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: BERKSHIRE HATHAWAY — score 89

Line-average loss ratio: 65%

Line-average claim-paid rate: 54%

Groups ranked: 43

Group

Value score

Loss ratio

Claim-paid rate

Earned premium

Companies

▶ BERKSHIRE HATHAWAY

108%

78%

$914,054,796

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
NATIONAL IND CO	20087	—	78%	16,781
NORGUARD INS CO	31470	—	78%	14,925
AMGUARD INS CO	42390	108%	78%	11,608
EASTGUARD INS CO	14702	—	76%	1,974
RSUI IND CO	22314	—	17%	83
UNITED STATES LIAB INS CO	25895	40%	48%	60
US UNDERWRITERS INS CO	35416	47%	30%	40
BERKSHIRE HATHAWAY SPECIALTY INS CO	22276	—	—	0
CENTRAL STATES IND CO OF OMAHA	34274	—	—	0
COLUMBIA INS CO	27812	—	—	0
FAIR AMER INS & REINS CO	35157	—	—	0
GEICO CAS CO	41491	—	—	0
GEICO GEN INS CO	35882	—	—	0
GEICO IND CO	22055	—	—	0
GEICO MARINE INS CO	37923	—	—	0
GENERAL STAR NATL INS CO	11967	—	—	0
GENESIS INS CO	38962	—	—	0
GOVERNMENT EMPLOYEES INS CO	22063	—	—	0
MEDICAL PROTECTIVE CO	11843	—	—	0
WELLFLEET NY INS CO	20931	—	—	0

▶ TRAVELERS

80%

87%

$3,567,746,188

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
ST PAUL FIRE & MARINE INS CO	24767	—	87%	150,991
TRAVELERS CAS & SURETY CO	19038	26%	87%	124,013
STANDARD FIRE INS CO	19070	94%	87%	29,479
UNITED STATES FIDELITY & GUAR CO	25887	—	87%	26,853
TRAVELERS CAS INS CO OF AMER	19046	—	87%	16,614
TRAVELERS IND CO OF CT	25682	80%	87%	8,321
NORTHLAND INS CO	24015	—	87%	7,409
TRAVELERS COMMERCIAL INS CO	36137	23%	87%	2,849
FARMINGTON CAS CO	41483	26%	87%	2,296
TRAVELERS PROP CAS CO OF AMER	25674	67%	87%	2,177
TRAVELERS PROP CAS INS CO	36161	61%	88%	1,812
ST PAUL PROTECTIVE INS CO	19224	43%	87%	893
TRAVELERS CAS CO OF CT	36170	—	87%	726
TRAVELERS COMMERCIAL CAS CO	40282	—	87%	726
ST PAUL MERCURY INS CO	24791	—	87%	620
NORTHLAND CAS CO	24031	—	87%	212
ST PAUL GUARDIAN INS CO	24775	—	88%	152
FIDELITY & GUAR INS CO	35386	—	—	0
TRAVELERS CAS & SURETY CO OF AMER	31194	—	—	0

▶ Motors Insurance Corporation

98%

69%

$29,264,288

▶ AUTO CLUB ENTERPRISES

130%

57%

$2,723,222,202

▶ CENTRAL MUT INS CO GRP

71%

$146,423,748

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
CENTRAL MUT INS CO	20230	71%	71%	3,990
ALL AMER INS CO	20222	—	71%	760

▶ CSE Safeguard Insurance Company

83%

59%

$69,863,332

▶ BROOKFIELD REINS LTD GRP

72%

68%

$902,149,704

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
AMERICAN NATIONAL PROP & CAS CO	28401	73%	68%	49,518
ARGONAUT INS CO	19801	23%	62%	583
AMERICAN NATL GEN INS CO	39942	100%	57%	395
ARGONAUT MIDWEST INS CO	19828	—	—	0
COLONY SPECIALTY INS CO	36927	—	—	0

▶ NATIONWIDE

61%

78%

$8,148,220,363

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
NATIONWIDE MUT INS CO	23787	64%	78%	337,872
NATIONWIDE AGRIBUSINESS INS CO	28223	61%	78%	10,783
NATIONAL CAS CO	11991	203%	78%	3,594
NATIONWIDE INS CO OF AMER	25453	67%	78%	3,594
NATIONWIDE GEN INS CO	23760	46%	79%	774
SCOTTSDALE IND CO	15580	23%	39%	49
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
FREEDOM SPECIALTY INS CO	22209	—	—	0
HARLEYSVILLE INS CO	23582	88%	—	0
NATIONWIDE PROP & CAS INS CO	37877	28%	—	0

