Homeowners insurers ranked by value

Every homeowners insurer group scored on the two things that decide what you get for your premium: the loss ratio (how much of each premium dollar comes back out as paid claims and the cost of handling them) and the claim-paid rate (how often a reported claim is actually paid). Both come from countrywide annual statements, summed across every member company and year. Each is read as a consumer-favorability percentage — cents returned per premium dollar (capped at 100) and the share of claims paid — and the two are averaged into a 0–100 value score, highest first. Click a group to see its member companies. Groups with fewer than 1000 reported claims, or too little premium for a meaningful loss ratio, are excluded.

Top ranked: WESTERN NATIONAL MUTUAL — score 97

Line-average loss ratio: 70%

Line-average claim-paid rate: 57%

Groups ranked: 111

Group

Value score

Loss ratio

Claim-paid rate

Earned premium

▶ WESTERN NATIONAL MUTUAL

99%

95%

$352,515,651

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
WESTERN NATL MUT INS CO	15377	101%	95%	14,809
PIONEER SPECIALTY INS CO	40312	14%	95%	172
UMIALIK INS CO	40126	13%	95%	172

▶ FARMERS ALLIANCE MUTUAL INSURANCE COMPANY

100%

87%

$14,942,374

▶ Indiana Farmers Mutual Insurance Company

116%

85%

$71,939,851

▶ Ohio Mutual Insurance Company

97%

86%

$42,173,268

▶ ALFA

100%

82%

$418,706,996

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
ALFA MUT INS CO	19135	96%	82%	11,249
ALFA MUT GEN INS CO	19151	86%	82%	1,607
ALFA GEN	41661	109%	82%	1,072
ALFA	22330	125%	82%	803

▶ Rockford Mutual Insurance Company

103%

79%

$14,759,283

▶ The Celina Mutual Insurance Company

100%

75%

$13,166,994

▶ WESTFIELD

107%

72%

$488,453,040

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
WESTFIELD NATL INS CO	24120	65%	70%	18,934
WESTFIELD INS CO	24112	74%	75%	17,613
OLD GUARD INS CO	17558	97%	75%	2,936
AMERICAN SELECT INS CO	19992	147%	74%	1,631

▶ Farm Bureau Town & Country Insurance Company of Missouri

103%

72%

$100,265,780

▶ Motors Insurance Corporation

98%

69%

$29,264,288

▶ The National Mutual Insurance Company

92%

75%

$18,830,056

▶ IMT Insurance Company

103%

67%

$35,495,207

▶ RAM Mutual Insurance Company

101%

66%

$24,863,812

▶ RLI

128%

66%

$99,924,335

▶ BERKSHIRE HATHAWAY

91%

75%

$1,069,223,199

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
AMGUARD INS CO	42390	108%	78%	11,608
NATIONAL FIRE & MARINE INS CO	20079	-9%	52%	1,507
AZGUARD INS CO	16495	14%	75%	774
UNITED STATES LIAB INS CO	25895	30%	39%	172
US UNDERWRITERS INS CO	35416	39%	33%	63
MOUNT VERNON FIRE INS CO	26522	33%	53%	49

▶ First American Specialty Insurance Company

97%

68%

$11,262,359

▶ FRANKENMUTH GRP

94%

70%

$241,863,455

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
FRANKENMUTH INS CO	13986	125%	71%	5,700
FRANKENMUTH INS CO	13986	73%	67%	3,953
PATRIOT INS CO	32069	58%	71%	585

▶ Wawanesa General Insurance Company

89%

74%

$288,359,333

▶ TRAVELERS

74%

87%

$10,026,089,410

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
TRAVELERS IND CO	25658	52%	87%	203,402
TRAVELERS CAS & SURETY CO	19038	26%	87%	163,844
STANDARD FIRE INS CO	19070	94%	87%	48,402
TRAVELERS IND CO OF CT	25682	80%	87%	16,494
PHOENIX INS CO	25623	38%	86%	11,890
FARMINGTON CAS CO	41483	26%	87%	9,003
CHARTER OAK FIRE INS CO	25615	50%	87%	5,739
TRAVELERS COMMERCIAL INS CO	36137	23%	88%	3,762
ST PAUL PROTECTIVE INS CO	19224	69%	87%	3,696
AUTOMOBILE INS CO OF HARTFORD CT	19062	45%	87%	3,247
TRAVELERS PROP CAS CO OF AMER	25674	67%	88%	2,877
TRAVELERS LLOYDS OF TX INS CO	41564	60%	89%	2,410
TRAVELERS PROP CAS INS CO	36161	61%	88%	2,394
ST PAUL PROTECTIVE INS CO	19224	49%	88%	2,139
TRAVELERS IND CO OF AMER	25666	53%	87%	1,829
FIDELITY & GUAR INS UNDERWRITERS INC	25879	38%	88%	988
TRAVCO INS CO	28188	79%	87%	637
TRAVELERS HOME & MARINE INS CO	27998	65%	87%	637
TRAVELERS PERSONAL INS CO	38130	81%	87%	637
TRAVELERS PERSONAL SECURITY INS CO	36145	57%	87%	637
TRAVCO PERSONAL INS CO	36463	117%	88%	512
FIRST FLORIDIAN AUTO & HOME INS CO	10647	57%	84%	411
TRAVCO PERSONAL INS CO	36463	124%	87%	330

