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Maine.gov > PFR Home > Insurance Regulation > Consumer Information > All Brochures > 2012 Homeowner Insurance Complaint Comparison

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2012 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 2012. 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 2012;

the number of complaints received from consumers against that insurer during 2012;

and

a complaint index that compares the share of complaints to the share of premiums written in 2012. We have also included the complaint index for 2011.


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 2012 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/pfr/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
2012 Complaint Index 2011 Complaint Index 2012 Written Premium in Maine Number of Complaints in 2012
Allstate Insurance Group 0.7 1.4 $25,095,757 5
Amica Mutual Group 0.0 0.0 $4,171,665 0
Andover Group
(Cambridge Mutual & Merrimack Mutual)
1.2 0.0 $8,108,837 3
Auto Club Enterprises Insurance Group 0.8 3.4 $4,223,464 1
Chubb & Son, Inc. 0.2 0.2 $13,744,404 1
Concord Group 1.2 0.8 $21,113,118 8
Country Insurance and Financial Services Group
(Includes Middlesex Mutual)
0.6 1.6 $5,385,495 1
Frankenmuth Group
(Patriot Ins Co)
1.0 0.9 $10,101,294 3
Hanover Insurance Group 0.8 0.5 $16,403,237 4
Hartford Fire & Casualty Group 4.6 0.7 $4,246,291 6
Horace Mann Group 1.2 1.1 $5,276,926 2
Liberty Mutual Group (Includes Peerless) 1.0 0.8 $39,999,798 12
Main Street America Group 0.6 0.5 $5,834,356 1
Metropolitan Group 0.7 0.4 $9,379,139 2
MMG Insurance Company 1.2 1.2 $19,852,424 7
Quincy Mutual Group (Patron’s Oxford) 1.3 0.8 $15,301,452 6
State Farm Group 0.9 0.9 $38,234,906 11
Tower Group
(Includes North East and York Ins Co of ME)
0.6 0.6 $17,030,593 3
Travelers Group 0.6 1.1 $16,214,310 3
Union Mutual Fire Insurance Group
(Includes Union Mutual Fire & New Eng Guar)
1.0 1.2 $6,853,677 2
United Services Automobile Assoc. Group (USAA) 0.0 0.0 $15,782,267 0
Vermont Mutual Group 2.0 1.0 $14,715,931 9
Zurich Insurance Group 1.8 1.6 $11,097,900 6
Totals for Above Groups:     $328,167,241 96


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

AUTO CLUB ENTERPRISES INSURANCE GROUP

INTERINSURANCE EXCHANGE OF THE AUTOMOBILE CLUB

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 ACCIDENT & INDEMNITY CO
HARTFORD CASUALTY INSURANCE COMPANY
HARTFORD FIRE INSURANCE COMANY
HARTFORD INSURANCE COMPANY OF THE MIDWEST
HARTFORD UNDERWRITERS INSURANCE COMPANY
PROPERTY & CASUALTY INSURANCE COMPANY OF HARTFORD
SENTINEL INSURANCE COMPANY LTD
TRUMBULL INSURANCE COMPANY
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
lLM INSURANCE CORP
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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Last Updated: August 12, 2013