▶ California Casualty Indemnity Exchange

78%

60%

$311,840,150

▶ WESTFIELD

65%

70%

$196,288,133

▶ Pacific Specialty Insurance Company

75%

61%

$515,839,907

▶ CHUBB

60%

75%

$10,218,730,883

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
ACE AMER INS CO	22667	1105%	75%	25,928
FEDERAL INS CO	20281	82%	75%	25,928
ACE PROP & CAS INS CO	20699	75%	75%	20,742
PACIFIC IND CO	20346	41%	75%	20,742
EXECUTIVE RISK IND INC	35181	44%	75%	10,371
VIGILANT INS CO	20397	45%	78%	6,702
CHUBB IND INS CO	12777	46%	79%	3,910
CENTURY IND CO	20710	—	0%	73
ACE FIRE UNDERWRITERS INS CO	20702	—	—	0
AGRI GEN INS CO	42757	—	—	0
BANKERS STANDARD INS CO	18279	95%	—	0
CHUBB NATL INS CO	10052	45%	—	0
GREAT NORTHERN INS CO	20303	47%	—	0
INDEMNITY INS CO OF NORTH AMER	43575	—	—	0
INSURANCE CO OF N AMER	22713	12%	—	0
PACIFIC EMPLOYERS INS CO	22748	32%	—	0
WESTCHESTER FIRE INS CO	10030	—	—	0

▶ CINCINNATI FINANCIAL

75%

54%

$2,373,653,705

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
THE CINCINNATI INS CO	10677	74%	55%	22,610
THE CINCINNATI CAS CO	28665	78%	53%	14,930

▶ Civil Service Employees Insurance Company

70%

59%

$28,338,164

▶ AMERICAN FAMILY

66%

62%

$4,047,697,854

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
HOMESITE INS CO OF THE MIDWEST	13927	63%	63%	273,779
AMERICAN FAMILY CONNECT PROP & CAS I	29068	75%	60%	35,222
HOMESITE INS CO OF CA	11005	75%	48%	28,869
MIDVALE IND CO	27138	—	71%	843

▶ THE HANOVER

58%

68%

$1,721,635,969

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
HANOVER INS CO	22292	57%	67%	68,928
CITIZENS INS CO OF AMER	31534	44%	68%	61,850
MASSACHUSETTS BAY INS CO	22306	67%	68%	22,737
HANOVER AMER INS CO	36064	236%	69%	75
ALLMERICA FIN BENEFIT INS CO	41840	—	—	0
CAMPMED CAS & IND CO INC	12260	—	—	0
NOVA CAS CO	42552	—	—	0
VERLAN FIRE INS CO MD	10815	—	—	0

▶ CSAA

60%

66%

$2,539,848,773

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
CSAA INS EXCH	15539	50%	65%	73,526
CSAA GEN INS CO	37770	83%	68%	34,304
CSAA FIRE & CAS INS CO	10921	95%	70%	772
MOBILITAS INS CO	16392	—	—	0

▶ MERCURY GEN

63%

60%

$824,769,487

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
CALIFORNIA AUTOMOBILE INS CO	38342	63%	59%	38,966
MERCURY CAS CO	11908	68%	61%	28,352
ORION IND CO	13250	—	—	0

▶ UNITED SERV AUTOMOBILE ASSN

72%

50%

$29,545,102,761

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
USAA	25941	70%	49%	1,538,620
USAA CAS INS CO	25968	74%	50%	873,191
USAA GEN IND CO	18600	72%	50%	778,776
GARRISON PROP & CAS INS CO	21253	75%	50%	438,061

▶ DB Insurance Co., Ltd.(U.S. Branch)

83%

37%

$312,643,822

▶ MUNICH RE

59%

$2,005,560,114

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
AMERICAN MODERN HOME INS CO	23469	32%	59%	16,887
AMERICAN FAMILY HOME INS CO	23450	23%	59%	14,072
AMERICAN MODERN PROP & CAS INS CO	42722	66%	59%	9,851
AMERICAN SOUTHERN HOME INS CO	41998	-6938%	59%	2,814
HARTFORD STEAM BOIL INSPEC & INS CO	11452	—	—	0

