Reputation grade
C
Peer-relative, A–F
Insurer profile · AIG · NAIC + CMS
AIG Homeowners
AIG Homeowners's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.
- C
- Reputation grade
- 1.23
- Complaint index
- 50
- States active
The verdict
AIG Homeowners earns a C reputation grade - a record near the industry median, according to the NAIC's published complaint index, its ratio runs 1.23, above the 1.0 market average.
- C
- reputation grade
- 1.23
- NAIC complaint index
Grades are peer-relative within PlainInsurer's dataset. A high complaint ratio is not proof of wrongdoing, larger insurers draw more complaints by volume, which the index normalises.
NAIC complaint index
1.23
1.0 = market average; lower is better
Est. complaint volume
~7,517
across 50 states, index-derived
Reputation grade C (composite score 50.8) - A=Excellent, F=Failing. Based on NAIC complaint ratios and CMS denial data.
Where AIG Homeowners sits on complaints
NAIC complaint index vs the market average and the dataset range (1.0 = market average; lower is better)
- Best in data 0.23
Lowest complaint index in PlainInsurer's dataset: 0.23
0.23 complaint index
- Market avg 1
Market average complaint index = 1.0 (NAIC benchmark)
1 complaint index
- AIG Homeowners 1.23
AIG Homeowners: complaint index 1.23
1.23 complaint index
- Worst in data
Highest complaint index in PlainInsurer's dataset: 3.87
3.87 complaint index
What this shows AIG Homeowners's complaint index of 1.23 is 23% above the 1.0 market average for a carrier of its size.
AIG Homeowners vs. the full rated-insurer dataset
Complaint index across all rated insurers, bucketed (100% = market average)
123% 39th percentile more affordable than 39% of 72 rated insurers
Each bar is a band; taller bars hold more rated insurers. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source NAIC published complaint index (2024) · 2024
Scale vs. complaint-adjusted score
Each point is a rated insurer, placed by raw complaint count and its size-normalized composite score (lower is better). Complaint counts rise with scale on their own, this shows whether AIG Homeowners's score tracks its volume or beats it.
NAIC complaint counts and PlainInsurer composite scores (2024), 72 rated insurers
Complaint record by line of business
| Line | Est. complaints | Complaint index | States active |
|---|---|---|---|
| Home Insurance | ~7,517 | 1.23 | 50 |
What the data shows for AIG Homeowners
According to PlainInsurer's dataset, AIG Homeowners has a lower (better) NAIC complaint index than 39% of the 72 rated insurers it tracks and ranks #9 of 17 carriers by complaint ratio in Home Insurance.
AIG Homeowners, part of AIG, carries a C reputation grade in PlainInsurer's dataset, with a composite score of 50.8 (higher means more consumer friction relative to size). Its NAIC complaint index of 1.23 sits above the 1.0 market average, meaning policyholders escalate more disputes to regulators than is typical for a carrier of its premium volume.
AIG Homeowners does not appear in the CMS marketplace claim-denial file, which covers individual-market health issuers, common for auto, home and life carriers. The carrier reports activity across 1 line of business.
In short: complaint and denial data show how AIG Homeowners compares to peers, not what your own claim experience will be. Weigh price, coverage terms and state licensing before any purchase. Source: NAIC Consumer Information Source complaint data (2024). Reputation grade computed by PlainInsurer from public NAIC data, see methodology.
Separately from PlainInsurer's own complaint-based grade, AIG Homeowners carries an A.M. Best Financial Strength Rating of A (Excellent) as of November 2025, a measure of the insurer's ability to pay claims, not a complaint or service-quality score. Source: AM Best.
Use this data wisely. Complaint and denial figures reflect regulatory filings, not individual claim outcomes. A high complaint ratio is not proof of illegal behaviour. This page is informational and is not financial, legal, or insurance advice, verify coverage decisions with your insurer or a licensed agent.
Other C-graded carriers in PlainInsurer's dataset include Liberty Mutual and Aetna (CVS Health), and the closest overall composite score to AIG Homeowners's 50.8 belongs to McLaren Health Plan Community (50.8).
Other C-graded insurers
Carriers with the same peer-relative reputation grade
| Insurer | Grade |
|---|---|
| Liberty Mutual | C |
| Aetna (CVS Health) | C |
| Allstate Property | C |
| Allstate Insurance | C |
| Transamerica Life | C |
Closest composite score to AIG Homeowners
Carriers with the nearest overall composite score (50.8)
| Insurer | Composite score |
|---|---|
| McLaren Health Plan Community | 50.8 |
| Molina Healthcare | 50.4 |
| BridgeSpan Health Company | 50.3 |
| Blue Cross and Blue Shield of Nebraska | 51.4 |
Frequently asked questions
What does AIG Homeowners's grade mean?
AIG Homeowners received a grade of C, indicating a record near the industry median. PlainInsurer grades insurers on a curve relative to the ~200 carriers in our dataset, using the NAIC complaint index (normalized by premium volume) and Medicare Advantage prior-authorization data where available.
How many complaints does AIG Homeowners have?
PlainInsurer estimates AIG Homeowners's complaint volume at roughly 7,517 across 50 states, derived from its published NAIC complaint index and market footprint (NAIC does not release exact per-company complaint counts via public bulk data). Raw counts favour smaller insurers, PlainInsurer uses the complaint index itself (complaints relative to premium volume, where 1.0 is the market average) to compare carriers fairly.
How do I file a complaint against AIG Homeowners?
Contact your state's Department of Insurance, most accept complaints online, by phone, or by mail. The NAIC also runs a central portal at naic.org. Document your policy number, claim number, dates, and the issue before filing.
Is AIG Homeowners a good insurance company?
It depends on your coverage needs, state, and budget. PlainInsurer's C grade reflects a record near the industry median relative to peers. Always compare quotes from multiple carriers and check complaint data for your specific state and line of coverage.
What types of insurance does AIG Homeowners offer?
Based on NAIC filing data, AIG Homeowners reports activity in 1 line of business: Home Insurance. Availability varies by state.
What to do with this
How to act on AIG Homeowners's complaint and denial record.
- Compare this carrier side-by-side with another before you buy. Compare insurers
- See how every insurer in your state ranks on complaints and denials. Browse by state
- Understand how the complaint index compares carriers fairly. Read the guide
Complaint ratios normalise by premium volume so larger carriers are not penalised for writing more policies.
Verify AIG Homeowners
AIG Homeowners is filed with the NAIC under company number 19402. Search that number directly in the NAIC's own public consumer-information tool to cross-check this page against the primary source.
Verify on NAIC Consumer Information SourceSource: NAIC published complaint index data Complaint index, reputation grade for AIG Homeowners · 2024 NAIC complaint index aggregates state-DOI consumer complaints, normalized against premium volume (1.0 = market average). Denial rates from CMS Transparency in Coverage PY2025. Reputation grade is PlainInsurer's peer-relative methodology applied to this public data.
Download the data behind this page
The full PlainInsurer extract, covering every insurer including AIG Homeowners, is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.
Data: NAIC published complaint index (2024). Not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-07-28. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.