Below you will find a list of the top 20 homeowner Insurance companies in California by earned premium for 2009. But which ones to choose? Not by price alone. You want to find a company that would rather pay it's insured instead of lawyers to fight claims. You can find that out by looking at justified complaint ratios and the JD Power survey on homeowner's Insurance is also very helpful (below).
At the bottom are all the California Insurance Companies licensed to sell homeowners policies:
| Complaint Ranking (out of 50) | Company Name | Earned Premium 2009 | JD Power Overall Rating |
| 15 | State Farm General Insurance Company | 1,358,179,309 | Better than most |
| 31 | Fire Insurance Exchange | 630,846,644 | Not Rated |
| 35 | Allstate Insurance Company | 608,264,780 | About average |
| 29 | California State Auto Association - CSAA | 413,206,981 | About average |
| 17 | InterInsurance Exchange of The Automobile Club | 308,725,195 | Not Rated |
| 1 | Mercury Casualty Company | 193,267,382 | Not Rated |
| 26 | United Services Auto Association | 165,370,682 | Among the best |
| 21 | Amco Insurance Company | 152,904,167 | Not Rated |
| 30 | Liberty Mutual Fire Insurance Company | 141,785,923 | About average |
| 28 | Fireman's Fund Insurance Company | 133,485,289 | Below average |
| 16 | USAA Casualty Insurance Company | 126,553,848 | Among the best |
| 25 | Travelers Property Casualty Insurance Company | 83,896,368 | Below average |
| 3 | Pacific Specialty Insurance Company | 79,671,833 | Not Rated |
| 47 | Federal Insurance Company | 73,570,400 | Not Rated |
| 24 | Safeco Insurance Company of America | 71,259,698 | About average |
| 22 | Allied Property & Casualty Insurance Company | 64,971,416 | Not Rated |
| 18 | Century-National Insurance Company | 64,643,715 | Not Rated |
| 32 | Hartford Underwriters Insurance Company | 61,871,429 | Better than most |
| 23 | Safeco Insurance Company of Illinois | 60,761,916 | About average |
| 4 | First American Specialty Insurance Company | 50,970,194 | Not Rated |
| COMPANY NAME | PHONE NUMBER |
|---|---|
| 21ST Century Insurance Company | 800-211-7283 |
| ACE American Insurance Company | 800-352-4462 |
| ACE Fire Underwriters Insurance Company | 800-352-4462 |
| ACE Property & Casualty Insurance Company | 215-640-1000 |
| Aegis Security Insurance Company | 800-233-2160 |
| Affiliated FM Insurance Company | 401-275-3000 |
| AIU Insurance Company | 800-433-8880 |
| Allied Property & Casualty Insurance Company | 800-634-7351 |
| Allstate Insurance Company | 800-998-1780 |
| AllState Insurance Company | 800-386-6126 |
| AMCO Insurance Company | 800-634-7351 |
| American Automobile Insurance Company | 415-899-2000 |
| American Bankers Insurance Company of Florida | 800-852-2244 |
| American Casualty Company of Reading Pennsylvania | 800-262-7161 |
| American Family Home Insurance Company | 800-543-2644 |
| American Federation Insurance Company (Flood Insurance) | 800-527-3907 |
| American Insurance Company | 800-527-5787 |
| American International Insurance Company of CA | 800-241-1188 |
| American Manufactures Mutual Insurance Company | 800-833-0355 |
| American Modern Home Insurance Company | 800-543-2644 |
| American Reliable Insurance Company | 800-535-1333 |
| American Security Insurance Company | 800-237-4352 |
| American States Insurance Company | 800-332-3226 |
| Amex Assurance Company | 800-618-8441 |
| Amica Mutual Insurance Company | 800-992-6422 |
| Anchor General Insurance Company | 800-542-6246 |
| Armed Forces Insurance Exchange | 800-255-6792 |
| Associated Insurance Corporation | 800-633-7007 |
| Balboa Insurance Company | 800-854-6115 |
| Bankers Standard Insurance Company | 800-352-4462 |
| Beazley Insurance Company Inc. | 800-788-9488 |
| Berkley Insurance Company | 800-866-2308 |
