Confirmed complaints against Texas homeowners insurers jumped 57.3% in 2025, to 1,153, while the number of policies stayed almost exactly where it was. We took the Texas Department of Insurance’s complaint-index dataset, downloaded it on October 28, 2026, and ranked all 84 homeowners insurers with at least 10,000 policies in force.
This study is for educational purposes only and is not personalized insurance advice. We are not licensed insurance agents. A complaint index is one input; coverage terms, deductibles and price matter as much.
Key Findings
- 1,153 confirmed complaints on 9,069,561 policies in 2025, against 733 on 9,050,846 in 2024. That is 1.27 complaints per 10,000 policies, up from 0.81.
- State Farm Lloyds drew more than a fifth of all complaints. The largest writer had 250 confirmed complaints (21.7% of the total) on 16.2% of policies, for an index of 1.34, up from 1.10.
- Lemonade was the low-complaint standout among big writers. Lemonade Insurance Company, fourth by size with 353,084 policies, had an index of 0.42 (19 complaints).
- Allstate Vehicle and Property Insurance Company (1.61) and Homesite Insurance Company (1.74) were the large writers furthest above average.
- 15 of the 84 insurers drew no confirmed complaints, and 55 were at or below the 1.00 average.
- The highest index belonged to Praetorian Insurance Company: 6.97, on 21 complaints and 23,688 policies.
How the Index Is Calculated
TDI’s dataset notes define it: “The complaint index is calculated by dividing the company’s percentage of complaints for a specific line of insurance by the company’s percentage of policies in force for the same line of insurance. The average index is 1.00.”
For State Farm Lloyds in 2025: 250 ÷ 1,153 = 21.7% of complaints; 1,468,920 ÷ 9,069,561 = 16.2% of policies; 21.7 ÷ 16.2 = 1.34.
Only complaints TDI confirmed against the company are counted, and the figures are reported by legal insurer. A brand can write through several companies. Allstate, for example, appears under five legal names in the 2025 homeowners data. We cover the brand view further down. For how Texas’s index compares with the NAIC’s national index and California’s ratio, see our guide to insurance complaint indexes.
The 12 Largest Homeowners Insurers
These 12 entities hold 5.11 million of the 8.82 million policies written by insurers above our 10,000-policy threshold.
The 12 largest writers
Four of the 12 are above average: Homesite (1.74), Allstate Vehicle and Property (1.61), State Farm Lloyds (1.34) and, narrowly, Travelers Personal (1.06). The other eight sit below 1.00, led by American Bankers Insurance Company of Florida (0.26), the Texas Windstorm Insurance Association (0.41) and Lemonade (0.42).
Two of the names are not ordinary insurers. The Texas Windstorm Insurance Association (TWIA) and the Texas FAIR Plan Association (127,835 policies, index 0.49) are the state’s residual-market providers. Their complaint indexes were both below average in 2025.
If you own a home on the coast, our guide to whether homeowners insurance covers flooding explains why wind and flood are usually separate policies.
The Highest Complaint Indexes
Highest complaint indexes (10,000+ policies)
The top of this chart is built on small counts: Praetorian’s 6.97 rests on 21 complaints, Encompass Independent’s 4.99 on 7 and Farmers Lloyds of Texas’s 4.01 on 6. American Economy Insurance Company is the most material entry: 42 complaints on 140,112 policies (2.36), more than double its 2024 index of 1.09. Liberty Mutual Personal Insurance Company was above 3 in both years (3.01, then 3.30).
Which Insurers Moved the Most
Complaints rose at almost every large writer. Among companies with 100,000+ policies, the biggest jumps in confirmed complaints from 2024 to 2025 were:
| Insurer | Complaints 2024 | Complaints 2025 | Index 2024 | Index 2025 |
|---|---|---|---|---|
| State Farm Lloyds | 128 | 250 | 1.10 | 1.34 |
| Allstate Vehicle and Property | 113 | 171 | 1.68 | 1.61 |
| Homesite Insurance Company | 26 | 65 | 1.21 | 1.74 |
| American Economy Insurance Company | 13 | 42 | 1.09 | 2.36 |
| Garrison Property and Casualty | 5 | 27 | 0.41 | 1.28 |
| Safeco Insurance Company of Indiana | 3 | 24 | 0.25 | 1.36 |
| Travelers Personal Insurance Company | 17 | 37 | 0.62 | 1.06 |
Two big writers moved the other way. American Bankers Insurance Company of Florida fell from 36 complaints (1.70) to 9 (0.26), and Mid-Century Insurance Company of Texas fell from 26 (2.15) to 18 (0.57) while its policy count grew by two thirds.
