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2006 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 2006 Total Number of Homeowners Policies for 2006 Complaint Index
AIG ADVANTAGE INSURANCE COMPANY 0 2,806 0.00
ALLSTATE COUNTY MUTUAL INSURANCE COMPANY 8 19,288 2.50
ALLSTATE FIRE AND CASUALTY INSURANCE COMPANY 0 1,906 0.00
ALLSTATE INSURANCE COMPANY 11 88,455 0.75
ALLSTATE TEXAS LLOYD'S 288 797,442 2.18
AMERICA FIRST INSURANCE COMPANY 0 2,679 0.00
AMERICA FIRST LLOYD'S INSURANCE COMPANY 0 3,476 0.00
AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA 4 849 28.45
AMERICAN ECONOMY INSURANCE COMPANY 0 85 0.00
AMERICAN MERCURY LLOYD'S INSURANCE COMPANY 0 693 0.00
AMERICAN MODERN HOME INSURANCE COMPANY 1 2,893 2.09
AMERICAN MODERN LLOYD'S INSURANCE COMPANY 1 27,490 0.22
AMERICAN NATIONAL LLOYDS INSURANCE COMPANY 3 28,072 0.65
AMERICAN NATIONAL PROPERTY AND CASUALTY COMPANY 0 110 0.00
AMERICAN RELIABLE INSURANCE COMPANY 2 798 15.14
AMERICAN SECURITY INSURANCE COMPANY 0 1,425 0.00
AMERICAN STANDARD LLOYD'S INSURANCE COMPANY 0 7,599 0.00
AMERICAN STATES INSURANCE COMPANY 0 1,339 0.00
AMERICAN STATES INSURANCE COMPANY OF TEXAS 0 265 0.00
AMERICAN STATES LLOYDS INSURANCE COMPANY 0 744 0.00
AMEX ASSURANCE COMPANY 0 261 0.00
AMICA LLOYD'S OF TEXAS 3 31,169 0.58
APEX LLOYDS INSURANCE COMPANY 0 1,480 0.00
ARMED FORCES INSURANCE EXCHANGE 3 5,655 3.20
ASI LLOYDS 6 70,910 0.51
ASSOCIATED INDEMNITY CORPORATION 0 1 0.00
AUSTIN INDEMNITY LLOYDS INSURANCE COMPANY 2 5,073 2.38
AUTO CLUB INDEMNITY COMPANY 1 21,764 0.28
BALBOA INSURANCE COMPANY 10 37,185 1.62
BEACON LLOYDS INSURANCE COMPANY 1 17,469 0.35
BEACON NATIONAL INSURANCE COMPANY 1 4,803 1.26
BITUMINOUS CASUALTY CORPORATION 0 100 0.00
CAPITOL COUNTY MUTUAL FIRE INSURANCE COMPANY 118 139,670 5.10
CENTRAL MUTUAL INSURANCE COMPANY 1 16,039 0.38
CHUBB LLOYDS INSURANCE COMPANY OF TEXAS 0 22,937 0.00
CHURCH MUTUAL INSURANCE COMPANY 0 733 0.00
CMI LLOYDS 0 5 0.00
COLONIAL LLOYDS 8 47,282 1.02
CONSOLIDATED LLOYDS 0 185 0.00
CYPRESS TEXAS LLOYDS 9 54,049 1.01
DALLAS NATIONAL INSURANCE COMPANY, A TEXAS STOCK INSURANCE COMPANY 1 3,336 1.81
DELTA LLOYDS INSURANCE COMPANY OF HOUSTON, TEXAS 1 28,679 0.21
ELECTRIC INSURANCE COMPANY 1 95 63.57
ELECTRIC LLOYD'S OF TEXAS 0 419 0.00
ENCOMPASS HOME AND AUTO INSURANCE COMPANY 2 14,384 0.84
ENCOMPASS INDEMNITY COMPANY 2 4,107 2.94
FAIRMONT SPECIALTY INSURANCE COMPANY 0 17 0.00
FAIRMONT SPECIALTY LLOYDS 0 54 0.00
FARMERS INSURANCE EXCHANGE 49 238,499 1.24
FIDELITY AND DEPOSIT COMPANY OF MARYLAND 0 2 0.00
FIDELITY NATIONAL INDEMNITY INSURANCE COMPANY 1 17,427 0.35
FIRE INSURANCE EXCHANGE 54 266,519 1.22
FIRST NATIONAL INSURANCE COMPANY OF AMERICA 0 1,646 0.00
FOREMOST LLOYDS OF TEXAS 10 106,888 0.57
GENERAL INSURANCE COMPANY OF AMERICA 2 92 131.29
GEOVERA INSURANCE COMPANY 0 5,283 0.00
GERMANIA FARM MUTUAL INSURANCE ASSOCIATION 10 201,260 0.30
GERMANIA INSURANCE COMPANY 2 4,232 2.85
GREAT AMERICAN ALLIANCE INSURANCE COMPANY 0 26 0.00
GREAT AMERICAN ASSURANCE COMPANY 0 459 0.00
GREAT AMERICAN INSURANCE COMPANY 0 43 0.00
GREAT AMERICAN INSURANCE COMPANY OF NEW YORK 1 235 25.70
GREAT AMERICAN LLOYD'S INSURANCE COMPANY 0 4 0.00
HANOVER LLOYD'S INSURANCE COMPANY 0 1 0.00
