17 tracked homeowners insurance carriers ranked by NAIC complaint index (higher = more regulator-confirmed complaints relative to premium volume). Median for this line: 1.23.
Homeowners Insurance · NAIC MCAS 2026
Homeowners Insurance: 17 tracked carriers, median complaint index 1.23; Heritage Property & Casualty leads the high end at 2.98, USAA Homeowners the low end at 0.38.
Registry facts from retained NAIC extracts, not a buy/sell recommendation.
Spread: index 0.38–2.98 · IQR 1.34 · 10/17 above 1.0.
125 groups in the retained homeowners market-share release report a loss ratio. Observed range 13.5–152.8 (mean 56.3). Loss ratio is incurred losses ÷ earned premium - a different NAIC field from complaint index.
Named endpoints
Among 17 homeowners insurance carriers with a ratio, Heritage Property & Casualty posts the highest NAIC complaint index (2.98, ~2.4× the line median of 1.23). USAA Homeowners posts the lowest (0.38, about 69% below the median). Endpoints identify the range of the retained MCAS set; they are not purchase recommendations.
Complaint-index span
The 17 homeowners insurance carriers with ratios span 0.38–2.98 around a median of 1.23. The top of the table is about 2.4× the median - elevated, but not the widest gap among PlainInsurer's four tracked lines.
Reputation-grade mix
Grade counts for this homeowners insurance set: A 2, B 4, C 4, D 2, F 5 (n=17). Neither A nor F dominates, so the median complaint index and the ranked table carry more information than the letter mix alone.
Homeowners source shape
Homeowners complaint indexes on this page come from NAIC MCAS company rows. Separately, the retained homeowners market-share release ranks groups by direct written premium and reports loss ratios for many rows - a size-and-loss context the complaint index does not encode. Cross-walk names carefully: group premium leaders are not always the same legal entity as an MCAS filer.
Group written-premium ranks from the retained NAIC market-share release: size context separate from the company complaint-index table. Top five groups: 45.6%. Full market-share research →
| # | Group | Market share |
|---|---|---|
| 1 | State Farm Group | 18.17% |
| 2 | Allstate Insurance Group | 8.95% |
| 3 | United Services Automobile Association Group | 6.88% |
| 4 | Liberty Mutual Group | 6.13% |
| 5 | Farmers Insurance Group | 5.50% |
| 6 | American Family Insurance Group | 4.98% |
| 7 | Travelers Group | 4.71% |
| 8 | Chubb Ltd. Group | 2.54% |
| # | Insurer | Grade | Complaint index | 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 |
Data: NAIC MCAS 2026. Sorted by average complaint ratio (highest first).
Among the 17 homeowners insurance carriers PlainInsurer tracks with a ratio, Heritage Property & Casualty posts the highest index (2.98; line median 1.23). The index normalizes complaints by premium share; it is not a claim-denial rate.
USAA Homeowners posts the lowest index among tracked homeowners insurance carriers (0.38 vs median 1.23). A low index means fewer regulator-confirmed complaints relative to premium volume in the MCAS extract, not a price or coverage rating.
In the 2024 market-share release, the five largest groups account for 45.6% of written premium; the largest named group is State Farm Group at 18.2%. Group premium share and company complaint index use different NAIC extracts.
Read our methodology - how this data is sourced, computed, and verified.