▶ SELECTIVE

87%

73%

$165,698,199

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
SELECTIVE INS CO OF AMER	12572	839%	73%	12,658
SELECTIVE INS CO OF SC	19259	95%	75%	634
SELECTIVE INS CO OF THE SOUTHEAST	39926	78%	75%	494
SELECTIVE AUTO INS CO OF NJ	11074	70%	75%	423

▶ United Ohio Insurance Company

75%

86%

$12,494,349

▶ AUTO CLUB ENTERPRISES

130%

58%

$2,723,222,202

▶ Mutual of Enumclaw Insurance Company

90%

67%

$93,874,537

▶ Pioneer State Mutual Insurance Company

124%

57%

$71,561,602

▶ ACUITY A MUT INS CO

91%

66%

$235,999,111

▶ ERIE

90%

65%

$2,415,582,111

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
ERIE INS EXCH	26271	79%	65%	136,006
ERIE INS CO	26263	95%	65%	7,197
ERIE INS PROP & CAS CO	26830	69%	78%	1,757
ERIE INS CO OF NY	16233	71%	65%	719

▶ Teachers Insurance Company

83%

72%

$92,784,257

▶ FARMERS AUTOMOBILE INSURANCE ASSOCIATION

119%

54%

$89,513,215

▶ Pekin Insurance Company

108%

54%

$37,037,301

▶ TIPTREE FINANCIAL

72%

81%

$55,664,078

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
FORTEGRA SPECIALTY INS CO	16823	96%	79%	1,174
RESPONSE IND CO OF CA	10970	72%	83%	726

▶ PENNSYLVANIA NATIONAL

72%

79%

$129,295,375

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
PENNSYLVANIA NATL MUT CAS INS CO	14990	71%	79%	2,860
FOUNDERS INS COMPANY	10994	88%	86%	164
PARTNERS MUT INS CO	13439	74%	79%	117

▶ FRONTLINE

100%

51%

$847,187,357

▶ SECURA

110%

50%

$96,675,946

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
SECURA INS CO	22543	52%	50%	6,881
SECURA SUPREME INS CO	10239	110%	50%	764

▶ First American Property & Casualty Insurance Company

88%

62%

$59,889,927

▶ Columbia Lloyds Insurance Company

71%

76%

$11,658,629

▶ BUCKEYE STATE MUTUAL INSURANCE COMPANY

70%

76%

$10,103,541

▶ Pacific Specialty Insurance Company

75%

71%

$515,839,907

▶ FARMERS MUTUAL INSURANCE COMPANY OF NEBRASKA

70%

75%

$142,397,560

▶ STATE FARM

75%

69%

$130,227,931,595

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
STATE FARM FIRE & CAS CO	25143	73%	70%	5,641,168
STATE FARM GEN INS CO	25151	92%	64%	351,201
STATE FARM FL INS CO	10739	44%	41%	34,002
DOVER BAY SPECIALTY INS CO	15894	27%	42%	638

