Texas · Homeowners insurance · 2025

Texas homeowners insurance complaint index, 2025

The company rows the Texas Department of Insurance published for 2025 add up to 1,153 confirmed homeowners complaints and 9,069,561 homeowners policies in force. Of the 84 companies with at least 10,000 policies and a published index, 55 had fewer confirmed complaints than average for their size, 29 had more.

How to read the Texas complaint index

The Texas Department of Insurance divides a company's share of confirmed complaints for a line of insurance by its share of policies in force for that line. The average is 1.00. Below 1 means fewer confirmed complaints than average for the company's size, above 1 means more. For small companies one or two complaints can move the index a lot, so ranking tables here include only companies with at least 10,000 policies.


Foremost Insurance Company Grand Rapids, Michigan	0.00	0	73,459
Liberty Mutual Insurance Company	0.00	0	52,924
Southern Vanguard Insurance Company	0.00	0	49,955
Hochheim Prairie Farm Mutual Insurance Association	0.00	0	46,854
Toggle Insurance Company	0.00	0	41,248
QBE Insurance Corporation	0.00	0	35,856
R.V.O.S. Farm Mutual Insurance Company	0.00	0	32,868
Orion 180 Insurance Company	0.00	0	31,443
SAFECO Insurance Company of America	0.00	0	28,076
Progressive Casualty Insurance Company	0.00	0	24,020
Columbia Lloyds Insurance Company	0.00	0	22,799
Kin Interinsurance Nexus Exchange	0.00	0	19,546
Western Mutual Insurance Company	0.00	0	15,441
Aegis Security Insurance Company	0.00	0	11,743
Obsidian Insurance Company	0.00	0	11,192
American Modern Home Insurance Company	0.07	1	107,729
Trisura Insurance Company	0.16	1	50,744
Benchmark Insurance Company	0.18	1	43,833
American Bankers Insurance Company of Florida	0.26	9	274,098
American Security Insurance Company	0.33	3	71,572
Century-National Insurance Company	0.33	1	23,944
Safeport Insurance Company	0.35	1	22,623
Texas Farm Bureau Mutual Insurance Company	0.36	7	152,633
Travelers Lloyds of Texas Insurance Company	0.38	1	20,439
Foremost Lloyds of Texas	0.39	5	100,631
Safepoint Insurance Company	0.39	1	20,020
Texas Windstorm Insurance Association	0.41	12	231,038
American Modern Property and Casualty Insurance Company	0.41	4	77,675
Woodlands Insurance Company, the	0.41	1	19,412
Tower Hill Prime Insurance Company	0.41	1	19,332
Lemonade Insurance Company	0.42	19	353,084
Aventus Insurance Company	0.43	2	36,662
Allied Trust Insurance Company	0.44	2	35,641
One Alliance North America Insurance Company	0.45	1	17,676
Economy Preferred Insurance Company	0.46	2	33,987
Texas FAIR Plan Association	0.49	8	127,835
Capitol County Mutual Fire Insurance Company	0.49	2	32,169
Homesite Indemnity Company	0.50	1	15,727
Spinnaker Insurance Company	0.51	7	107,409
Amica Mutual Insurance Company	0.51	3	46,485
Texas Farmers Insurance Company	0.52	15	226,345
Travelers Home and Marine Insurance Company, the	0.53	2	29,435
Mid-Century Insurance Company of Texas	0.57	18	249,561
Texas Farm Bureau Underwriters	0.63	3	37,254
American Summit Insurance Company	0.67	1	11,778
Evanston Insurance Company	0.67	1	11,725
Trisura Specialty Insurance Company	0.67	1	11,723
United Services Automobile Association	0.69	24	272,482
Germania Farm Mutual Insurance Association	0.71	13	144,509
ASI Lloyds	0.74	36	382,938
Chubb Lloyds Insurance Company of Texas	0.75	2	20,839
Fire Insurance Exchange	0.83	2	18,865
USAA Casualty Insurance Company	0.87	28	254,542
Underwriters At Lloyd's, London	0.91	4	34,677
Palomar Specialty Insurance Company	0.98	3	24,177
Allstate Texas Lloyd's	1.03	14	107,313
Homesite Lloyd's of Texas	1.03	7	53,351
Auto Club Indemnity Company	1.04	24	182,171
Travelers Personal Insurance Company	1.06	37	273,512
USAA General Indemnity Company	1.13	29	201,508
Mercury Insurance Company of Texas	1.14	12	82,780
Standard Casualty Company	1.21	3	19,581
Hartford Insurance Company of the Southeast	1.26	4	24,892
Occidental Fire & Casualty Company of North Carolina	1.27	6	37,017
Garrison Property and Casualty Insurance Company	1.28	27	165,880
Allstate Indemnity Company	1.28	20	122,547
State Farm Lloyds	1.34	250	1,468,920
SAFECO Insurance Company of Indiana	1.36	24	138,791
Allstate Fire and Casualty Insurance Company	1.36	5	28,917
Nationwide Mutual Insurance Company	1.53	13	66,868
Allstate Vehicle and Property Insurance Company	1.61	171	833,407
Agricultural Workers Mutual Auto Insurance Company	1.64	3	14,363
Ms Transverse Insurance Company	1.70	3	13,864
Homesite Insurance Company	1.74	65	293,976
Hartford Accident and Indemnity Company	1.89	3	12,512
Privilege Underwriters Reciprocal Exchange	1.97	3	11,995
Ranchers and Farmers Mutual Insurance Company	2.07	31	117,632
Liberty Insurance Corporation	2.33	6	20,247
American Economy Insurance Company	2.36	42	140,112
Triassic Insurance Company	2.72	8	23,107
Liberty Mutual Personal Insurance Company	3.30	20	47,655
Farmers Lloyds Insurance Company of Texas	4.01	6	11,780
Encompass Independent Insurance Company	4.99	7	11,044
Praetorian Insurance Company	6.97	21	23,688

Sorted from lowest to highest index. Select a heading to sort. Companies are listed by legal name as filed, and one insurance group can have several companies.

Other years: 2024

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.