| Blue Ridge Insurance Company | 800-961-1121 |
| California Capital Insurance Company | 800-682-9255 |
| California Casualty Insurance Exchange | 800-800-9410 |
| California Casualty Insurance Company | 800-800-9410 |
| California Mutual Insurance Company | 800-310-5824 |
| California State Auto Association | 800-922-8228 |
| Centre Insurance Company | 800-548-7200 |
| Century Insurance Company | 800-352-4462 |
| Century National Insurance Company | 800-760-5001 |
| Church Mutual Insurance Company | 800-542-3465 |
| Cincinnati Insurance Company | 513-870-2000 |
| Civic Property & Casualty Company | 800-242-5592 |
| Civil Service Employees Insurance Company | 800-282-6848 |
| Clarendon National Insurance Company | 800-669-1889 |
| Commerce West Insurance Company | 800-221-1605 |
| Continental Insurance Company | 800-262-4554 |
| CSE Safeguard Insurance Company | 800-282-6848 |
| Delos Insurance Company | 212-702-3700 |
| Depositors Insurance Company | 800-247-0363 |
| Diamond State Insurance Company | 800-333-0352 |
| Eagle West Insurance Company | 800-682-9255 |
| Electric Insurance Company | 800-227-2757 |
| Empire Fire & Marine Insurance Company | 800-228-9283 |
| Encompass Insurance Company | 800-588-7400 |
| Exact Property & Casualty Company Inc. | 800-242-5592 |
| Explorer Insurance Company | 800-788-8984 |
| Farmers Insurance Exchange | 888-516-5656 |
| Federal Insurance Company | 800-252-4670 |
| Fidelity & Deposit Company of Maryland | 800-382-2150 |
| Fidelity National Insurance Company | 888-333-2120 |
| Fidelity National Property & Casualty Insurance Company | 805-569-6645 |
| Fire Insurance Exchange | 323-932-3200 |
| Fireman's Fund Insurance Company | 800-527-5787 |
| First American Property & Casualty Insurance Company | 888-922-5343 |
| First American Specialty Insurance Company | 888-474-7500 |
| First Liberty Insurance Corporation | 800-344-0197 |
| First National Insurance Company of America | 617-357-9500 |
| Foremost Insurance Company | 800-527-3905 |
| Foremost Property & Casualty Insurance Company (Flood Insurance) | 800-527-3905 |
| Garrison Property & Casualty Insurance Company | 800-531-8111 |
| Grover Insurance Company (Earthquake Insurance only) | 800-324-6020 |
| Geovera Specialty Insurance Company | 800-232-3347 |
| Golden Bear Insurance Company | 209-948-8191 |
| Golden Eagle Insurance Corporation | 800-688-8661 |
| Government Employees Insurance Company | 800-824-5404 |
| Grange Insurance Association | 800-247-2643 |
| Great American Spirit Insurance Company | 800-972-3008 |
| Great Northern Insurance Company | 800-252-4670 |
| Hartford Casualty Insurance Company | 800-243-5860 |
| Hartford Fire Insurance Company | 800-243-5860 |
| Hartford Insurance Company of the Midwest | 800-624-5578 |
| Hartford Underwriters Insurance Company | 800-243-5860 |
| Homesite Insurance Company of CA | 800-466-3748 |
| Horace Mann Insurance Company | 800-999-1030 |
| Horace Mann Property & Casualty Insurance Company | 800-999-1030 |
| IDS Property Casualty Insurance Company | 888-335-3755 |
| Insurance Company of N America | 800-352-4462 |
| Insurance Corp. of New York | 203-418-4100 |
| INTERINS EXCH of THE AUTOMOBILE CLUB | 800-924-6141 |
| Kemper INDEPENDENCE Insurance Company | 877-252-7878 |
| Liberty Mutual Fire Insurance Company | 800-262-8238 |
| Liberty Mutual Insurance Company | 800-262-8238 |
| Lincoln General Insurance Company | 800-876-3350 |
| LM Property & Casualty Insurance Company | 800-344-0197 |
| Lumberman's Mutual Casualty Company | 800-833-0355 |
| Markel American Insurance Company | 800-236-2862 |
| Massachusetts Bay Insurance Company | 800-688-8077 |
| Merastar Insurance Company | 800-637-2782 |
| Merced Mutual Insurance Company | 800-348-6747 |