HARTFORD CASUALTY INSURANCE COMPANY 0 1 0.00
HARTFORD INSURANCE COMPANY OF THE MIDWEST 2 1 12,078.42
HARTFORD LLOYD'S INSURANCE COMPANY 5 31,438 0.96
HARTFORD UNDERWRITERS INSURANCE COMPANY 0 1 0.00
HOCHHEIM PRAIRIE FARM MUTUAL INSURANCE ASSOCIATION 3 120,384 0.15
HORACE MANN LLOYDS 4 10,364 2.33
HOUSTON GENERAL INSURANCE EXCHANGE 0 51 0.00
IDS PROPERTY CASUALTY INSURANCE COMPANY 0 1,373 0.00
INSURANCE COMPANY OF THE STATE OF PENNSYLVANIA, THE 0 6 0.00
INTERINSURANCE EXCHANGE OF THE AUTOMOBILE CLUB 4 13,358 1.81
LIBERTY LLOYDS OF TEXAS INSURANCE COMPANY 8 57,190 0.84
LIBERTY MUTUAL FIRE INSURANCE COMPANY 1 19,917 0.30
LINCOLN GENERAL INSURANCE COMPANY 4 11,383 2.12
LOYA INSURANCE COMPANY 1 4,571 1.32
LUMBERMEN'S UNDERWRITERS 0 11 0.00
MERITPLAN INSURANCE COMPANY 0 14,831 0.00
METROPOLITAN LLOYDS INSURANCE COMPANY OF TEXAS 12 20,832 3.48
MID-CENTURY INSURANCE COMPANY 0 1,227 0.00
MIDDLE STATES INSURANCE COMPANY, INC. 0 33 0.00
NATIONAL AMERICAN INSURANCE COMPANY 1 1,641 3.68
NATIONAL LLOYDS INSURANCE COMPANY 23 283,690 0.49
NATIONAL SPECIALTY INSURANCE COMPANY 4 33,878 0.71
NATIONWIDE LLOYDS 16 109,129 0.89
NATIONWIDE PROPERTY AND CASUALTY INSURANCE COMPANY 4 67,859 0.36
NEW CENTURY LLOYDS 0 574 0.00
NEWPORT E&S INSURANCE COMPANY 1 4,408 1.37
PACIFIC SPECIALTY INSURANCE COMPANY 1 1,962 3.08
PRIORITY ONE INSURANCE COMPANY 1 6,296 0.96
PROPERTY AND CASUALTY INSURANCE COMPANY OF HARTFORD 1 13,821 0.44
R.V.O.S. FARM MUTUAL INSURANCE COMPANY 20 78,423 1.54
RANCHERS AND FARMERS INSURANCE COMPANY 3 10,439 1.74
RANCHERS AND FARMERS MUTUAL INSURANCE COMPANY 9 383,768 0.14
REPUBLIC LLOYDS 11 85,955 0.77
SAFECO INSURANCE COMPANY OF INDIANA 0 20,996 0.00
SAFECO LLOYDS INSURANCE COMPANY 5 48,315 0.62
SENTINEL INSURANCE COMPANY, LTD. 0 22,005 0.00
SENTRY INSURANCE A MUTUAL COMPANY 0 741 0.00
SLAVONIC MUTUAL FIRE INSURANCE ASSOCIATION 1 4,751 1.27
SOMPO JAPAN INSURANCE COMPANY OF AMERICA 0 20 0.00
SOUTHERN COUNTY MUTUAL INSURANCE COMPANY 1 9 671.02
SOUTHERN VANGUARD INSURANCE COMPANY 2 30,778 0.39
SOUTHLAND LLOYD'S INSURANCE COMPANY 1 2,907 2.08
STATE FARM GENERAL INSURANCE COMPANY 1 15,026 0.40
STATE FARM LLOYDS 130 1,127,705 0.70
STATE NATIONAL INSURANCE COMPANY, INC. 0 7 0.00
STONINGTON LLOYDS INSURANCE COMPANY 1 14,155 0.43
TEXAS FAIR PLAN ASSOCIATION 17 81,546 1.26
TEXAS FARM BUREAU UNDERWRITERS 6 163,834 0.22
TEXAS FARMERS INSURANCE COMPANY 15 139,787 0.65
TEXAS HERITAGE INSURANCE COMPANY 0 5,355 0.00
TRAVELERS LLOYDS OF TEXAS INSURANCE COMPANY 53 235,950 1.36
TRAVELERS PERSONAL SECURITY INSURANCE COMPANY 0 2,332 0.00
TRINITY LLOYD'S INSURANCE COMPANY 1 12,044 0.50
TRINITY UNIVERSAL INSURANCE COMPANY 2 12,415 0.97
TRUCK INSURANCE EXCHANGE 0 6,446 0.00
TWIN CITY FIRE INSURANCE COMPANY 0 3 0.00
U S LLOYDS INSURANCE COMPANY 4 11,077 2.18
UNITED FIRE LLOYDS 2 2,107 5.73
UNITED SERVICES AUTOMOBILE ASSOCIATION 6 215,527 0.17
UNITRIN AUTO AND HOME INSURANCE COMPANY 0 1 0.00
UNITRIN PREFERRED INSURANCE COMPANY 0 6,342 0.00
USAA TEXAS LLOYD'S COMPANY 5 163,883 0.18
WELLINGTON INSURANCE COMPANY 4 23,950 1.01
Total 1,013 6,117,720 1.00

Return to Complaint Index



For more information contact: ConsumerProtection@tdi.state.tx.us

Last updated: 04/03/2007