▶ Rural Mutual Insurance Company

82%

63%

$24,682,706

▶ Oregon Mutual Insurance Company

97%

47%

$101,470,539

▶ NATIONWIDE

64%

79%

$11,120,530,940

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
NATIONWIDE MUT INS CO	23787	64%	79%	678,145
NATIONWIDE AGRIBUSINESS INS CO	28223	61%	79%	25,161
NATIONAL CAS CO	11991	48%	79%	8,387
NATIONWIDE INS CO OF AMER	25453	67%	79%	8,387
NATIONWIDE GEN INS CO	23760	64%	78%	6,598
SCOTTSDALE IND CO	15580	23%	49%	170
SCOTTSDALE SURPLUS LINES INS CO	10672	63%	57%	7
ALLIED PROP & CAS INS CO	42579	65%	—	0
AMCO INS CO	19100	48%	—	0
CRESTBROOK INS CO	18961	75%	—	0
DEPOSITORS INS CO	42587	70%	—	0
HARLEYSVILLE INS CO	23582	112%	—	0
HARLEYSVILLE INS CO OF NJ	42900	90%	—	0
HARLEYSVILLE PREFERRED INS CO	35696	-114%	—	0
HARLEYSVILLE WORCESTER INS CO	26182	30%	—	0
NATIONWIDE AFFINITY CO OF AMER	26093	99%	—	0
NATIONWIDE ASSUR CO	10723	75%	—	0
NATIONWIDE PROP & CAS INS CO	37877	61%	—	0
SCOTTSDALE INS CO	41297	18%	—	0

▶ DONEGAL

64%

79%

$216,584,733

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
ATLANTIC STATES INS CO	22586	64%	79%	13,563
DONEGAL MUT INS CO	13692	54%	79%	7,162
SOUTHERN INS CO OF VA	26867	75%	77%	1,835
MICHIGAN INS CO	10857	83%	78%	947
PENINSULA INS CO	14958	72%	73%	683
SOUTHERN MUT INS CO	15172	67%	83%	302

▶ CENTRAL MUT INS CO GRP

71%

$146,423,748

▶ CSE Safeguard Insurance Company

83%

59%

$69,863,332

▶ UNIVERSAL INS HOLDING GRP

81%

60%

$1,859,883,374

▶ North Star Mutual Insurance Company

79%

62%

$146,788,064

▶ BROOKFIELD REINS LTD GRP

73%

67%

$953,118,886

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
AMERICAN NATIONAL PROP & CAS CO	28401	65%	70%	28,119
AMERICAN NATIONAL PROP & CAS CO	28401	85%	67%	21,399
AMERICAN NATL GEN INS CO	39942	88%	58%	3,001
AMERICAN NATL GEN INS CO	39942	83%	56%	1,621
ARGONAUT INS CO	19801	23%	63%	569

▶ Farmers Mutual Fire Insurance Company of Salem County

76%

63%

$40,776,929

▶ THE HANOVER

70%

69%

$2,071,535,299

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
HANOVER INS CO	22292	57%	68%	134,396
CITIZENS INS CO OF AMER	31534	44%	69%	129,696
MASSACHUSETTS BAY INS CO	22306	67%	67%	42,907
CITIZENS INS CO OF THE MIDWEST	10395	122%	72%	24,834
CITIZENS INS CO OF IL	10714	143%	79%	4,743
HANOVER AMER INS CO	36064	236%	75%	3,111
CITIZENS INS CO OF OH	10176	100%	74%	349

▶ ENCOVA MUTUAL

79%

59%

$70,180,309

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
MOTORISTS COMMERCIAL MUT INS CO	13331	82%	56%	2,267
MOTORISTS MUT INS CO	14621	75%	63%	882
CONSUMERS INS USA INC	10204	146%	63%	70
IOWA MUT INS CO	14338	96%	63%	70
MICO INS CO	40932	95%	63%	62
PHENIX MUT FIRE INS CO	23175	60%	63%	51
WILSON MUT INS CO	19950	52%	63%	48

▶ Grange Insurance Association

74%

62%

$44,967,529

▶ California Casualty Indemnity Exchange

78%

58%

$311,840,150

▶ CHUBB

59%

76%

$10,821,734,639

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
ACE AMER INS CO	22667	1105%	76%	60,636
FEDERAL INS CO	20281	82%	76%	60,636
ACE PROP & CAS INS CO	20699	75%	76%	48,507
PACIFIC IND CO	20346	41%	76%	48,507
EXECUTIVE RISK IND INC	35181	42%	76%	21,148
VIGILANT INS CO	20397	45%	79%	15,614
CHUBB IND INS CO	12777	46%	79%	8,462
EXECUTIVE RISK IND INC	35181	46%	74%	3,106
CHUBB LLOYDS INS CO OF TX	27774	59%	81%	2,397
CHUBB CUSTOM INS CO	38989	16%	76%	145
ILLINOIS UNION INS CO	27960	-63%	100%	1
ACE INS CO OF THE MIDWEST	26417	28%	—	0
ATLANTIC EMPLOYERS INS CO	38938	53%	—	0
BANKERS STANDARD INS CO	18279	95%	—	0
CHUBB INS CO OF NJ	41386	55%	—	0
CHUBB NATL INS CO	10052	45%	—	0
GREAT NORTHERN INS CO	20303	47%	—	0
INSURANCE CO OF N AMER	22713	12%	—	0
PACIFIC EMPLOYERS INS CO	22748	32%	—	0
WESTCHESTER SURPLUS LINES INS CO	10172	5%	—	0

