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California HomeOwners Insurance Complaints
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Complaint Ratios for California HomeOwners Insurance Companies

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'09 Rank

Company Name

2009 Approx. Exposure Count

Justified Complaint Ratio

Number of  Justified Complaints

2009

2008

2007

2009

2008

2007

1

MERCURY CAS CO

302,428

0.0

1.0

0.7

0

3

2

2

AMERICAN MODERN HOME INS CO

107,610

0.0

0.0

4.7

0

0

4

3

PACIFIC SPECIALTY INS CO

105,447

0.0

2.0

2.2

0

2

2

4

FIRST AMER SPECILATY INS CO

91,964

0.0

1.9

0.0

0

2

0

5

KEMPER INDEPENDENCE INS CO

63,176

0.0

0.0

1.5

0

0

1

6

CALIFORNIA CASUALTY IND EXCH

47,341

0.0

2.1

2.1

0

1

1

7

AMERICAN BANKERS INS CO OF FL

36,864

0.0

0.0

0.0

0

0

0

8

CIVIL SERV EMPLOYEES INS CO

34,541

0.0

0.0

2.5

0

0

1

9

IDS PROP CAS INS CO

32,541

0.0

0.0

0.0

0

0

0

10

ENCOMPASS INS CO

31,489

0.0

0.0

0.0

0

0

0

11

WAWANESA GEN INS CO

30,932

0.0

3.3

0.0

0

1

0

12

FOREMOST PROPERTY & CAS INS CO

22,594

0.0

4.4

4.4

0

1

1

13

FIRST AMER PROP & CAS INS CO

21,029

0.0

0.0

0.0

0

0

0

14

AMICA MUT INS CO

20,906

0.0

5.1

0.0

0

1

0

15

STATE FARM GEN INS CO

1,820,009

0.5

1.0

0.4

10

17

6

16

USAA CAS INS CO

180,744

0.6

0.6

0.0

1

1

0

17

AAA INTERINS EXCH OF THE AUTOMOBILE CLUB

471,529

0.8

1.1

2.0

4

5

9

18

CENTURY NATL INS CO

112,851

0.9

2.4

0.7

1

3

1

19

CALIFORNIA CAPITAL INS CO

76,963

1.3

0.0

1.3

1

0

1

20

FOREMOST INS CO GRAND RAPIDS MI

144,884

1.4

1.4

0.7

2

2

1

21

AMCO INS CO

285,114

1.4

1.2

0.9

4

3

2

22

ALLIED PROP & CAS INS CO

138,507

1.4

1.9

1.9

2

2

2

23

SAFECO INSURANCE CO OF IL

68,918

1.5

1.5

0.0

1

1

0

24

SAFECO INS CO OF AMER

194,421

1.5

1.8

2.0

3

3

3

25

TRAVELERS PROP CAS INS CO

118,044

1.7

0.8

3.1

2

1

4

26

USAA

225,275

1.8

0.0

0.5

4

0

1

27

HARTFORD CAS INS CO

55,952

1.8

1.7

5.1

1

1

3

28

FIREMANS FUND INS CO

51,025

2.0

4.3

6.3

1

2

3

29

CALIFORNIA STATE AUTO ASSN INTER INS

484,134

2.1

0.8

1.5

10

4

7

30

LIBERTY MUT FIRE INS CO

182,239

2.2

0.0

2.4

4

0

4

31

FIRE INSURANCE EXCH

1,017,765

2.3

1.7

2.3

23

19

28

32

HARTFORD UNDERWRITERS INS CO

84,936

2.4

3.5

6.0

2

3

5

33

MERITPLAN INS CO

36,534

2.7

2.4

2.3

1

1

1

34

BALBOA INSURANCE COMPANY

34,700

2.9

5.3

12.1

1

2

7

35

ALLSTATE INS CO

930,754

2.9

2.1

2.1

27

21

22

36

RESIDENCE MUT INS CO

64,984

3.1

0.0

0.0

2

0

0

37

AMERICAN RELIABLE INS CO

51,990

3.8

5.8

4.0

2

3

2

38

FIRST NATIONAL INS CO OF AMER

75,683

4.0

0.0

2.6

3

0

1

39

NEIGHBORHOOD SPIRIT PROP & CAS CO

45,562

4.4

2.2

1.9

2

1

1

40

FIDELITY NATIONAL INS CO

44,098

4.5

5.3

3.0

2

3

2

41

TRAVELERS COMMERCIAL INS CO

106,927

4.7

7.7

0.0

5

4

0

42

CSE SAFEGUARD INS CO

21,156

4.7

0.0

17.2

1

0

2

43

NEWPORT INS CO

39,417

5.1

17.5

8.7

2

6

3

44

MID CENTURY INS CO

422,845

5.4

3.5

3.5

23

11

10

45

FARMERS INS EXCH

105,856

6.6

2.9

2.7

7

3

3

46

AMERICAN SECURITY INS CO

26,597

7.5

16.4

3.0

2

5

1

47

FEDERAL INS CO

19,001

10.5

5.6

18.0

2

1

3

48

NATIONWIDE INS CO OF AMER

32,066

12.5

0.0

0.0

4

0

0

49

TOWER INS CO OF NY

32,595

18.4

25.9

new

6

1

0

50

HOMESITE INS CO OF CA

35,220

39.7

14.7

12.5

14

4

3



ALLIED PROPERTY AND CASUALTY INSURANCE COMPANY FORMERLY: AIDCO INSURANCE COMPANY 04/23/1986
1100 LOCUST STREET
DES MOINES, IA 50391
800-634-7351