Confirmed complaints per 10,000 policies
The same jump shows up in auto, where confirmed complaints rose 55.6% (our Texas car insurance complaint index has the details). TDI’s dataset does not give a reason for either increase, so we don’t offer one.
The Big Brands, Combined
We added up every 2025 homeowners entity whose legal name contains the brand and recalculated the index against the 2025 average. Affiliates under other names are not included.
| Brand (entities included) | Policies | Confirmed complaints | Combined index 2025 | Combined index 2024 |
|---|---|---|---|---|
| Texas Farm Bureau (2) | 189,887 | 10 | 0.41 | 0.65 |
| Lemonade (1) | 353,084 | 19 | 0.42 | 0.56 |
| USAA and United Services Automobile Association (3) | 728,532 | 81 | 0.87 | 0.58 |
| Travelers (5) | 326,079 | 40 | 0.96 | 0.79 |
| State Farm (1) | 1,468,920 | 250 | 1.34 | 1.10 |
| Allstate (5) | 1,097,522 | 211 | 1.51 | 1.56 |
| Nationwide (4) | 75,633 | 15 | 1.56 | 2.70 |
| Homesite (3) | 363,054 | 73 | 1.58 | 1.01 |
Lemonade’s number is worth reading next to our Lemonade insurance review, which covers how its app-based claims process works. One more name to know: Spinnaker Insurance Company (107,409 policies, index 0.51, down from 1.72) is a subsidiary of Hippo Holdings, according to Hippo’s 2025 annual report. That report also says Hippo serves “as a capacity provider for other high-performing MGAs,” so Spinnaker’s figures are not Hippo’s own policies alone.
Full Ranking: Every Texas Homeowners Insurer With 10,000+ Policies
Sorted from the lowest complaint index to the highest, ties broken by size. A dash in the 2024 column means the company did not appear in the 2024 homeowners data.
| Rank | Insurer (legal entity) | Policies in force | Confirmed complaints | Complaint index 2025 | Index 2024 |
|---|---|---|---|---|---|
| 1 | Foremost Insurance Company Grand Rapids, Michigan | 73,459 | 0 | 0.00 | 0.36 |
| 2 | Liberty Mutual Insurance Company | 52,924 | 0 | 0.00 | 0.62 |
| 3 | Southern Vanguard Insurance Company | 49,955 | 0 | 0.00 | 1.54 |
| 4 | Hochheim Prairie Farm Mutual Insurance Association | 46,854 | 0 | 0.00 | 0.00 |
| 5 | Toggle Insurance Company | 41,248 | 0 | 0.00 | 0.00 |
| 6 | QBE Insurance Corporation | 35,856 | 0 | 0.00 | — |
| 7 | R.V.O.S. Farm Mutual Insurance Company | 32,868 | 0 | 0.00 | 0.36 |
| 8 | Orion 180 Insurance Company | 31,443 | 0 | 0.00 | — |
| 9 | Safeco Insurance Company of America | 28,076 | 0 | 0.00 | 0.00 |
| 10 | Progressive Casualty Insurance Company | 24,020 | 0 | 0.00 | 0.00 |
| 11 | Columbia Lloyds Insurance Company | 22,799 | 0 | 0.00 | 0.00 |
| 12 | Kin Interinsurance Nexus Exchange | 19,546 | 0 | 0.00 | 0.95 |
| 13 | Western Mutual Insurance Company | 15,441 | 0 | 0.00 | 0.89 |
| 14 | Aegis Security Insurance Company | 11,743 | 0 | 0.00 | 1.48 |
| 15 | Obsidian Insurance Company | 11,192 | 0 | 0.00 | 0.00 |