▶ ARBELLA

50%

83%

$196,277,010

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
ARBELLA MUT INS CO	17000	48%	83%	2,130
ARBELLA PROTECTION INS CO	41360	50%	83%	449
COVENANT INS CO	10062	61%	83%	140
ARBELLA IND INS CO	10017	54%	82%	84

▶ National Security Fire & Casualty Company

58%

73%

$56,919,829

▶ Horace Mann Property & Casualty Insurance Company

59%

71%

$343,991,210

▶ CINCINNATI FINANCIAL

71%

57%

$3,778,580,885

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
THE CINCINNATI INS CO	10677	72%	59%	72,199
THE CINCINNATI CAS CO	28665	71%	53%	31,614

▶ AMERICAN FAMILY

69%

59%

$10,980,550,307

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
HOMESITE INS CO OF THE MIDWEST	13927	66%	63%	395,276
HOMESITE INS CO OF THE MIDWEST	13927	57%	54%	382,415
AMERICAN FAMILY MUT INS CO SI	19275	84%	57%	375,862
HOMESITE INS CO	17221	67%	56%	67,101
AMERICAN FAMILY INS CO	10386	94%	72%	53,487
HOMESITE INS CO OF CA	11005	65%	57%	49,490
AMERICAN FAMILY CONNECT PROP & CAS I	29068	78%	59%	39,074
HOMESITE INS CO OF CA	11005	91%	49%	8,512
HOMESITE IND CO	20419	57%	53%	8,301
NGM INS CO	14788	68%	76%	6,457
HOMESITE INS CO OF GA	10745	67%	55%	5,689
HOMESITE INS CO OF FL	11156	63%	57%	5,004
HOMESITE INS CO OF NY	10986	56%	54%	4,993
AMERICAN STANDARD INS CO OF OH	10387	111%	64%	2,532
HOMESITE INS CO OF IL	11016	51%	54%	621
AUSTIN MUT INS CO	13412	59%	79%	302
AMERICAN FAMILY CONNECT INS CO	12504	145%	72%	136
GRAIN DEALERS MUT INS CO	22098	57%	73%	89
MAIN ST AMER ASSUR CO	29939	49%	—	0
MAIN STREET AMER PROTECTION INS CO	13026	106%	—	0
OLD DOMINION INS CO	40231	14%	—	0

▶ FLORIDA FAMILY INSURANCE COMPANY

45%

82%

$89,061,849

▶ PEMCO MUTUAL INSURANCE COMPANY

77%

50%

$162,068,316

▶ Civil Service Employees Insurance Company

70%

56%

$28,338,164

▶ Virginia Farm Bureau Mutual Insurance Company

61%

65%

$56,502,056

▶ California Casualty General Insurance Company of Oregon

71%

54%

$32,678,195

▶ NEW YORK CENTRAL MUTUAL FIRE INSURANCE COMPANY

44%

81%

$234,454,439

▶ American Summit Insurance Company

54%

71%

$103,390,944

▶ MERCURY GEN

65%

58%

$1,018,807,839

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
CALIFORNIA AUTOMOBILE INS CO	38342	63%	58%	83,948
MERCURY CAS CO	11908	68%	60%	26,056
AMERICAN MERCURY INS CO	16810	120%	58%	14,431
AMERICAN MERCURY LLOYDS INS CO	25470	61%	56%	6,635
MERCURY INS CO OF GA	34410	62%	64%	1,453

▶ NODAK INSURANCE COMPANY

53%

70%

$21,317,980

▶ DB Insurance Co., Ltd.(U.S. Branch)

83%

40%

$312,643,822

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
DB Insurance Co., Ltd.(U.S. Branch)	12502	100%	41%	5,694
DB Insurance Co., Ltd.(U.S. Branch)	12502	45%	36%	1,620

▶ MS & AD

52%

71%

$83,397,236

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
TRANSVERSE INS CO	21075	63%	73%	6,732
TRANSVERSE INS CO	21075	48%	66%	2,452

