty Insurance Company | 115,066 | 0.0 | 0.9 | 3.0 | 0 | 1 | 3 |
| 2 | 82,749 | 0.0 | 3.2 | 0.0 | 0 | 2 | 0 | |
| 3 | Safeco Insurance Company of Illinois | 58,402 | 0.0 | 0.0 | 1.8 | 0 | 0 | 1 |
| 4 | Century National Insurance Company | 55,045 | 0.0 | 0.0 | 2.7 | 0 | 0 | 1 |
| 5 | AMCO Insurance Company | 45,097 | 0.0 | 8.8 | 12.4 | 0 | 5 | 8 |
| 6 | Interinsurance Exchange of the Automobile Club | 865,433 | 0.9 | 2.0 | 2.6 | 8 | 16 | 21 |
| 7 | California Automobile Insurance Company | 638,347 | 0.9 | 1.8 | 1.3 | 6 | 11 | 8 |
| 8 | First National Insurance Company of America | 100,837 | 1.0 | 6.2 | 0.0 | 1 | 6 | 0 |
| 9 | Foremost Insurance Company Grand Rapids, Michigan | 277,174 | 1.1 | 1.6 | 2.8 | 3 | 4 | 6 |
| 10 | 79,219 | 1.3 | 5.0 | 1.2 | 1 | 4 | 1 | |
| 11 | ASI Select Insurance Corp. | 71,553 | 1.4 | 4.9 | 6.1 | 1 | 3 | 3 |
| 12 | State Farm General Insurance Company | 2,293,718 | 1.4 | 2.2 | 1.4 | 33 | 50 | 31 |
| 13 | USAA General Indemnity Company | 122,583 | 1.6 | 1.6 | 2.5 | 2 | 2 | 3 |
| 14 | Safeco Insurance Company of America | 301,475 | 1.7 | 2.4 | 0.7 | 5 | 7 | 2 |
| 15 | USAA Casualty Insurance Company | 228,087 | 1.8 | 2.6 | 1.8 | 4 | 6 | 4 |
| 16 | Fire Ins Exch | 911,296 | 1.8 | 1.4 | 1.4 | 16 | 13 | 14 |
| 17 | Stillwater Insurance Company | 107,803 | 1.9 | 2.5 | 8.0 | 2 | 2 | 5 |
| 18 | Wawanesa General Insurance Co. | 51,189 | 2.0 | 3.7 | 0.0 | 1 | 2 | 0 |
| 19 | American Modern Insurance Company | 50,140 | 2.0 | 0.0 | 4.0 | 1 | 0 | 2 |
| 20 | Kemper Independence Insurance Company | 45,151 | 2.2 | 8.2 | 7.3 | 1 | 4 | 4 |
| 21 | CSAA Insurance Exchange | 621,984 | 2.3 | 2.7 | 5.8 | 14 | 17 | 36 |
| 22 | Integon National Insurance Company | 84,244 | 2.4 | 4.6 | 14.4 | 2 | 4 | 15 |
| 23 | American Security Insurance Company | 79,772 | 2.5 | 8.1 | 2.7 | 2 | 6 | 2 |
| 24 | Homesite Insurance Company of California | 236,957 | 2.5 | 2.7 | 4.2 | 6 | 6 | 8 |
| 25 | General Insurance Company of America | 192,702 | 2.6 | 3.7 | 2.6 | 5 | 6 | 4 |
| 26 | The Standard Fire Insurance Company | 326,275 | 2.8 | 1.3 | 8.4 | 9 | 2 | 1 |
| 27 | United Services Automobile Association | 207,064 | 2.9 | 2.3 | 0.9 | 6 | 5 | 2 |
| 28 | California Capital Ins Co | 60,183 | 3.3 | 10.9 | 37.8 | 2 | 7 | 27 |
| 29 | American Bankers Insurance Company | 231,372 | 3.5 | 6.4 | 2.9 | 8 | 14 | 6 |
| 30 | Allstate Insurance Company | 717,260 | 3.5 | 5.7 | 3.4 | 25 | 40 | 24 |
| 31 | American Family Connect Property and Casualty Insurance Company | 109,124 | 3.7 | 7.9 | 1.2 | 4 | 7 | 1 |
| 32 | CSE Safeguard Insurance Company | 49,994 | 4.0 | 4.7 | 1.4 | 2 | 3 | 1 |
| 33 | Liberty Insurance Corporation | 240,320 | 4.2 | 3.6 | 2.6 | 10 | 9 | 7 |
| 34 | Mid Century Ins Co | 224,134 | 4.5 | 0.8 | 5.9 | 10 | 2 | 16 |
| 35 | Farmers Ins Exch | 403,056 | 4.5 | 2.3 | 1.4 | 18 | 8 | 4 |
| 36 | Lemonade Insurance Company | 327,305 | 4.9 | 9.0 | 6.1 | 16 | 25 | 13 |
| 37 | Farmers Direct Property and Casualty Insurance Company | 39,130 | 5.1 | 2.6 | 2.7 | 2 | 1 | 1 |
| 38 | Nationwide Mutual Insurance Company | 214,012 | 5.1 | 11.3 | 1.6 | 11 | 25 | 3 |
| 39 | Residence Mutual Insurance Company | 52,914 | 5.7 | 1.8 | 0.0 | 3 | 1 | 0 |
| 40 | Pacific Specialty Insruance | 191,301 | 6.3 | 6.3 | 3.9 | 12 | 12 | 8 |
| 41 | Homesite Insurance Company of the Midwest | 57,689 | 6.9 | 11.3 | 6.5 | 4 | 5 | 2 |
| 42 | 49,360 | 8.1 | 11.2 | 10.2 | 4 | 6 | 6 | |
| 43 | Amica Mutual Insurance Company | 36,582 | 8.2 | 8.1 | 2.7 | 3 | 3 | 1 |
| 44 | California Cas Ind Exch | 60,679 | 8.2 | 9.9 | 1.6 | 5 | 6 | 1 |
| 45 | QBE Insurance Corporation | 47,162 | 8.5 | 8.4 | 4.0 | 4 | 4 | 2 |
| 46 | American Modern Property and Casualty Insurance Company | 105,028 | 9.5 | 17.2 | 11.2 | 10 | 20 | 11 |
| 47 | Zurich American Insurance Company | 64,680 | 13.9 | 9.3 | 5.7 | 9 | 5 | 2 |
| 48 | Universal North America Insurance Company | 46,993 | 21.3 | 7.0 | 6.0 | 10 | 4 | 4 |
| 49 | Spinnaker Insurance Company | 107,953 | 21.3 | 4.2 | 0.0 | 23 | 3 | 0 |
| 50 | AMGUARD INSURANCE COMPANY | 49,292 | 26.4 | 29.8 | 13.3 | 13 | 12 | 3 |
Note: Complaint Ratio is based on the number of Justified Complaints to 100,000 Earned Exposures. Exposures include renters, mobile homes, and condos.
Other Complaint Composite Reports:
- Individual Life Complaint Composite Study
- Automobile Complaint Composite Study
If the company does not appear on the composite report, please do the following:
Go to Company Profile.
Type in the company's name in the field provided and select "Get Company".
Select the company that you want information on. This will take you to the company's profile.
On the left hand column under "Consumer Complaint," please select "Company Performance & Comparison Data".
- The next web page will display the company's performance and comparison data.
If you have any questions regarding this web page or composite report, please contact the Department's Data Analytics and Reporting.
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