Worst & Best Homeowners Insurance Companies by Complaints

The homeowners insurance segment tracked on PlainInsurer covers 17 companies reporting NAIC Market Conduct Annual Statement data for the 2026 reporting year. Across the ranked set, 2 companies earned a reputation grade of A (very few complaints relative to size), 4 landed in the B tier, and 5 carry an F grade (significantly above-average complaints). Homeowners Insurance complaint ratios differ from other insurance lines because homeowner complaints cluster around claim denials after catastrophic weather events and disputes over depreciation.

Ranking by average complaint ratio, where lower is better, lets consumers see how each insurer performs relative to its peers in the same line, rather than comparing a national auto writer against a regional life insurer. Complaint ratios are normalized by premium volume so that larger insurers are not penalized for writing more policies; the ratio compares complaints received against the share of premiums each company wrote nationally.

Practical takeaway for shoppers: the homeowners insurance ranking is one of several data points that should inform a purchase. It does not capture price, coverage breadth, discount eligibility, local agent quality, or financial strength (which A.M. Best and S&P rate separately). The rankings do show which insurers consistently generate more regulatory complaints per dollar of premium, a meaningful proxy for how disputes are handled when claims go wrong. For line-specific disputes, your state Department of Insurance accepts complaints directly; national context lives in the NAIC complaint database. This page is not financial, legal, or insurance advice, always verify current rates, coverage terms, and carrier availability directly before purchasing.