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2006 Homeowner Insurance Complaint Comparison
Published by the Maine Bureau of Insurance
John Elias Baldacci
Governor
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 2006. 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 2006;
the number of complaints received from consumers against that insurer during 2006;
and
a complaint index that compares the share of complaints to the share of premiums written in 2006. We
have also included the complaint index for 2005.
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 2006 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/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 |
2006 Complaint Index |
2005 Complaint Index |
2006 Written Premium in Maine |
Number of Complaints |
| Allstate Insurance Group |
1.3 |
1.2 |
$18,777,346 |
7 |
| Amica Mutual Group |
0.9 |
1.9 |
$3,766,199 |
1 |
| Andover Group
(Cambridge Mutual & Merrimack Mutual) |
0 |
0.2 |
$7,937,457 |
0 |
| Chubb & Son, Inc. |
0.7 |
0.0 |
$10,369,074 |
2 |
| Concord Group |
1.2 |
1.6 |
$14,950,989 |
5 |
| Country Insurance and Financial Services Group
(Includes Middlesex Mutual) |
1.1 |
0.3 |
$6,280,360 |
2 |
| Hanover Insurance Group |
0.6 |
1.5 |
$11,529,157 |
2 |
Horace Mann Group |
0 |
0.9 |
$4,422,755 |
0 |
| Liberty Mutual Group (Includes Peerless) |
1.2 |
0.8 |
$25,819,987 |
9 |
| Metropolitan Group |
2.5 |
0.5 |
$4,249,877 |
3 |
| MMG Insurance Company |
0.9 |
0.9 |
$16,387,312 |
4 |
| National Grange Mutual Ins Group |
0 |
1.8 |
$5,573,408 |
0 |
| Nationwide Corp |
1.2 |
1.3 |
$3,082,354 |
1 |
Patriot Group |
1.1 |
0.3 |
$6,313,503 |
2 |
| Quincy Mutual Group (Patron’s Oxford) |
0.6 |
1.8 |
$11,764,813 |
2 |
| State Farm IL |
0.6 |
0.7 |
$28,483,398 |
5 |
| St Paul Travelers Group |
1.8 |
0.9 |
$9,772,468 |
5 |
| Union Mutual-VT
(Includes Union Mutual Fire & New Eng Guar) |
0 |
0.2 |
$7,876,206 |
0 |
| United Services Automobile Assoc. Group (USAA) |
0.4 |
0.9 |
$9,118,803 |
1 |
| Vermont Mutual Group |
0.7 |
0.7 |
$10,675,048 |
2 |
| White Mountains Group (Includes York) |
0.5 |
0.9 |
$23,627,622 |
3 |
| Zurich Insurance Group (Includes Maine Bonding) |
1.5 |
1.6 |
$11,717,662 |
5 |
| Total |
|
|
$252,495,798 |
61 |
GROUP NAME with COMPANY NAMES
ALLSTATE INS GROUP
ALLSTATE INDEMNITY COMPANY
ALLSTATE INSURANCE COMPANY
ENCOMPASS INSURANCE COMPANY OF AMERICA
AMICA MUTUAL GROUP
AMICA MUTUAL INSURANCE COMPANY
ANDOVER GROUP
CAMBRIDGE MUTUAL FIRE INS COMPANY
MERRIMACK MUTUAL FIRE INS COMPANY
CHUBB & SON, INC
FEDERAL INSURANCE COMPANY
GREAT NORTHERN INSURANCE COMPANY
PACIFIC INDEMNITY COMPANY
VIGILANT INSURANCE COMPANY
CONCORD GROUP
CONCORD GENERAL MUTUAL INS COMPANY
GREEN MOUNTAIN INS COMPANY INC
STATE MUTUAL INSURANCE COMPANY
COUNTRY INSURANCE & FINANCIAL SERVICES GROUP
MIDDLESEX MUTUAL ASSURANCE COMPANY
HANOVER INSURANCE GROUP
CITIZENS INSURANCE COMPANY OF AMERICA
HANOVER INSURANCE COMPANY
MASSACHUSETTS BAY INSURANCE COMPANY
HORACE MANN GROUP
HORACE MANN INSURANCE COMPANY
TEACHERS INSURANCE COMPANY
LIBERTY MUTUAL GROUP
LIBERTY MUTUAL FIRE INSURANCE COMPANY
NETHERLANDS INSURANCE COMPANY, THE
PEERLESS INSURANCE COMPANY
METROPOLITAN GROUP
METROPOLITAN PROPERTY & CASUALTY INS COMPANY
MMG INSURANCE COMPANY
MMG INSURANCE COMPANY
NATIONAL GRANGE MUTUAL INS GROUP
NGM INS COMPANY
NATIONWIDE CORP
NATIONWIDE MUTUAL FIRE INSURANCE COMPANY
NATIONSIDE MUTUAL INSURANCE COMPANY
PATRIOT GROUP
PATRIOT MUTUAL INS COMPANY
QUINCY MUTUAL GROUP
PATRONS OXFORD INSURANCE COMPANY
ST PAUL TRAVELERS GROUP
AUTOMOBILE INS COMPANY OF HARTFORD CT
STANDARD FIRE INSURANCE COMPANY
TRAVELERS HOME & MARINE INS COMPANY
TRAVELERS INDEMNITY COMPANY OF AMERICA
TRAVELERS INDEMNITY COMPANY OF CT
STATE FARM IL
STATE FARM FIRE AND CASUALTY COMPANY
UNION MUTUAL-VT
NEW ENGLAND GUARANTY INS COMPANY INC
UNION MUTUAL FIRE INSURANCE COMPANY
UNITED SERVICES AUTOMOBILE ASSOC GROUP
GARRISON PROPERTY & CASUALTY INSURANCE COMPANY
UNITED SERVICES AUTO ASSOC
USAA CASUALTY INSURANCE COMPANY
USAA GENERAL INDEMNITY COMPANY
VERMONT MUTUAL GROUP
NORTHERN SECURITY INS COMPANY INC
VERMONT MUTUAL INSURANCE COMPANY
WHITE MOUNTAINS GROUP
YORK INSURANCE COMPANY OF MAINE
ZURICH INSURANCE GROUP
ASSURANCE COMPANY OF AMERICA
EMPIRE FIRE & MARINE INSURANCE COMPANY
FARMERS INSURANCE EXCHANGE
FIDELITY DEPOSIT COMPANY OF MD
FOREMOST INSURANCE COMPANY
FOREMOST PROPERTY & CASUALTY INS COMPANY
MAINE BONDING & CASUALTY COMPANY
MARYLAND CASUALTY COMPANY
NORTHERN INS COMPANY OF NEW YORK
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