The best home insurance companies
Ranked on complaint index: confirmed complaints measured against how much business each company writes, so a giant carrier and a small one can be compared on the same footing. A company at 0.50 draws half.
This is a service record, not a price comparison, and not a prediction about any one claim. How we grade →
| # | Company | Grade | Complaint index | Complaints | Business written |
|---|---|---|---|---|---|
| 1 | American Modern Home Insurance Company | A |
0.36
64% below market
raw 0.09
|
2 | 222,888 |
| 2 | Texas Windstorm Insurance Association | A |
0.45
55% below market
raw 0.33
|
15 | 442,493 |
| 3 | Hochheim Prairie Farm Mutual Insurance Association | A |
0.48
52% below market
raw 0.00
|
0 | 104,700 |
| 4 | Toggle Insurance Company | A |
0.49
51% below market
raw 0.00
|
0 | 99,034 |
| 5 | Texas Fair Plan Association | A |
0.51
49% below market
raw 0.32
|
8 | 241,695 |
| 6 | Lemonade | B |
0.54
46% below market
raw 0.48
|
34 | 682,162 |
| 7 | Texas Farm Bureau Mutual Insurance Company | B |
0.60
40% below market
raw 0.48
|
16 | 321,556 |
| 8 | American Modern Property And Casualty Insurance Company | B |
0.62
38% below market
raw 0.41
|
7 | 165,997 |
| 9 | Germania Farm Mutual Insurance Association | B |
0.65
35% below market
raw 0.55
|
18 | 315,485 |
| 10 | Asi Lloyds | B |
0.67
34% below market
|
51 | 784,760 |
| 11 | Farmers | C |
0.76
24% below market
|
96 | 1,246,346 |
| 12 | USAA | C |
0.78
22% below market
|
114 | 1,430,319 |
| 13 | Assurant | C |
0.82
18% below market
|
56 | 675,795 |
| 14 | Auto Club Indemnity Company | C |
0.87
13% below market
|
32 | 368,761 |
| 15 | Travelers | C |
0.88
12% below market
|
66 | 731,235 |
| 16 | Hippo | D |
0.95
about market average
|
18 | 186,726 |
| 17 | Garrison Property And Casualty Insurance Company | D |
0.97
about market average
|
32 | 318,318 |
| 18 | Liberty Mutual | D |
1.13
1.1× the market rate
|
76 | 634,142 |
| 19 | American Mercury Lloyd's Insurance Company | D |
1.16
1.2× the market rate
raw 1.26
|
21 | 160,585 |
| 20 | State Farm | D |
1.24
1.2× the market rate
|
378 | 2,911,894 |
| 21 | American Family | F |
1.36
1.4× the market rate
|
105 | 716,434 |
| 22 | Allstate | F |
1.51
1.5× the market rate
|
350 | 2,195,044 |
| 23 | American Economy Insurance Company | F |
1.63
1.6× the market rate
raw 1.83
|
55 | 288,257 |
| 24 | Nationwide | F |
1.65
1.7× the market rate
raw 2.02
|
36 | 171,513 |
| 25 | Ranchers And Farmers Mutual Insurance Company | F |
1.67
1.7× the market rate
raw 1.94
|
47 | 232,893 |
Grades come from the distribution of the 25 companies large enough to grade this period: A at or below 0.54, F above 1.26.