| 16 | American Modern Home Insurance Company | 107,729 | 1 | 0.07 | 0.11 |
| 17 | Trisura Insurance Company | 50,744 | 1 | 0.16 | 0.76 |
| 18 | Benchmark Insurance Company | 43,833 | 1 | 0.18 | 0.78 |
| 19 | American Bankers Insurance Company of Florida | 274,098 | 9 | 0.26 | 1.70 |
| 20 | American Security Insurance Company | 71,572 | 3 | 0.33 | 1.47 |
| 21 | Century-National Insurance Company | 23,944 | 1 | 0.33 | 0.00 |
| 22 | Safeport Insurance Company | 22,623 | 1 | 0.35 | 2.65 |
| 23 | Texas Farm Bureau Mutual Insurance Company | 152,633 | 7 | 0.36 | 0.66 |
| 24 | Travelers Lloyds of Texas Insurance Company | 20,439 | 1 | 0.38 | 2.17 |
| 25 | Foremost Lloyds of Texas | 100,631 | 5 | 0.39 | 0.38 |
| 26 | Safepoint Insurance Company | 20,020 | 1 | 0.39 | 0.00 |
| 27 | Texas Windstorm Insurance Association | 231,038 | 12 | 0.41 | 0.18 |
| 28 | American Modern Property and Casualty Insurance Company | 77,675 | 4 | 0.41 | 0.42 |
| 29 | Woodlands Insurance Company, The | 19,412 | 1 | 0.41 | 0.00 |
| 30 | Tower Hill Prime Insurance Company | 19,332 | 1 | 0.41 | 0.00 |
| 31 | Lemonade Insurance Company | 353,084 | 19 | 0.42 | 0.56 |
| 32 | Aventus Insurance Company | 36,662 | 2 | 0.43 | 0.00 |
| 33 | Allied Trust Insurance Company | 35,641 | 2 | 0.44 | 7.52 |
| 34 | One Alliance North America Insurance Company | 17,676 | 1 | 0.45 | 0.79 |
| 35 | Economy Preferred Insurance Company | 33,987 | 2 | 0.46 | 7.44 |
| 36 | Texas Fair Plan Association | 127,835 | 8 | 0.49 | 0.00 |
| 37 | Capitol County Mutual Fire Insurance Company | 32,169 | 2 | 0.49 | 0.00 |
| 38 | Homesite Indemnity Company | 15,727 | 1 | 0.50 | 0.00 |
| 39 | Spinnaker Insurance Company | 107,409 | 7 | 0.51 | 1.72 |
| 40 | Amica Mutual Insurance Company | 46,485 | 3 | 0.51 | 0.50 |
| 41 | Texas Farmers Insurance Company | 226,345 | 15 | 0.52 | 1.05 |
| 42 | Travelers Home and Marine Insurance Company, The | 29,435 | 2 | 0.53 | 1.33 |
| 43 | Mid-Century Insurance Company of Texas | 249,561 | 18 | 0.57 | 2.15 |
| 44 | Texas Farm Bureau Underwriters | 37,254 | 3 | 0.63 | 0.61 |
| 45 | American Summit Insurance Company | 11,778 | 1 | 0.67 | 0.00 |
| 46 | Evanston Insurance Company | 11,725 | 1 | 0.67 | 0.00 |
| 47 | Trisura Specialty Insurance Company | 11,723 | 1 | 0.67 | 0.00 |
| 48 | United Services Automobile Association | 272,482 | 24 | 0.69 | 0.37 |
| 49 | Germania Farm Mutual Insurance Association | 144,509 | 13 | 0.71 | 0.36 |
| 50 | ASI Lloyds | 382,938 | 36 | 0.74 | 0.46 |
| 51 | Chubb Lloyds Insurance Company of Texas | 20,839 | 2 | 0.75 | 0.00 |
| 52 | Fire Insurance Exchange | 18,865 | 2 | 0.83 | 0.95 |
| 53 | USAA Casualty Insurance Company | 254,542 | 28 | 0.87 | 0.50 |
| 54 | Underwriters At Lloyd’s, London | 34,677 | 4 | 0.91 | 0.86 |
| 55 | Palomar Specialty Insurance Company | 24,177 | 3 | 0.98 | 0.59 |