▶ UNITED SERV AUTOMOBILE ASSN

72%

49%

$33,269,498,479

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
USAA	25941	78%	49%	2,451,481
USAA CAS INS CO	25968	73%	49%	2,194,888
USAA GEN IND CO	18600	72%	50%	1,212,284
GARRISON PROP & CAS INS CO	21253	75%	49%	648,549
USAA	25941	56%	48%	418,435

▶ ALLSTATE

70%

51%

$22,271,479,211

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
ALLSTATE INS CO	19232	77%	51%	5,253,776
ALLSTATE IND CO	19240	49%	49%	596,068
ALLSTATE VEHICLE & PROP INS CO	37907	79%	51%	565,695
ALLSTATE PROP & CAS INS CO	17230	61%	54%	264,592
ALLSTATE FIRE & CAS INS CO	29688	87%	60%	100,887
INTEGON NATL INS CO	29742	80%	61%	95,577
ESURANCE INS CO	25712	85%	50%	35,608
MIC GEN	38660	59%	62%	33,087
CASTLE KEY INS CO	30511	38%	51%	27,816
ALLSTATE TX LLOYDS	26530	67%	54%	24,370
ENCOMPASS INS CO	10358	68%	63%	24,032
CASTLE KEY IND CO	10835	48%	50%	23,981
ALLSTATE NJ INS CO	10852	42%	44%	22,395
CENTURY NATL INS CO	26905	43%	49%	21,943
ALLSTATE NJ PROP & CAS INS CO	14940	72%	43%	15,975
NATIONAL FARMERS UNION PROP & CAS	16217	73%	60%	14,164
ENCOMPASS IND CO	15130	91%	70%	8,134
NATIONAL GEN INS CO	23728	64%	54%	6,753
ESURANCE PROP & CAS INS CO	30210	63%	41%	5,367
ENCOMPASS HOME & AUTO INS CO	11252	70%	69%	4,962
ADIRONDACK INS EXCH	12583	59%	55%	4,902
ENCOMPASS INS CO OF AMER	10071	75%	79%	4,406
ENCOMPASS INDEPENDENT INS CO	11251	110%	71%	4,371
IMPERIAL FIRE & CAS INS CO	44369	46%	62%	3,320
NATIONAL GEN ASSUR CO	42447	52%	57%	1,500
NEW JERSEY SKYLANDS INS ASSN	11454	84%	62%	1,467
NORTH LIGHT SPECIALTY INS CO	13167	22%	46%	1,084
ENCOMPASS PROP & CAS CO	10072	104%	70%	549
ENCOMPASS PROP & CAS INS CO OF NJ	12496	80%	55%	515
STANDARD PROP & CAS INS CO	15199	42%	74%	506
INTEGON IND	22772	60%	66%	333
INTEGON GEN	22780	28%	36%	277
ENCOMPASS INS CO OF NJ	11599	45%	62%	243
ALLSTATE N AMER INS CO	11110	120%	8%	142
DIRECT GEN INS CO	42781	15%	34%	103
DIRECT INS CO	37220	50%	34%	61
ESURANCE INS CO OF NJ	21741	-8%	42%	55
INTEGON PREFERRED INS CO	31488	4%	8%	38
DIRECT GEN INS CO OF MS	10889	17%	38%	13
NEW SOUTH INS CO	12130	15%	31%	13
INTEGON CAS INS CO	27930	33%	50%	2
MOUNTAIN VALLEY IND CO	10205	57%	—	0

▶ TOKIO MARINE HOLDINGS INC

60%

$6,107,303,136

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
PRIVILEGE UNDERWRITERS RECP EXCH	12873	60%	62%	31,558
FIRST INS CO OF HI LTD	41742	277%	38%	4,318
TOKIO MARINE AMER INS CO	10945	65%	66%	1,507
PURE SPECIALTY EXCHANGE	17148	5%	45%	163

