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2010 Homeowner Insurance Complaint Comparison
Published by the Maine Bureau of Insurance
Paul R. LePage
Governor
Eric Cioppa,
Superintendent
Homeowner Complaint Comparison
The center pages of this brochure show information about the number of homeowner insurance complaints received by the Bureau of Insurance from consumers in 2010. This information is provided as a tool for you to use when you compare homeowner insurance companies.
Other important information to consider when comparing insurance companies includes policy prices, what the policy covers, what the policy doesn’t cover (policy exclusions), and the financial strength of the company.
What does the table tell me?
The table shows the following about each insurer:
the amount of direct premium that was written in 2010;
the number of complaints received from consumers against that insurer during 2010;
and
a complaint index that compares the share of complaints to the share of premiums written in 2010. We
have also included the complaint index for 2009.
Why use a complaint index?
With a complaint index you can see at a glance how a homeowner insurer compares to the average.
A Complaint Index of 1 is average.
Less than 1 is better than average.
Greater than 1 is worse than average.
Not all companies selling homeowner insurance in Maine are listed in this brochure. Some companies do not write enough insurance in Maine to show meaningful information. This brochure includes only companies that either:
have 5 or more complaints received against them
or
collected premiums for homeowner policies sold in Maine that represent at least 1% of all the 2010 homeowner insurance premium collected by all insurers who sell homeowner policies in Maine.
You can reach the Bureau of Insurance at:
34 State House Station, Augusta, ME 04333
Telephone: in-State (800) 300-5000 or (207) 624-8475
Web site: www.maine.gov/insurance
A complaint index of 1 is average, less than 1 is better than average, greater than 1 is worse than average.
NOTE: Many companies are part of an insurance “group.” Some of the companies included in these groups are listed in the chart, however, if your company is not listed on the chart, look at the lists on the following pages to see if it is part of a group.
HOMEOWNER INSURANCE
Group Name |
2010 Complaint Index |
2009 Complaint Index |
2010 Written Premium in Maine |
Number of Complaints in 2010 |
| Allstate Insurance Group |
1.4 |
1.2 |
$22,768,550 |
11 |
| Amica Mutual Group |
0.0 |
0.0 |
$3,572,031 |
0 |
Andover Group
(Cambridge Mutual & Merrimack Mutual) |
0.4 |
1.0 |
$7,495,451 |
1 |
| Chubb & Son, Inc. |
0.5 |
0.6 |
$13,013,057 |
2 |
| Concord Group |
1.2 |
1.4 |
$19,873,710 |
8 |
Country Insurance and Financial Services Group
(Includes Middlesex Mutual) |
0.0 |
0.4 |
$5,884,561 |
0 |
Frankenmuth Group
(Patriot Ins Co) |
0.0 |
0.3 |
$9,371,450 |
0 |
| Hanover Insurance Group |
0.6 |
0.7 |
$15,427,754 |
3 |
| Hartford Fire & Casualty Group |
2.8 |
1.8 |
$4,251,436 |
4 |
| Horace Mann Group |
0.6 |
1.4 |
$5,230,351 |
1 |
| Liberty Mutual Group (Includes Peerless) |
0.9 |
0.9 |
$34,234,795 |
10 |
| Main Street America Group |
0.5 |
0.8 |
$6,263,101 |
1 |
