Privilege Underwriters Reciprocal Exchange complaints

Privilege Underwriters Reciprocal Exchange does not write enough business in the states we hold records for to be graded fairly. Small books produce complaint counts that are mostly chance, so the figures below are published without a letter rather than with a misleading one.

By type of insurance

Coverage Grade Complaint index Complaints Business written
Auto insurance
0.89 11% below market raw 0.65
3
Homeowners insurance
1.12 1.1× the market rate raw 1.60
4 24,011
All lines
1.00 about market average
7

What people complain about Privilege Underwriters Reciprocal Exchange for

Reasons as recorded by the regulator on complaints it confirmed. A complaint is "confirmed" when the department found the company was at fault — not merely that someone was unhappy.

Cust Service Claim Handling; Delays (Claims Handling); Unsatisfactory Settle/Offer 2
Unsatisfactory Settle/Offer 1
Refund Of Premium 1
Premium and Rating; Refund Of Premium 1
Premium Notice; Premium and Rating 1
Delays (Policyholder Service) 1
Delays (Claims Handling) 1
Cust Service Claim Handling; Delays (Claims Handling) 1

Privilege Underwriters Reciprocal Exchange state by state

Insurance is regulated state by state, and a company's record can differ sharply between them. Each grade below is relative to that state's own market.

State Grade Complaint index Complaints Most common reason
New York
1.04 about market average raw 1.18
3
Texas
0.96 about market average raw 0.88
4 Cust Service Claim Handling; Delays (Claims Handling); Unsatisfactory Settle/Offer

How to file a complaint against Privilege Underwriters Reciprocal Exchange

Complaints are filed with your state department of insurance, not with us and not with the company. It is free, it is handled by a regulator with authority over the insurer's licence, and a complaint the department confirms is exactly what produces the numbers on this page next year.

Find your state's complaint form →

Licensed companies included in these figures

Published so the grouping can be checked. NAIC codes are the identifiers regulators use, and are the basis on which these entities were matched.

Where these figures come from

Figures cover 2023–2025. Grades are rebuilt when regulators publish new files.