▶ People's Trust Insurance Company

58%

61%

$193,301,559

▶ Horace Mann Insurance Company

47%

71%

$527,172,760

▶ LIBERTY MUTUAL

61%

57%

$22,487,960,914

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
LIBERTY MUT INS CO	23043	65%	57%	492,792
PEERLESS INS CO	24198	37%	57%	197,116
LIBERTY MUT FIRE INS CO	23035	35%	57%	78,847
OHIO CAS INS CO	24074	-27%	57%	78,847
SAFECO INS CO OF AMER	24740	69%	57%	59,136
SAFECO INS CO OF OR	11071	61%	64%	5,075
AMERICAN ECONOMY INS CO	19690	63%	—	0
AMERICAN FIRE & CAS CO	24066	46%	—	0
AMERICAN STATES INS CO	19704	44%	—	0
AMERICAN STATES INS CO OF TX	19712	-5%	—	0
AMERICAN STATES PREFERRED INS CO	37214	21%	—	0
FIRST LIBERTY	33588	35%	—	0
FIRST NATL INS CO OF AMER	24724	128%	—	0
GENERAL INS CO OF AMER	24732	86%	—	0
INSURANCE CO OF IL	26700	67%	—	0
IRONSHORE IND INC	23647	1393%	—	0
LIBERTY	42404	59%	—	0
LM GEN INS CO	36447	46%	—	0
LM	33600	35%	—	0
LM PROP & CAS INS CO	32352	25%	—	0
NETHERLANDS INS CO THE	24171	30%	—	0
PEERLESS IND INS CO	18333	60%	—	0
SAFECO INS CO OF IL	39012	69%	—	0
WAUSAU UNDERWRITERS INS CO	26042	27%	—	0
WEST AMER INS CO	44393	32%	—	0

▶ CSAA

56%

62%

$4,166,433,034

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
CSAA INS EXCH	15539	47%	61%	202,588
CSAA GEN INS CO	37770	75%	63%	77,690
CSAA FIRE & CAS INS CO	10921	80%	64%	5,458
CSAA AFFINITY INS CO	11681	75%	64%	2,162

▶ AIG

51%

65%

$2,205,434,896

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
AMERICAN HOME ASSUR CO	19380	76%	65%	160,864
NATIONAL UNION FIRE INS CO OF PITTSB	19445	72%	65%	144,712
LEXINGTON INS CO	19437	56%	64%	28,739
NATIONAL UNION FIRE INS CO OF PITTSB	19445	5%	63%	27,430
COMMERCE & INDUSTRY INS CO	19410	48%	64%	8,583
AIG PROP CAS CO	19402	51%	—	0
INSURANCE CO OF THE STATE OF PA	19429	60%	—	0
NEW HAMPSHIRE INS CO	23841	110819%	—	0

▶ PALISADES

58%

57%

$245,551,199

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
HIGH POINT PREFERRED INS CO	28959	34%	58%	10,488
PALISADES PROP & CAS INS CO	10100	69%	57%	8,452
PALISADES INS CO	10791	8%	50%	4
TEACHERS AUTO INS CO	12212	4%	67%	3

▶ WR BERKLEY

56%

59%

$691,766,292

▶ AMICA MUTUAL

56%

58%

$2,245,942,673

▶ MUNICH RE

56%

57%

$3,007,186,915

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
AMERICAN MODERN HOME INS CO	23469	35%	56%	66,609
AMERICAN FAMILY HOME INS CO	23450	-4%	58%	56,940
AMERICAN MODERN PROP & CAS INS CO	42722	60%	58%	18,583
AMERICAN SOUTHERN HOME INS CO	41998	293%	58%	9,165
AMERICAN FAMILY HOME INS CO	23450	43%	—	0
AMERICAN FAMILY HOME INS CO	23450	42%	—	0
AMERICAN MODERN HOME INS CO	23469	32%	—	0
AMERICAN MODERN HOME INS CO	23469	29%	—	0
AMERICAN SOUTHERN HOME INS CO	41998	-12168%	—	0

▶ IOWA FARM BUREAU

83%

29%

$395,333,669

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
FARM BUREAU PROP & CAS INS CO	13773	84%	29%	89,607
WESTERN AGRIC INS CO	27871	80%	—	0

▶ TRISURA

44%

67%

$272,977,729

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
TRISURA INS CO	22225	48%	65%	32,126
TRISURA SPECIALTY INS CO	16188	39%	81%	5,378

▶ Homeowners Choice Property & Casualty Insurance Company, Inc

47%

64%

$1,901,312,173

▶ AUTO OWNERS

53%

58%

$290,559,909

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
CALIFORNIA CAPITAL INS CO	13544	44%	56%	9,805
CONCORD GEN MUT INS CO	20672	65%	62%	4,053
EAGLE W INS CO	12890	82%	56%	2,049
GREEN MOUNTAIN INS CO INC	20680	66%	63%	382
STATE MUT INS CO	16020	56%	63%	255
SUNAPEE MUT FIRE INS CO	28479	42%	71%	109
VERMONT ACCIDENT INS CO INC	13110	70%	60%	72

