Which umbrella insurance company gets the most complaints?

State Farm recorded the most umbrella complaints in these records, with 9. A larger insurer will normally collect more complaints, which is why the table also shows how often each company was actually found at fault.

Why is there no A–F grade on this page?

A grade needs a denominator — how much business each company writes — so a large insurer and a small one can be compared fairly. Regulators publish that for auto, home, health and life cover, but not for umbrella insurance. Ranking companies on raw complaint counts alone would just rank them by size, so we do not do it.

What do people complain about umbrella insurance for?

The most common recorded reason is "Delays (Policyholder Service)", with 21 complaints.

Umbrella insurance complaints

39 complaints against 21 umbrella insurers, from state insurance department records. The regulator found the company at fault in 17.9% 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 umbrella 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.

Complaints on record

Found at fault

Companies

What umbrella insurance complaints are actually about

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

Delays (Policyholder Service) 21

Premium and Rating 18

Agent Handling 16

Refund Of Premium 15

Non-Renewal 15

Denial Of Claim 10

Delays (Policyholder Service); Refund Of Premium 10

Cancellation 8

Every company on record

State Farm	9 complaints	too few to rate
Allstate	6 complaints	too few to rate
Travelers	3 complaints	too few to rate
Auto Club Indemnity Company	3 complaints	too few to rate
Asi Lloyds	2 complaints	too few to rate
USAA	1 complaints	too few to rate
The Hartford	1 complaints	too few to rate
Rli Insurance Company	1 complaints	too few to rate
Philadelphia Indemnity Insurance Company	1 complaints	too few to rate
Nationwide	1 complaints	too few to rate
Markel Insurance Company	1 complaints	too few to rate
Liberty Mutual	1 complaints	too few to rate
Hudson Excess Insurance Company	1 complaints	too few to rate
Germania Insurance Company	1 complaints	too few to rate
Germania Farm Mutual Insurance Association	1 complaints	too few to rate
GEICO	1 complaints	too few to rate
Farmers	1 complaints	too few to rate
Evanston Insurance Company	1 complaints	too few to rate
Colonial County Mutual Insurance Company	1 complaints	too few to rate
Chubb	1 complaints	too few to rate
American National Property And Casualty Company	1 complaints	too few to rate

Where these figures come from

Texas Department of Insurance — Complaint indexes and policy counts for insurance companies (2019–2025) · retrieved 27 Aug 2026
Texas Department of Insurance — Insurance complaints: all data (2011–2026) · retrieved 27 Aug 2026
New York State Department of Financial Services — Automobile Insurance Company Complaint Rankings (2009–2024) · retrieved 27 Aug 2026

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

Had a problem with a umbrella 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 →