| Mercury Casualty Company | 800-824-6194 |
| Meritplan Insurance Company | 877-793-4948 |
| Metropolitan Direct Property & Casualty Insurance Company | 800-638-4208 |
| MIC General Insurance Corporation | 336-770-2838 |
| Michigan Millers Mutual Insurance Company | 800-888-1914 |
| Mid Century Insurance Company | 888-425-2467 |
| National Surety Corporation | 800-562-4221 |
| Nationwide Insurance Company of America | 800-421-3535 |
| Nationwide Mutual Fire Insurance Company | 800-523-7828 |
| Nationwide Mutual Insurance Company | 800-523-7828 |
| Neighborhood Spirit Property & Casualty Company | 888-441-3228 |
| New Hampshire Insurance Company (Flood Insurance) | 800-433-8880 |
| Newport Insurance Company | 800-854-6115 |
| Nipponkoa Insurance Company Limited US | 818-509-6223 |
| North River Insurance Company | 800-690-5520 |
| Northern Insurance Company of NY | 800-382-2150 |
| Northland Insurance Company | 800-237-9334 |
| Onebeacon Insurance Company | 888-421-2111 |
| Oregon Mutual Insurance Company | 800-888-2141 |
| Pacific Employers Insurance Company | 800-352-4462 |
| Pacific Insurance Company | 800-252-4670 |
| Pacific Pioneer Insurance Company | 714-228-7800 |
| Pacific Property & Casualty Company | 800-333-2860 |
| Pacific Select Property Insurance Company (Earthquake Insurance only) | 800-774-1012 |
| Pacific Specialty Insurance Company | 800-828-3003 |
| Pennsylvania General Insurance Company | 888-421-2111 |
| Personal Express Insurance Company | 831-333-9880 |
| PHILADELPHIA Insurance Insurance Company | 800-564-7766 |
| PROVIDENCE WASHINGTON Insurance Company | 800-752-4549 |
| QBE Insurance Corporation | 800-669-1889 |
| Residence Mutual Insurance Company | 800-234-2103 |
| Rocky Mountain Fire & Casualty Company | 800-247-2643 |
| Safeco Insurance Company of America | 617-357-9500 |
| Safeco Insurance Company of IL | 888-723-3265 |
| Sentry Insurance, a Mutual Company | 800-833-2244 |
| Sequioa Insurance Company | 831-657-4528 |
| Sompo Japan Insurance Company of America | 800-444-6870 |
| Standard Fire Insurance Company | 800-252-4633 |
| Standard Guaranty Insurance Company | 404-261-9000 |
| Starr Insurance & Liability Company | 800-344-2275 |
| State Farm General Insurance Company | 714-241-1000 |
| State National Insurance Company Inc. | 800-877-4567 |
| Sutter Insurance Company | 800-530-1124 |
| TIG Insurance Company | 800-472-7583 |
| Tokio Marine & Nichico Fire Insurance Company | 626-568-7600 |
| TOPA Insurance Company | 800-949-6505 |
| Tower Insurance Company of New York | 888-856-5522 |
| Travelers Casualty & Surety Company | 877-872-8737 |
| Travelers Commercial Insurance Company | 877-872-8737 |
| Travelers Property Casualty Insurance Company | 860-277-0111 |
| Trinity Universal Insurance Company | 904-245-5644 |
| Twin City Fire Insurance Company Company | 800-243-5860 |
| Unigard Insurance Company | 800-777-0765 |
| Unigard Insurance Company | 800-777-0765 |
| United States Fire Insurance Company | 973-490-6846 |
| Unitrin Auto & Home Insurance Company | 904-245-5644 |
| US Fidelity & Guaranty Company | 800-328-2189 |
| USAA | 800-531-8100 |
| USAA Casualty Insurance Company | 800-531-8222 |
| USAA General Insurance Company | 800-531-8100 |
| Valley Forge Insurance Company | 800-345-7542 |
| Valley Insurance Company | 800-777-2249 |
| Vigilant Insurance Company | 800-252-4670 |
| Vintage Insurance Company | 800-227-1700 |
| Wawanesa General Insurance Company | 800-640-2920 |
| Wawanesa Mutual Insurance Company | 800-640-2920 |
| Western Home Insurance Company | 800-999-3464 |
| Western Mutual Insurance Company | 800-234-2103 |
| White Mountains Reinsurance Company of America | 212-312-2534 |
| Workmen's Auto Insurance Company | 800-697-6117 |
| Zurich American Insurance Company | 800-382-2150 |