Company Complaint Information

Company Profile



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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
2023	136	37	55	44	23
2022	151	27	106	18	10
2021	97	46	40	11	21

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
2023	Homeowners	CIC	678(a)(1)	An insurer shall deliver to the named insured an offer to renew at least 45 days in advance.	2
2023	Homeowners	CIC	1861.05a	Excessive, inadequate, unfairly discriminatory rates	5
2023	Homeowners	CCR	2694a5	Failed to respond or did not provide a complete response	2
2023	Homeowners	CCR	2694a3	In contravention of own rules, policies, procedures, guidelines	7
2023	Homeowners	CCR	2644.9(i)	Insurer shall provide information regarding right to appeal; receive and respond to policyholder/applicant appeals within the specified timelines.	11
2023	Homeowners	CCR	2644.9(h)(3)	Insurer shall provide policyholder with risk score or classification at least 75 days prior to nonrenewal.	4
2023	Homeowners	CIC	679.5	Proof of mailing property insurance	1
2023	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.	3
2023	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.	12
2023	Homeowners	CCR	2644.9(k)(3)(B)	Insurer shall provide the policyholder/applicant the amount of premium reduction that would be realized as a result of performing each mitigation measure.	10
2023	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.	11
2023	Homeowners	CCR	2695.5(a)	Must respond to the California Department of Insurance within 21 calendar days.	2
2023	Homeowners	CIC	678(a)(1)(B)(i)	Notice of nonrenewal shall contain the specific reason(s) for the nonrenewal.	1
2023	Homeowners	CCR	2644.9(k)(3)	Insurer shall provide policyholder/applicant a detailed written explanation of the assigned score or classification.	6

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
2023	Homeowners	21.43	.834	3.05	3.65

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