California · Homeowners · 2026 study
California homeowners insurance complaints by company, 2026 study
The California Department of Insurance's 2026 study ranks the 50 largest homeowners insurers by their 2025 justified complaint ratio, with 2024 and 2023 for comparison. Rank 1 has the lowest ratio.
How to read the California complaint study
The California Department of Insurance ranks large insurers by justified complaints per 100,000 earned exposures (auto and homeowners) or per 100,000 mean policies in force (individual life). CDI counts a complaint as justified under the definitions in California Insurance Code section 12921.1. The study covers the top 50 companies in each line and counts complaints closed in each year.
| 1 | Integon National Insurance Company | 0.0 | 3.1 | 4.8 | 0 | 2 | 4 | 64,430 |
| 2 | American Modern Home Insurance Company | 0.0 | 1.9 | 3.8 | 0 | 1 | 2 | 61,767 |
| 3 | American Security Insurance Company | 0.7 | 0.0 | 3.3 | 1 | 0 | 3 | 146,142 |
| 4 | United Services Automobile Association | 0.9 | 1.3 | 1.3 | 2 | 3 | 3 | 230,806 |
| 5 | California Automobile Insurance Company | 0.9 | 2.8 | 5.2 | 7 | 19 | 33 | 743,406 |
| 6 | CSAA Fire & Casualty Insurance Company | 1.0 | 1.1 | 5.2 | 1 | 1 | 4 | 100,695 |
| 7 | Nationwide Mutual Insurance Company | 1.0 | 2.6 | 2.2 | 2 | 6 | 6 | 192,123 |
| 8 | CSAA Insurance Exchange | 1.1 | 4.6 | 8.1 | 8 | 31 | 51 | 714,919 |
| 9 | American National Property and Casualty Company | 1.3 | 3.8 | 0.0 | 1 | 4 | 0 | 79,211 |
| 10 | Garrison Property and Casualty Insurance Company | 1.4 | 1.5 | 1.5 | 2 | 2 | 2 | 141,444 |
| 11 | Markel American Insurance Company | 1.4 | 0.0 | 0.0 | 1 | 0 | 0 | 69,860 |
| 12 | California Capital Insurance Company | 1.5 | 5.8 | 2.9 | 1 | 4 | 2 | 66,007 |
| 13 | Spinnaker Insurance Company | 1.6 | 45.4 | 11.4 | 3 | 73 | 16 | 182,086 |
| 14 | Db Insurance Co., Ltd. (U.S. Branch) | 1.9 | 0.0 | 9.2 | 2 | 0 | 3 | 107,152 |
| 15 | General Insurance Company of America | 1.9 | 7.2 | 6.7 | 3 | 14 | 14 | 155,050 |
| 16 | Homesite Insurance Company of California | 1.9 | 3.9 | 2.6 | 5 | 10 | 6 | 258,071 |
| 17 | American Modern Property and Casualty Insurance Company | 2.0 | 10.4 | 22.3 | 2 | 11 | 23 | 102,387 |
| 18 | California Casualty Indemnity Exchange (The) | 2.1 | 3.6 | 16.6 | 1 | 2 | 10 | 48,731 |
| 19 | Foremost Insurance Company Grand Rapids, Michigan | 2.1 | 6.2 | 5.6 | 5 | 14 | 15 | 235,752 |
| 20 | Standard Fire Insurance Company (The) | 2.2 | 5.6 | 5.6 | 6 | 17 | 18 | 276,628 |
| 21 | Wawanesa General Insurance Company | 2.2 | 0.0 | 2.1 | 1 | 0 | 1 | 45,995 |
| 22 | Seaview Insurance Company | 2.2 | 3.0 | 10.5 | 2 | 2 | 3 | 91,200 |
