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The best and worst home insurers in Texas

Ranked by complaint index — confirmed complaints measured against policies in force, so size is taken out of the answer. 1.00 is the Texas market average. Above it means more complaints than the company's share of business would predict.

In this market an A required an index at or below 0.54, and an F means above 1.26. Cuts come from the 25 companies large enough to grade this period, not from numbers we picked.

Worst home insurers in Texas

# Company Grade Complaint index Complaints Business written
1 Ranchers And Farmers Mutual Insurance Company

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 F
1.67 1.7× the market rate raw 1.94
47 232,893
2 Nationwide

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 F
1.65 1.7× the market rate raw 2.02
36 171,513
3 American Economy Insurance Company

Most common: Cust Service Claim Handling; Delays (Claims Handling); Unsatisfactory Settle/Offer

 F
1.63 1.6× the market rate raw 1.83
55 288,257
4 Allstate

Most common: Cust Service Claim Handling; Delays (Claims Handling); Unsatisfactory Settle/Offer

 F
1.51 1.5× the market rate
350 2,195,044
5 American Family

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 F
1.36 1.4× the market rate
105 716,434
6 State Farm

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 D
1.24 1.2× the market rate
378 2,911,894
7 American Mercury Lloyd's Insurance Company

Most common: Cust Service Claim Handling; Delays (Claims Handling); Unsatisfactory Settle/Offer

 D
1.16 1.2× the market rate raw 1.26
21 160,585
8 Liberty Mutual

Most common: Cust Service Claim Handling; Delays (Claims Handling); Unsatisfactory Settle/Offer

 D
1.13 1.1× the market rate
76 634,142
9 Garrison Property And Casualty Insurance Company

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 D
0.97 about market average
32 318,318
10 Hippo

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 D
0.95 about market average
18 186,726
11 Travelers

Most common: Cust Service Claim Handling; Delays (Claims Handling); Unsatisfactory Settle/Offer

 C
0.88 12% below market
66 731,235
12 Auto Club Indemnity Company

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 C
0.87 13% below market
32 368,761
13 Assurant

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 C
0.82 18% below market
56 675,795
14 USAA

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 C
0.78 22% below market
114 1,430,319
15 Farmers

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 C
0.76 24% below market
96 1,246,346
16 Asi Lloyds

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 B
0.67 34% below market
51 784,760
17 Germania Farm Mutual Insurance Association

Most common: Cust Service Claim Handling; Delays (Claims Handling); Unsatisfactory Settle/Offer

 B
0.65 35% below market raw 0.55
18 315,485
18 American Modern Property And Casualty Insurance Company

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 B
0.62 38% below market raw 0.41
7 165,997
19 Texas Farm Bureau Mutual Insurance Company

Most common: Cust Service Claim Handling; Delays (Claims Handling); Unsatisfactory Settle/Offer

 B
0.60 40% below market raw 0.48
16 321,556
20 Lemonade

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 B
0.54 46% below market raw 0.48
34 682,162
21 Texas Fair Plan Association

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 A
0.51 49% below market raw 0.32
8 241,695
22 Toggle Insurance Company

Most common: Other

 A
0.49 51% below market raw 0.00
0 99,034
23 Hochheim Prairie Farm Mutual Insurance Association

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 A
0.48 52% below market raw 0.00
0 104,700
24 Texas Windstorm Insurance Association

Most common: Cust Service Claim Handling; Delays (Claims Handling); Unsatisfactory Settle/Offer

 A
0.45 55% below market raw 0.33
15 442,493
25 American Modern Home Insurance Company

Most common: Cust Service Claim Handling; Delays (Claims Handling)

 A
0.36 64% below market raw 0.09
2 222,888

Best home insurers in Texas

A low complaint index says these companies are complained about less than their size predicts. It is a service signal, not a price one — and it does not promise any particular claim will be paid.

# 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

Every graded home company in Texas

A American Modern Home Insurance Company 0.36 2 222,888
A Texas Windstorm Insurance Association 0.45 15 442,493
A Hochheim Prairie Farm Mutual Insurance Association 0.48 0 104,700
A Toggle Insurance Company 0.49 0 99,034
A Texas Fair Plan Association 0.51 8 241,695
B Lemonade 0.54 34 682,162
B Texas Farm Bureau Mutual Insurance Company 0.60 16 321,556
B American Modern Property And Casualty Insurance Company 0.62 7 165,997
B Germania Farm Mutual Insurance Association 0.65 18 315,485
B Asi Lloyds 0.67 51 784,760
C Farmers 0.76 96 1,246,346
C USAA 0.78 114 1,430,319
C Assurant 0.82 56 675,795
C Auto Club Indemnity Company 0.87 32 368,761
C Travelers 0.88 66 731,235
D Hippo 0.95 18 186,726
D Garrison Property And Casualty Insurance Company 0.97 32 318,318
D Liberty Mutual 1.13 76 634,142
D American Mercury Lloyd's Insurance Company 1.16 21 160,585
D State Farm 1.24 378 2,911,894
F American Family 1.36 105 716,434
F Allstate 1.51 350 2,195,044
F American Economy Insurance Company 1.63 55 288,257
F Nationwide 1.65 36 171,513
F Ranchers And Farmers Mutual Insurance Company 1.67 47 232,893

Where these figures come from

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