ALLSTATE INSURANCE COMPANY
3075 SANDERS ROAD, STE. H1A
NORTHBROOK, IL 60062-7127
800-386-6126

AMCO INSURANCE COMPANY
1100 LOCUST STREET
DES MOINES, IA 50391
800-282-9445

AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA
260 INTERSTATE NORTH CIRCLE, SE
ATLANTA, GA 30339
800-852-2244

AMERICAN MODERN HOME INSURANCE COMPANY
DBA Name: AMERICAN MODERN INSURANCE COMPANY
P.O. BOX 5323
CINCINNATI, OH 45201-5323
800-543-2644

AMERICAN RELIABLE INSURANCE COMPANY
8655 EAST VIA DE VENTURA
SCOTTSDALE, AZ 85258
800-535-1333

AMERICAN SECURITY INSURANCE COMPANY
260 INTERSTATE NORTH CIRCLE, N.W.
ATLANTA, GA 30339
800-237-4352

AMICA MUTUAL INSURANCE COMPANY
PO BOX 6008
PROVIDENCE, RI 02940-6008
800-992-6422

BALBOA INSURANCE COMPANY
P.O. BOX 19702
IRVINE, CA 92623-9702
800-854-6115

CALIFORNIA CAPITAL INSURANCE COMPANY
FORMERLY: CALIFORNIA MUTUAL INSURANCE COMPANY 12/31/1985
CALMUTUAL INSURANCE COMPANY A STOCK CORPORATION 02/11/1987
VENTURA COUNTY MUT FIRE INS CO 12/31/1965
2300 GARDEN ROAD
MONTEREY, CA 93940
800-682-9255

CALIFORNIA CASUALTY INDEMNITY EXCHANGE (THE)
PO BOX M
SAN MATEO, CA 94402-0080
800-800-9410

CALIFORNIA STATE AUTOMOBILE ASSOCIATION INTER-INSURANCE BUREAU
3055 OAK ROAD, MAIL STOP W280
WALNUT CREEK, CA 94597-2098
800-922-8228

CENTURY-NATIONAL INSURANCE COMPANY
FORMERLY: MEMBERS INSURANCE COMPANY
P.O. BOX 3999
NORTH HOLLYWOOD, CA 91609-0599
800-760-5001

CIVIL SERVICE EMPLOYEES INSURANCE COMPANY
2121 N. CALIFORNIA BLVD., SUITE 989
WALNUT CREEK, CA 94596
800-282-6848

CSE SAFEGUARD INSURANCE COMPANY
50 CALIFORNIA STREET, SUITE 2550
SAN FRANCISCO, CA 94111
800-282-6848

ENCOMPASS INSURANCE COMPANY
3100 SANDERS ROAD, SUITE K4A
NORTHBROOK, IL 60062
800-933-5006

FARMERS INSURANCE EXCHANGE
DBA Name: FARMERS UNDERWRITERS ASSOCIATION
PO BOX 2478 TERMINAL ANNEX
LOS ANGELES, CA 90051-2478

FEDERAL INSURANCE COMPANY
15 MOUNTAIN VIEW ROAD
WARREN, NJ 07061-1615
800-252-4670

FIDELITY NATIONAL INSURANCE COMPANY
FORMERLY: ANZA INSURANCE COMPANY
4905 BELFORD ROAD, SUITE 110
JACKSONVILLE, FL 32256
888-333-2120

FIRST AMERICAN PROPERTY & CASUALTY INSURANCE COMPANY
FORMERLY: GREAT PACIFIC INSURANCE COMPANY
114 EAST 5TH STREET
SANTA ANA, CA 92701
888-922-5343

FIRE INSURANCE EXCHANGE
PO BOX 2478 TERMINAL ANNEX
LOS ANGELES, CA 90051-2478

FIREMAN'S FUND INSURANCE COMPANY
HOME F & MARINE INS. CO OF CA 01/01/1966
HOME MUTUAL INSURANCE COMPANY 12/20/1990
777 SAN MARIN DRIVE
NOVATO, CA 94998
800-527-5787

FIRST AMERICAN SPECIALTY INSURANCE COMPANY
FORMERLY: FIVE STAR INSURANCE COMPANY
114 EAST 5TH STREET
SANTA ANA, CA 92701
888-474-7500