| Metropolitan Group |
0.4 |
0.3 |
$7,689,139 |
1 |
| MMG Insurance Company |
1.4 |
0.8 |
$19,891,788 |
9 |
| Quincy Mutual Group (Patron’s Oxford) |
1.9 |
1.1 |
$14,481,397 |
9 |
| State Farm Group |
0.3 |
0.9 |
$36,073,032 |
4 |
Tower Group
(Includes North East and York Ins Co of ME) |
0.5 |
0.0 |
$18,431,097 |
3 |
| Travelers Group |
0.6 |
0.7 |
$14,526,588 |
3 |
Union Mutual Fire Insurance Group
(Includes Union Mutual Fire & New Eng Guar) |
2.3 |
1.0 |
$7,653,434 |
6 |
| United Services Automobile Assoc. Group (USAA) |
0.2 |
0.2 |
$12,728,360 |
1 |
| Vermont Mutual Group |
1.3 |
1.1 |
$14,323,634 |
6 |
| Zurich Insurance Group |
2.2 |
1.3 |
$11,038,701 |
8 |
| Total |
|
|
$304,223,417 |
91 |
GROUP NAME with COMPANY NAMES
ALLSTATE INSURANCE GROUP
ALLSTATE INDEMNITY COMPANY
ALLSTATE INSURANCE COMPANY
ALLSTATE PROPERTY & CASUALTY INSURANCE COMPANY
ENCOMPASS INSURANCE COMPANY OF AMERICA
AMICA MUTUAL GROUP
AMICA MUTUAL INSURANCE COMPANY
ANDOVER GROUP
CAMBRIDGE MUTUAL FIRE INSURANCE COMPANY
MERRIMACK MUTUAL FIRE INSURANCE COMPANY
CHUBB & SON INC GROUP
FEDERAL INSURANCE COMPANY
GREAT NORTHERN INSURANCE COMPANY
PACIFIC INDEMNITY COMPANY
VIGILANT INSURANCE COMPANY
CONCORD GROUP
CONCORD GENERAL MUTUAL INSURANCE COMPANY
GREEN MOUNTAIN INSURANCE COMPANY INC
STATE MUTUAL INSURANCE COMPANY
COUNTRY INSURANCE & FINANCIAL SERVICES GROUP
MIDDLESEX MUTUAL ASSURANCE COMPANY
FRANKENMUTH GROUP
PATRIOT INSURANCE COMPANY
HANOVER INSURANCE GROUP
CITIZENS INSURANCE COMPANY OF AMERICA
HANOVER INSURANCE COMPANY
MASSACHUSETTS BAY INSURANCE COMPANY
HARTFORD FIRE & CASUALTY GROUP
HARTFORD CASUALTY INSURANCE COMPANY
HARTFORD FIRE INSURANCE COMANY
HARTFORD INSURANCE COMPANY OF THE MIDWEST
HARTFORD UNDERWRITERS INSURANCE COMPANY
SENTINEL INSURANCE COMPANY LTD
TWIN CITY FIRE INSURANCE COMPANY
HORACE MANN GROUP
HORACE MANN INSURANCE COMPANY
TEACHERS INSURANCE COMPANY
LIBERTY MUTUAL GROUP
LIBERTY INSURANCE CORP
LIBERTY MUTUAL FIRE INSURANCE COMPANY
NETHERLANDS INSURANCE COMPANY, THE
PEERLESS INSURANCE COMPANY
MAIN STREET AMERICA GROUP
NGM INSURANCE COMPANY
METROPOLITAN GROUP
METROPOLITAN PROPERTY & CASUALTY INSURANCE COMPANY
MMG INSURANCE COMPANY
MMG INSURANCE COMPANY
QUINCY MUTUAL GROUP
PATRONS OXFORD INSURANCE COMPANY
STATE FARM GROUP
STATE FARM FIRE AND CASUALTY COMPANY
TOWER GROUP
NORTH EAST INSURANCE COMPANY
YORK INSURANCE COMPANY OF MAINE
TRAVELERS GROUP
AUTOMOBILE INSURANCE COMPANY OF HARTFORD CT
STANDARD FIRE INSURANCE COMPANY
TRAVELERS COMMERCIAL INSURANCE COMPANY
TRAVELERS HOME & MARINE INSURANCE COMPANY
TRAVELERS INDEMNITY COMPANY OF AMERICA
UNION MUTUAL FIRE INSURANCE GROUP
NEW ENGLAND GUARANTY INSURANCE COMPANY INC
UNION MUTUAL FIRE INSURANCE COMPANY
UNITED SERVICES AUTOMOBILE ASSOC GROUP
GARRISON PROPERTY & CASUALTY INSURANCE COMPANY
UNITED SERVICES AUTOMOBILE ASSOC
USAA CASUALTY INSURANCE COMPANY
USAA GENERAL INDEMNITY COMPANY
VERMONT MUTUAL GROUP
NORTHERN SECURITY INSURANCE COMPANY INC
VERMONT MUTUAL INSURANCE COMPANY
ZURICH INSURANCE GROUP
EMPIRE FIRE & MARINE INSURANCE COMPANY
FARMERS INSURANCE EXCHANGE
FIDELITY & DEPOSIT COMPANY OF MD
FOREMOST INSURANCE COMPANY
FOREMOST PROPERTY & CASUALTY INSURANCE COMPANY
TRUCK INSURANCE EXCHANGE
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