▶ PROGRESSIVE

53%

58%

$2,976,334,108

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
AMERICAN STRATEGIC	10872	64%	56%	211,900
PROGRESSIVE CAS INS CO	24260	58%	61%	24,162
ASI LLOYDS	11059	45%	65%	16,316
ASI SELECT	14042	65%	58%	9,457
ASI PREFERRED	13142	19%	66%	6,778
PROGRESSIVE NORTHWESTERN INS CO	42919	26%	60%	4,767
ASI SELECT	14042	49%	54%	3,895
ASI HOME	11072	57%	65%	3,704
PROGRESSIVE SPECIALTY INS CO	32786	56%	60%	2,781
PROGRESSIVE NORTHERN INS CO	38628	88%	66%	1,036
ARTISAN & TRUCKERS CAS CO	10194	70%	69%	966
PROGRESSIVE PREFERRED INS CO	37834	53%	66%	518
ASI ASSUR	12196	16%	65%	480
PROGRESSIVE MI INS CO	10187	7%	66%	345
PROGRESSIVE CLASSIC INS CO	42994	31%	66%	259
PROGRESSIVE AMER INS CO	24252	19%	66%	173
PROGRESSIVE GULF INS CO	42412	67%	66%	173
PROGRESSIVE MOUNTAIN INS CO	35190	45%	66%	86
PROGRESSIVE SOUTHEASTERN INS CO	38784	83%	66%	86
PROGRESSIVE HI	10067	40%	40%	68
PROGRESSIVE SECURITY INS CO	10050	13%	31%	39
DRIVE NJ INS CO	11410	24%	18%	17
PROGRESSIVE ADVANCED INS CO	11851	9%	—	0
PROGRESSIVE DIRECT INS CO	16322	135%	—	0

▶ ZURICH

65%

44%

$132,395,176

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
ZURICH AMER INS CO	16535	65%	44%	20,152
FIDELITY & DEPOSIT CO OF MD	39306	63%	—	0

▶ Agraria Insurance Company

61%

47%

$28,309,298

▶ Norfolk & Dedham Mutual Fire Insurance Company

50%

58%

$40,873,624

▶ FARMERS

56%

51%

$20,340,206,207

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
FARMERS INS EXCH	21652	61%	48%	1,279,124
FOREMOST INS CO GRAND RAPIDS MI	11185	49%	59%	694,724
MID CENTURY INS CO	21687	60%	49%	390,039
TRUCK INS EXCH	21709	62%	49%	186,923
FIRE INS EXCH	21660	53%	48%	185,381
FARMERS INS CO OF OR	21636	33%	46%	160,483
ECONOMY FIRE & CAS CO	22926	69%	59%	33,634
CIVIC PROP & CAS CO	10315	105%	48%	24,718
EXACT PROP & CAS CO INC	10318	-10%	48%	24,718
FARMERS GRP PROP & CAS INS CO	34339	48%	56%	22,842
NEIGHBORHOOD SPIRIT PROP & CAS CO	10317	140%	47%	20,101
FARMERS INS CO INC	21628	51%	49%	15,188
FARMERS DIRECT PROP & CAS INS CO	25321	105%	63%	7,899
21ST CENTURY PREMIER INS CO	20796	54%	40%	2,807
FOREMOST PROP & CAS INS CO	11800	53%	—	0

▶ PLYMOUTH ROCK

47%

59%

$151,699,253

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
BUNKER HILL INS CAS CO	13643	43%	59%	928
BUNKER HILL INS CO	16037	42%	59%	928
BUNKER HILL PREFERRED INS CO	16035	36%	59%	928
BUNKER HILL PROP INS CO	16036	42%	59%	928
PLYMOUTH ROCK HOME ASSUR	10394	53%	59%	928

▶ AUTOMOBILE CLUB MI

48%

57%

$144,030,736

▶ HARTFORD FIRE & CAS

53%

51%

$2,847,743,194

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
HARTFORD FIRE INS CO	19682	30%	51%	157,031
HARTFORD ACCIDENT & IND CO	22357	58%	51%	123,696
HARTFORD UNDERWRITERS INS CO	30104	47%	51%	15,136
HARTFORD CAS INS CO	29424	43%	52%	12,476
HARTFORD INS CO OF IL	38288	19%	53%	6,335
TWIN CITY FIRE INS CO CO	29459	54%	51%	5,676
TRUMBULL INS CO	27120	56%	51%	1,892
HARTFORD INS CO OF THE MIDWEST	37478	42%	51%	1,486
PROPERTY & CAS INS CO OF HARTFORD	34690	53%	52%	1,134
SENTINEL INS CO LTD	11000	21%	52%	815
NUTMEG INS CO	39608	83%	53%	439
HARTFORD INS CO OF THE SOUTHEAST	38261	89%	53%	314
SENTINEL INS CO LTD	11000	60%	54%	150
HARTFORD LLOYDS INS CO	38253	75%	50%	6