▶ ALLSTATE

67%

50%

$11,993,975,114

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
ALLSTATE INS CO	19232	77%	50%	2,755,910
ALLSTATE IND CO	19240	49%	47%	239,968
INTEGON NATL INS CO	29742	80%	65%	47,855
ALLSTATE PROP & CAS INS CO	17230	54%	56%	40,562
ENCOMPASS INS CO	10358	68%	63%	21,407
MIC GEN	38660	59%	63%	12,410
NATIONAL FARMERS UNION PROP & CAS	16217	73%	61%	4,672
NATIONAL GEN INS CO	23728	71%	55%	1,829
NATIONAL GEN ASSUR CO	42447	52%	58%	1,489
CENTURY NATL INS CO	26905	46%	54%	1,476
ESURANCE PROP & CAS INS CO	30210	63%	40%	1,378
INTEGON PREFERRED INS CO	31488	4%	9%	35
NATIONAL GEN PREMIER INS CO	12832	—	100%	2

▶ AIG

54%

63%

$1,439,076,812

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
NATIONAL UNION FIRE INS CO OF PITTSB	19445	49%	63%	92,419
AMERICAN HOME ASSUR CO	19380	76%	63%	84,497
COMMERCE & INDUSTRY INS CO	19410	48%	63%	5,225
AIG PROP CAS CO	19402	54%	—	0
AIU INS CO	19399	—	—	0
BLACKBOARD INS CO	26611	—	—	0
GRANITE STATE INS CO	23809	—	—	0
INSURANCE CO OF THE STATE OF PA	19429	60%	—	0
NEW HAMPSHIRE INS CO	23841	110819%	—	0
STRATFORD INS CO	40436	—	—	0

▶ PROGRESSIVE

57%

60%

$361,051,590

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
PROGRESSIVE CAS INS CO	24260	58%	60%	11,720
ASI SELECT	14042	58%	59%	4,197
UNITED FINANCIAL CAS CO	11770	—	65%	2,161
PROGRESSIVE NORTHWESTERN INS CO	42919	27%	56%	858
PROGRESSIVE SPECIALTY INS CO	32786	43%	56%	500
PROGRESSIVE ADVANCED INS CO	11851	9%	—	0
PROGRESSIVE DIRECT INS CO	16322	135%	—	0

▶ WR BERKLEY

58%

59%

$467,585,125

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
BERKLEY INS CO	32603	58%	59%	2,956
BERKLEY REGIONAL INS CO	29580	—	—	0
CAROLINA CAS INS CO	10510	—	—	0
STARNET INS CO	40045	—	—	0

▶ LIBERTY MUTUAL

58%

57%

$16,451,022,708

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
LIBERTY MUT INS CO	23043	65%	57%	492,792
EMPLOYERS INS CO OF WAUSAU	21458	—	57%	78,847
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
PEERLESS INS CO	24198	39%	53%	41,485
AMERICAN ECONOMY INS CO	19690	40%	—	0
AMERICAN FIRE & CAS CO	24066	46%	—	0
AMERICAN STATES INS CO	19704	26%	—	0
AMERICAN STATES INS CO OF TX	19712	-10%	—	0
AMERICAN STATES PREFERRED INS CO	37214	21%	—	0
FIRST LIBERTY	33588	24%	—	0
FIRST NATL INS CO OF AMER	24724	128%	—	0
GENERAL INS CO OF AMER	24732	86%	—	0
GOLDEN EAGLE	10836	—	—	0
INSURANCE CO OF IL	26700	43%	—	0
IRONSHORE IND INC	23647	1393%	—	0
LIBERTY	42404	59%	—	0
LIBERTY INS UNDERWRITERS INC	19917	—	—	0
LIBERTY NORTHWEST	41939	—	—	0
LM GEN INS CO	36447	22%	—	0
LM	33600	20%	—	0
LM PROP & CAS INS CO	32352	6%	—	0
NETHERLANDS INS CO THE	24171	-18%	—	0
PEERLESS IND INS CO	18333	43%	—	0
SAFECO INS CO OF IL	39012	69%	—	0
WEST AMER INS CO	44393	284%	—	0

▶ AMICA MUTUAL

56%

57%

$2,245,942,673

▶ TRISURA

48%

65%

$160,201,339

▶ ZURICH

65%

46%

$132,395,176

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
ZURICH AMER INS CO	16535	65%	46%	8,134
EMPIRE FIRE & MARINE INS CO	21326	—	—	0
FIDELITY & DEPOSIT CO OF MD	39306	63%	—	0

