Company Profile
Company Complaint Information

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Company Performance
In compliance with California Insurance Code § 12921.1, the California Department of Insurance conducted a Consumer Complaint Study of all admitted insurance carriers. The company performance table provides the complaints determined by the department to require that corrective action be taken against the insurer, or leading to insurer compromise, or other remedy for the complainant, those that are found to be without merit, those with other outcomes, and justified complaints. Justified complaints often require additional review, as violations of California insurance laws may exist.

Year Closed Complaints
(TOTAL of Categories 1-3)
Category 1:
Complaints found to require corrective action, leading to insurer compromise, or other remedy for the complainant.
Category 2:
Complaints found to be without Merit.
Category 3:
Complaints with Other Outcomes
Category 4:
Justified Complaints
2024 76 11 44 21 9
2023 46 9 17 20 3
2022 44 5 25 14 3

Violation Study

The following table represents number and type of violations found, by reference to the line of insurance and law allegedly violated.

Year Line of Coverage Law Section Summarized Description of Law # of Alleged Violations
2024 Homeowners CCR 2360.2 Eligibility guidelines 6
2024 Homeowners CIC 1861.05a Excessive, inadequate, unfairly discriminatory rates 6
2024 Homeowners CCR 2644.9(i) Insurer shall provide information regarding right to appeal; receive and respond to policyholder/applicant appeals within the specified timelines. 2
2024 Homeowners CCR 2644.9(h)(3) Insurer shall provide policyholder with risk score or classification at least 75 days prior to nonrenewal. 2
2024 Homeowners CIC 677.4 Requirements for cancellation notices for policies covered by the CIC 675 1
2024 Homeowners CCR 2644.9(k)(1) Insurer shall provide policyholder/applicant the range of scores or classification that could possibly be assigned to any policyholder or applicant. 2
2024 Homeowners CCR 2644.9(k)(2) Insurer shall provide policyholder/applicant the relative position of the score or classification and the impact on the rate or premium. 2
2024 Homeowners CCR 2644.9(k)(3)(A) Insurer shall provide to the policyholder/applicant which mitigation measure(s) can be taken to lower the score or classification. 2
2024 Homeowners CIC 678(c)(1) Nonrenewals on or after 7/1/2020 shall require at least 75 days notice prior to expiration; notices issued effective 7/1/22 must comply with CCP 1013 if mailed. 1
2024 Homeowners CCR 2644.9(k)(3) Insurer shall provide policyholder/applicant a detailed written explanation of the assigned score or classification. 2

If complaint data does not appear for this company, this link will provide you with an explanation.
To view the California Insurance Code (CIC), Click here
To view the California Code of Regulations (CCR), Click here

Comparison Data

The information below is for complaints closed during the study period for this insurance company. The table provides the Justified Complaint Ratio, Market Share, Complaint Share, and Index for this company, grouped by the line of coverage the company was authorized to sell in this study period.

Year Line of Coverage JustifiedComplaint Ratio Market Share Complaint Share Index
2024 Homeowners 18.52 .380 .67 1.78

If complaint data does not appear for this company, this link will provide you with an explanation.


Last Revised - December 03, 2007 11:57 AM
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