▶ Lemonade Insurance Company

67%

36%

$863,405,159

▶ American Reliable Insurance Company

35%

66%

$19,526,983

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
American Reliable Insurance Company	19615	46%	67%	3,334
American Reliable Insurance Company	19615	19%	54%	207

▶ Sterling Insurance Company

42%

59%

$48,676,076

▶ ASSURANT INC

52%

48%

$2,933,825,876

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
AMERICAN BANKERS INS CO OF FL	10111	51%	48%	521,963
AMERICAN SECURITY INS CO	42978	66%	50%	8,853
VOYAGER IND INS CO	40428	33%	35%	1,387
STANDARD GUAR INS CO	42986	72%	68%	1,100

▶ IAT REINS CO GRP

46%

52%

$958,012,310

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
HARCO NATL INS CO	26433	47%	52%	13,596
TRANSGUARD INS CO OF AMER INC	28886	48%	52%	13,182
OCCIDENTAL FIRE & CAS CO OF NC	23248	47%	52%	5,675
WILSHIRE INS CO	13234	36%	53%	5,495
ACCEPTANCE IND INS CO	20010	46%	55%	2,497
ACCEPTANCE CAS INS CO	10349	43%	21%	14

100

▶ UTICA

43%

55%

$156,421,003

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
UTICA MUT INS CO	25976	42%	55%	17,804
GRAPHIC ARTS MUT INS CO	25984	35%	55%	879
FOUNDERS INS CO	14249	34%	48%	165
REPUBLIC FRANKLIN INS CO	12475	51%	48%	99
UTICA NATIONAL ASSUR CO	10687	85%	48%	66
UTICA NATL INS CO OF TX	43478	38%	48%	33

101

▶ Ocean Harbor Casualty Insurance Company

36%

59%

$314,898,582

102

▶ Benchmark Insurance Company

38%

51%

$463,283,729

103

▶ Windsor Mount Joy Mutual Insurance Company

46%

40%

$31,790,665

104

▶ AVENTUS INSURANCE COMPANY

41%

44%

$25,720,527

105

▶ Hyundai Marine & Fire Insurance Company, LTD

44%

40%

$151,825,101

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
HYUNDAI MARINE & FIRE INSURANCE COMPANY, LTD	10048	49%	40%	3,381
Hyundai Marine & Fire Insurance Company, LTD	10048	34%	—	0

106

▶ Spinnaker Insurance Company

41%

43%

$460,366,511

107

▶ MARKEL

31%

48%

$490,945,263

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
EVANSTON INS CO	35378	40%	53%	11,785
MARKEL AMER INS CO	28932	39%	52%	9,284
STATE NATL INS CO INC	12831	133%	38%	6,917
MARKEL INS CO	38970	32%	51%	6,023
NATIONAL SPECIALTY INS CO	22608	-307%	38%	3,556
UNITED SPECIALTY INS CO	12537	25%	63%	757
CITY NATL INS CO	41335	104%	43%	698
STATE NATL INS CO INC	12831	-29%	44%	196

108

▶ GEOVERA SPECIAL TY INSURANCE COMPANY

-19%

79%

$118,889,799

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
GEOVERA SPECIALTY INSURANCE COMPANY	10182	-9%	79%	5,275
GEOVERA SPECIAL TY INSURANCE COMPANY	10182	-29%	81%	68

109

▶ MAPFRE

45%

33%

$723,106,270

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
COMMERCE INS CO	34754	39%	33%	34,381
AMERICAN COMMERCE INS CO	19941	55%	29%	4,791
COMMERCE W INS CO	13161	56%	33%	3,170
MAPFRE INS CO	23876	52%	40%	1,773

110

▶ Sutton National Insurance Company

48%

26%

$798,661,957

111

▶ Sutton Specialty Insurance Company

26%

29%

$18,315,765

The value score is the average of two consumer-favorability percentages — cents returned per premium dollar (the loss ratio, capped at 100) and the claim-paid rate. A high loss ratio is value to policyholders but can also reflect a bad-loss year, so it's shown alongside the paid rate rather than treated as a quality score on its own. Both figures come from countrywide annual statements and say nothing about price.