FIRST NATIONAL INSURANCE COMPANY OF AMERICA
175 BERKELEY STREET
BOSTON, MA 02116

FOREMOST INSURANCE COMPANY GRAND RAPIDS, MICHIGAN
PO BOX 2450, LOC 1485
GRAND RAPIDS, MI 49501
800-527-3905

FOREMOST PROPERTY AND CASUALTY INSURANCE COMPANY
FORMERLY: AMERICAN SIGNATURE INSURANCE COMPANY
5230 - 33RD STREET, S.E.
GRAND RAPIDS, MI 49512
800-527-3905

HARTFORD CASUALTY INSURANCE COMPANY
HARTFORD PLAZA, HO-1-09
HARTFORD, CT 06115
800-243-5860

HARTFORD UNDERWRITERS INSURANCE COMPANY
ONE HARTFORD PLAZA
HARTFORD, CT 06155
800-243-5860

HOMESITE INSURANCE COMPANY OF CALIFORNIA
99 BEDFORD STREET
BOSTON, MA 02111
800-466-3748

IDS PROPERTY CASUALTY INSURANCE COMPANY
3500 PACKERLAND DRIVE
DEPERE, WI 54115
800-535-2001

INTERINSURANCE EXCHANGE OF THE AUTOMOBILE CLUB (AAA)
FORMERLY: INTERINSURANCE EXCHANGE OF THE AUTOMOBILE CLUB OF SOUTHERN CALIFORNIA
3333 FAIRVIEW ROAD
COSTA MESA, CA 92626
800-924-6141

KEMPER INDEPENDENCE INSURANCE COMPANY
12926 GRAN BAY PARKWAY WEST
JACKSONVILLE, FL 32258
877-252-7878

MERCURY CASUALTY COMPANY
4484 WILSHIRE BLVD
LOS ANGELES, CA 90010
800-824-6194

MERITPLAN INSURANCE COMPANY
P. O. BOX 19702
IRVINE, CA 92623-9702
888-768-2096

LIBERTY MUTUAL FIRE INSURANCE COMPANY
FORMERLY: UNITED MUT FIRE INS CO 12/15/1949
175 BERKELEY ST
BOSTON, MA 02117-0140
800-262-8238

MID-CENTURY INSURANCE COMPANY
PO BOX 2478 TERMINAL ANNEX
LOS ANGELES, CA 90051-2478
888-425-2467

NATIONWIDE INSURANCE COMPANY OF AMERICA
COUNTRYWIDE INSURANCE COMPANY 07/01/1981
COUNTRYWIDE INSURANCE COMPANY 09/18/1990
SPARTAN INSURANCE COMPANY 04/09/1968
TIG COUNTRYWIDE INSURANCE COMPANY 01/01/1999
TRANSAMERICA COUNTRYWIDE INSURANCE COMPANY 11/27/1984
TRANSAMERICA COUNTRYWIDE INSURANCE COMPANY 09/24/1993
1100 LOCUST STREET
DES MOINES, IA 50391
800-421-3535

NEIGHBORHOOD SPIRIT PROPERTY AND CASUALTY COMPANY
4680 WILSHIRE BOULEVARD
LOS ANGELES, CA 90010
888-441-3228

NEWPORT INSURANCE COMPANY
3349 MICHELSON DRIVE, SUITE 200
IRVINE, CA 92612

PACIFIC SPECIALTY INSURANCE COMPANY
3601 HAVEN AVENUE
MENLO PARK, CA 94025-1033
800-828-3003

RESIDENCE MUTUAL INSURANCE COMPANY
P.O. BOX 6019
AGOURA HILLS, CA 91376-6019
800-234-2103

SAFECO INSURANCE COMPANY OF AMERICA
FORMERLY: SELECTIVE AUTO & F INS CO AMER
175 BERKELEY STREET
BOSTON, MA 02116

SAFECO INSURANCE COMPANY OF ILLINOIS
175 BERKELEY STREET
BOSTON, MA 02116
800-332-3226

STATE FARM GENERAL INSURANCE COMPANY
ONE STATE FARM PLAZA
BLOOMINGTON, IL 61710-0001

TOWER INSURANCE COMPANY OF NEW YORK
DBA Name: TOWER SELECT INSURANCE COMPANY
120 BROADWAY, 14TH FLOOR
NEW YORK, NY 10271
888-856-5522

TRAVELERS COMMERCIAL INSURANCE COMPANY
FORMERLY: AETNA COMMERCIAL INSURANCE COMPANY 07/01/1997
ONE TOWER SQUARE, 4MN
HARTFORD, CT 06183
877-872-8737

TRAVELERS PROPERTY CASUALTY INSURANCE COMPANY
FORMERLY: AETNA INSURANCE COMPANY 07/01/1997
ONE TOWER SQUARE, 4MN
HARTFORD, CT 06183

UNITED SERVICES AUTOMOBILE ASSOCIATION
USAA BLDG.
SAN ANTONIO, TX 78288
800-531-8100

USAA CASUALTY INSURANCE COMPANY
USAA BUILDING
SAN ANTONIO, TX 78288
800-531-8222

WAWANESA GENERAL INSURANCE COMPANY
9050 FRIARS ROAD, SUITE 200
SAN DIEGO, CA 92108-5865
800-640-2920


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