▶ FARMERS

56%

51%

$18,855,357,333

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
FARMERS INS EXCH	21652	61%	48%	563,431
FOREMOST INS CO GRAND RAPIDS MI	11185	49%	59%	414,695
MID CENTURY INS CO	21687	60%	49%	168,762
TRUCK INS EXCH	21709	62%	49%	82,237
FIRE INS EXCH	21660	53%	48%	81,657
FARMERS INS CO OF OR	21636	22%	42%	24,092
CIVIC PROP & CAS CO	10315	-4%	48%	10,888
EXACT PROP & CAS CO INC	10318	-10318%	48%	10,888
ECONOMY FIRE & CAS CO	22926	58%	56%	10,597
NEIGHBORHOOD SPIRIT PROP & CAS CO	10317	-3469%	48%	5,642
21ST CENTURY PREMIER INS CO	20796	54%	38%	2,110
21ST CENTURY CENTENNIAL INS CO	34789	—	—	0
FOREMOST PROP & CAS INS CO	11800	53%	—	0

▶ National Security Fire & Casualty Company

32%

73%

$20,152,191

▶ HARTFORD FIRE & CAS

51%

53%

$2,371,243,610

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
HARTFORD FIRE INS CO	19682	30%	53%	70,569
HARTFORD ACCIDENT & IND CO	22357	58%	53%	55,588
HARTFORD UNDERWRITERS INS CO	30104	47%	53%	6,802
HARTFORD CAS INS CO	29424	45%	54%	2,752
TWIN CITY FIRE INS CO CO	29459	54%	53%	2,551
HARTFORD INS CO OF THE MIDWEST	37478	42%	53%	850
PROPERTY & CAS INS CO OF HARTFORD	34690	53%	53%	850
TRUMBULL INS CO	27120	55%	53%	536
SENTINEL INS CO LTD	11000	34%	53%	510
FIRST STATE INS CO	21822	—	—	0
NAVIGATORS INS CO	42307	—	—	0

▶ Lemonade Insurance Company

67%

34%

$863,405,159

▶ AUTO OWNERS

44%

55%

$194,051,093

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
CALIFORNIA CAPITAL INS CO	13544	44%	55%	4,325
EAGLE W INS CO	12890	54%	55%	1,133
MONTEREY INS CO	23540	—	55%	779

▶ ASSURANT INC

50%

49%

$1,185,591,333

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
AMERICAN BANKERS INS CO OF FL	10111	48%	48%	87,547
AMERICAN SECURITY INS CO	42978	66%	50%	4,326
STANDARD GUAR INS CO	42986	72%	71%	852

▶ IAT REINS CO GRP

46%

52%

$944,052,693

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
HARCO NATL INS CO	26433	47%	52%	2,655
TRANSGUARD INS CO OF AMER INC	28886	48%	52%	2,574
WILSHIRE INS CO	13234	36%	52%	1,904
OCCIDENTAL FIRE & CAS CO OF NC	23248	47%	52%	1,108
ALLEGHENY CAS CO	13285	—	—	0
INTERNATIONAL FIDELITY INS CO	11592	—	—	0

▶ UTICA

39%

57%

$81,567,179

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
UTICA MUT INS CO	25976	42%	57%	9,260
GRAPHIC ARTS MUT INS CO	25984	10%	68%	194

▶ Ocean Harbor Casualty Insurance Company

36%

59%

$314,898,582

▶ Benchmark Insurance Company

38%

52%

$463,283,729

▶ MAPFRE

55%

30%

$266,308,066

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
AMERICAN COMMERCE INS CO	19941	55%	30%	2,975
COMMERCE W INS CO	13161	56%	30%	1,560
MAPFRE INS CO	23876	52%	30%	696

▶ Spinnaker Insurance Company

41%

35%

$460,366,511

▶ Sutton National Insurance Company

48%

26%

$798,661,957

▶ MARKEL

16%

54%

$309,873,838

Member companies (largest first)

Company	NAIC	Loss ratio	Claim-paid rate	Reported claims
MARKEL INS CO	38970	32%	54%	4,249
MARKEL AMER INS CO	28932	39%	54%	2,529
STATE NATL INS CO INC	12831	73%	58%	845
SURETEC INS CO	10916	—	54%	809
NATIONAL SPECIALTY INS CO	22608	-307%	59%	422
ESSENTIA INS CO	37915	—	—	0

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.