| 23 | Interinsurance Exchange of the Automobile Club | 2.3 | 1.9 | 1.2 | 22 | 18 | 11 | 964,454 |
| 24 | USAA General Indemnity Company | 2.3 | 0.6 | 1.4 | 4 | 1 | 2 | 174,573 |
| 25 | QBE Insurance Corporation | 2.4 | 5.1 | 15.7 | 1 | 2 | 7 | 42,391 |
| 26 | American Family Connect Property and Casualty Insurance Company | 2.4 | 7.1 | 5.0 | 2 | 8 | 6 | 84,611 |
| 27 | Property and Casualty Insurance Company of Hartford | 2.6 | 9.2 | 6.5 | 1 | 4 | 3 | 38,701 |
| 28 | Allstate Insurance Company | 2.8 | 4.5 | 2.8 | 19 | 31 | 20 | 682,166 |
| 29 | American Bankers Insurance Company of Florida | 3.3 | 5.1 | 6.1 | 11 | 14 | 15 | 329,612 |
| 30 | USAA Casualty Insurance Company | 4.0 | 3.5 | 1.6 | 10 | 9 | 4 | 251,190 |
| 31 | Residence Mutual Insurance Company | 4.0 | 18.5 | 6.1 | 2 | 9 | 3 | 49,510 |
| 32 | Praetorian Insurance Company | 4.1 | 2.5 | 0.0 | 2 | 1 | 0 | 48,450 |
| 33 | Safeco Insurance Company of Illinois | 4.2 | 7.1 | 8.5 | 2 | 4 | 5 | 47,957 |
| 34 | Sutton National Insurance Company | 4.3 | 2.0 | 8.7 | 12 | 4 | 7 | 281,016 |
| 35 | Stillwater Insurance Company | 4.6 | 3.2 | 4.6 | 4 | 3 | 5 | 87,810 |
| 36 | Century-National Insurance Company | 4.7 | 2.6 | 2.4 | 2 | 1 | 1 | 42,877 |
| 37 | First National Insurance Company of America | 4.7 | 2.4 | 4.0 | 3 | 2 | 4 | 63,766 |
| 38 | Safeco Insurance Company of America | 4.8 | 5.2 | 3.3 | 11 | 15 | 10 | 227,693 |
| 39 | Fire Insurance Exchange | 4.9 | 22.7 | 7.8 | 34 | 176 | 68 | 687,570 |
| 40 | Universal North America Insurance Company | 5.1 | 5.7 | 2.6 | 2 | 2 | 1 | 39,521 |
| 41 | Homesite Insurance Company of the Midwest | 5.4 | 7.8 | 14.8 | 9 | 8 | 10 | 165,281 |
| 42 | State Farm General Insurance Company | 6.1 | 11.9 | 1.6 | 118 | 254 | 37 | 1,949,806 |
| 43 | Lemonade Insurance Company | 6.3 | 20.7 | 11.7 | 27 | 80 | 41 | 430,992 |
| 44 | ASI Select Insurance Corp | 8.4 | 38.2 | 11.9 | 5 | 22 | 8 | 59,220 |
| 45 | Farmers Insurance Exchange | 9.6 | 40.2 | 24.0 | 47 | 177 | 105 | 488,524 |
| 46 | Response Indemnity Company of California | 9.8 | 5.2 | 0.0 | 4 | 2 | 0 | 40,621 |
| 47 | Liberty Insurance Corporation | 12.8 | 36.7 | 3.0 | 22 | 78 | 7 | 171,408 |
| 48 | Mid-Century Insurance Company | 14.0 | 51.4 | 31.8 | 24 | 96 | 66 | 171,698 |
| 49 | Amica Mutual Insurance Company | 15.8 | 23.3 | 2.7 | 7 | 10 | 1 | 44,209 |
| 50 | Pacific Specialty Insurance Company | 22.8 | 9.6 | 6.2 | 38 | 18 | 13 | 166,812 |
Select a heading to sort. Names are as the regulator printed them. Linked companies also appear in other regulators' data on this site.
Sources
Checked 29 October 2026. Complaint records show only complaints filed with the regulator. They are one signal among many and do not rate claims handling, price or financial strength.