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Renters insurance complaints

694 complaints against 63 renters insurers, from state insurance department records. The regulator found the company at fault in 22.2% of them.

These companies are not graded — here is why

Every A–F grade on this site divides a company's complaints by how much business it writes, so a giant and a small carrier can be compared honestly. Regulators publish that denominator for auto, home, health and life cover — but not for renters insurance. Ranking these companies by complaint count alone would rank them by size, which is exactly what the complaint index exists to avoid.

What the records do support is the outcome: of the complaints filed against a company, how often the department upheld them. That needs no denominator, and it is the column to read below.

694

Complaints on record

154

Found at fault

63

Companies

How often each renters insurer was found at fault

Highest first. Only companies with at least 12 complaints on record appear here — below that a percentage is noise. Rates are pulled toward the renters market average so a company with a dozen complaints cannot outrank one with two hundred.

# Company Complaints Found at fault Most common reason
1 Lemonade Texas 72 39% 28 of 72 Cust Service Claim Handling; Delays (Claims Handling)
2 Auto Club Indemnity Company Texas 16 38% 6 of 16 Cust Service Claim Handling; Delays (Claims Handling)
3 Assurant Texas 105 30% 31 of 105 Cust Service Claim Handling; Delays (Claims Handling)
4 Farmers Texas 19 26% 5 of 19 Cust Service Claim Handling; Delays (Claims Handling)
5 Asi Lloyds Texas 35 23% 8 of 35 Cust Service Claim Handling; Delays (Claims Handling)
6 American Modern Home Insurance Company Texas 25 20% 5 of 25 Cust Service Claim Handling; Delays (Claims Handling)
7 State Farm Texas 106 20% 21 of 106 Cust Service Claim Handling; Delays (Claims Handling)
8 Allstate Texas 59 19% 11 of 59 Denial Of Claim
9 Liberty Mutual Texas 46 17% 8 of 46 Cust Service Claim Handling; Delays (Claims Handling)
10 USAA Texas 43 16% 7 of 43 Cust Service Claim Handling; Delays (Claims Handling)
11 American Family Texas 22 9% 2 of 22 Cust Service Claim Handling; Delays (Claims Handling)
12 Travelers Texas 16 6% 1 of 16 Cust Service Claim Handling; Unsatisfactory Settle/Offer
13 Garrison Property And Casualty Insurance Company Texas 17 0% 0 of 17 Cust Service Claim Handling; Delays (Claims Handling)

What renters insurance complaints are actually about

Reasons as recorded by the department on every renters complaint it closed.

Cust Service Claim Handling; Delays (Claims Handling) 468
Denial Of Claim 307
Delays (Claims Handling) 216
Cust Service Claim Handling; Delays (Claims Handling); Unsatisfactory Settle/Offer 149
Unsatisfactory Settle/Offer 106
Cust Service Claim Handling; Denial Of Claim 105
Cust Service Claim Handling; Unsatisfactory Settle/Offer 81
Delays (Policyholder Service) 70

Every company on record

State Farm 106 complaints 20% upheld
Assurant 105 complaints 30% upheld
Lemonade 72 complaints 39% upheld
Allstate 59 complaints 19% upheld
Liberty Mutual 46 complaints 17% upheld
USAA 43 complaints 16% upheld
Asi Lloyds 35 complaints 23% upheld
American Modern Home Insurance Company 25 complaints 20% upheld
American Family 22 complaints 9% upheld
Farmers 19 complaints 26% upheld
Garrison Property And Casualty Insurance Company 17 complaints 0% upheld
Travelers 16 complaints 6% upheld
Auto Club Indemnity Company 16 complaints 38% upheld
Hippo 10 complaints too few to rate
Starr Indemnity & Liability Company 8 complaints too few to rate
Century-National Insurance Company 7 complaints too few to rate
Voyager Indemnity Insurance Company 6 complaints too few to rate
Ranchers And Farmers Mutual Insurance Company 5 complaints too few to rate
Progressive 5 complaints too few to rate
Toggle Insurance Company 4 complaints too few to rate
Markel American Insurance Company 4 complaints too few to rate
Capitol County Mutual Fire Insurance Company 4 complaints too few to rate
Occidental Fire & Casualty Company Of North Carolina 3 complaints too few to rate
Germania Farm Mutual Insurance Association 3 complaints too few to rate
Farmers Lloyds Insurance Company Of Texas 3 complaints too few to rate
American National Property And Casualty Company 3 complaints too few to rate
Tower Hill Prime Insurance Company 2 complaints too few to rate
Texas Farm Bureau Mutual Insurance Company 2 complaints too few to rate
Praetorian Insurance Company 2 complaints too few to rate
Pennsylvania Manufacturers' Association Insurance Company 2 complaints too few to rate
Nationwide 2 complaints too few to rate
Harco National Insurance Company 2 complaints too few to rate
Chubb 2 complaints too few to rate
Auto Club County Mutual Insurance Company 2 complaints too few to rate
Amica 2 complaints too few to rate
American Modern Property And Casualty Insurance Company 2 complaints too few to rate
American Hallmark Insurance Company Of Texas 2 complaints too few to rate
Yrig Risk Retention Group, Inc. 1 complaints too few to rate
Western Mutual Insurance Company 1 complaints too few to rate
Trisura Insurance Company 1 complaints too few to rate
The Hartford 1 complaints too few to rate
Texas Windstorm Insurance Association 1 complaints too few to rate
State National Insurance Company, Inc. 1 complaints too few to rate
Southern Vanguard Insurance Company 1 complaints too few to rate
Sentinel Insurance Company, Ltd. 1 complaints too few to rate
Safeport Insurance Company 1 complaints too few to rate
Repwest Insurance Company 1 complaints too few to rate
Qbe Specialty Insurance Company 1 complaints too few to rate
New Hampshire Insurance Company 1 complaints too few to rate
National General 1 complaints too few to rate
Multifamily Internet Ventures, Llc 1 complaints too few to rate
Mobilitas Insurance Company 1 complaints too few to rate
Lyndon Southern Insurance Company 1 complaints too few to rate
Incline Casualty Company 1 complaints too few to rate
Hochheim Prairie Farm Mutual Insurance Association 1 complaints too few to rate
Goosehead Insurance Agency, Llc 1 complaints too few to rate
Generali - United States Branch 1 complaints too few to rate
Freedom Insurance Group, Llc 1 complaints too few to rate
Epremium Insurance Agency, Llc 1 complaints too few to rate
Clear Blue Specialty Insurance Company 1 complaints too few to rate
Cimarron Insurance Company, Inc. 1 complaints too few to rate
American Risk Insurance Company, Inc. 1 complaints too few to rate
American Mercury Lloyd's Insurance Company 1 complaints too few to rate

Where these figures come from

Figures cover 2024–2026. Grades are rebuilt when regulators publish new files.

Had a problem with a renters policy?

Complaints go to your state department of insurance, free of charge. A complaint the department upholds is exactly what appears in the figures on this page.

How to file a complaint →