Home Insurance — Complaint Rankings
17 companies ranked by complaint ratio for home insurance. Higher ratio = more complaints relative to industry average.
The home insurance segment tracked on PlainInsurer covers 17 companies reporting NAIC Market Conduct Annual Statement data for the 2024 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). Home 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. The cleanest record in this table belongs to USAA Homeowners (grade A), which logs the lowest complaint ratio among ranked home insurance writers. At the other end, Heritage Property & Casualty (grade F) posts the highest complaint ratio in this line — not an accusation of wrongdoing, but a signal consumers should weigh when comparing quotes. 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 home 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.
| # | Insurer | Grade | Avg Complaint Ratio | States |
|---|---|---|---|---|
| 1 | Heritage Property & Casualty Heritage | F | 2.98 +198% vs. avg
| 3 |
| 2 | Universal Property & Casualty Universal Insurance | F | 2.87 +187% vs. avg
| 8 |
| 3 | Citizens Property Insurance (FL) FL Citizens | F | 2.43 +143% vs. avg
| 1 |
| 4 | Hippo Insurance Hippo | F | 2.34 +134% vs. avg
| 38 |
| 5 | Tower Hill Insurance Tower Hill | F | 2.12 +112% vs. avg
| 3 |
| 6 | Farmers Property Zurich | D | 1.67 +67% vs. avg
| 38 |
| 7 | Liberty Mutual Homeowners Liberty Mutual | D | 1.43 +43% vs. avg
| 50 |
| 8 | Allstate Property Allstate | C | 1.34 +34% vs. avg
| 47 |
| 9 | AIG Homeowners AIG | C | 1.23 +23% vs. avg
| 50 |
| 10 | Nationwide Property Nationwide | C | 1.12 +12% vs. avg
| 48 |
| 11 | Travelers Property Travelers | C | 0.91 -9% vs. avg
| 49 |
| 12 | American Family Homeowners American Family | B | 0.84 -16% vs. avg
| 19 |
| 13 | Openly Insurance Openly | B | 0.78 -22% vs. avg
| 44 |
| 14 | State Farm Fire & Casualty State Farm | B | 0.72 -28% vs. avg
| 48 |
| 15 | Chubb Property Chubb | B | 0.67 -33% vs. avg
| 50 |
| 16 | Erie Homeowners Erie Indemnity | A | 0.56 -44% vs. avg
| 12 |
| 17 | USAA Homeowners USAA | A | 0.38 -62% vs. avg
| 50 |
Read our methodology — how this data is sourced, computed, and verified.