| 56 | Allstate Texas Lloyd’s | 107,313 | 14 | 1.03 | 0.69 |
| 57 | Homesite Lloyd’s of Texas | 53,351 | 7 | 1.03 | 0.47 |
| 58 | Auto Club Indemnity Company | 182,171 | 24 | 1.04 | 0.53 |
| 59 | Travelers Personal Insurance Company | 273,512 | 37 | 1.06 | 0.62 |
| 60 | USAA General Indemnity Company | 201,508 | 29 | 1.13 | 0.99 |
| 61 | Mercury Insurance Company of Texas | 82,780 | 12 | 1.14 | 1.43 |
| 62 | Standard Casualty Company | 19,581 | 3 | 1.21 | 1.76 |
| 63 | Hartford Insurance Company of the Southeast | 24,892 | 4 | 1.26 | 0.60 |
| 64 | Occidental Fire & Casualty Company of North Carolina | 37,017 | 6 | 1.27 | 2.14 |
| 65 | Garrison Property and Casualty Insurance Company | 165,880 | 27 | 1.28 | 0.41 |
| 66 | Allstate Indemnity Company | 122,547 | 20 | 1.28 | 1.62 |
| 67 | State Farm Lloyds | 1,468,920 | 250 | 1.34 | 1.10 |
| 68 | Safeco Insurance Company of Indiana | 138,791 | 24 | 1.36 | 0.25 |
| 69 | Allstate Fire and Casualty Insurance Company | 28,917 | 5 | 1.36 | 1.71 |
| 70 | Nationwide Mutual Insurance Company | 66,868 | 13 | 1.53 | 2.18 |
| 71 | Allstate Vehicle and Property Insurance Company | 833,407 | 171 | 1.61 | 1.68 |
| 72 | Agricultural Workers Mutual Auto Insurance Company | 14,363 | 3 | 1.64 | 1.11 |
| 73 | MS Transverse Insurance Company | 13,864 | 3 | 1.70 | 0.00 |
| 74 | Homesite Insurance Company | 293,976 | 65 | 1.74 | 1.21 |
| 75 | Hartford Accident and Indemnity Company | 12,512 | 3 | 1.89 | 2.74 |
| 76 | Privilege Underwriters Reciprocal Exchange | 11,995 | 3 | 1.97 | 1.03 |
| 77 | Ranchers and Farmers Mutual Insurance Company | 117,632 | 31 | 2.07 | 1.72 |
| 78 | Liberty Insurance Corporation | 20,247 | 6 | 2.33 | 1.25 |
| 79 | American Economy Insurance Company | 140,112 | 42 | 2.36 | 1.09 |
| 80 | Triassic Insurance Company | 23,107 | 8 | 2.72 | 0.00 |
| 81 | Liberty Mutual Personal Insurance Company | 47,655 | 20 | 3.30 | 3.01 |
| 82 | Farmers Lloyds Insurance Company of Texas | 11,780 | 6 | 4.01 | 2.57 |
| 83 | Encompass Independent Insurance Company | 11,044 | 7 | 4.99 | 1.81 |
| 84 | Praetorian Insurance Company | 23,688 | 21 | 6.97 | 1.69 |
How to Use This When You Shop
- Find the legal insurer on your declarations page or quote. “State Farm Lloyds” and “Allstate Vehicle and Property Insurance Company” are what the state records, not the ad slogans.
- Read count and index together. Praetorian’s 6.97 rests on 21 complaints; State Farm Lloyds’ 1.34 rests on 250.
- Check the policy, not just the company. Complaints are often about claims. Know whether your dwelling is settled at actual cash value or replacement cost, what your wind and hail deductible is, and how roof claims are paid.
- Look at the trend. A company whose index doubled in a year (American Economy, Garrison, Safeco of Indiana) tells you something different from one that has been above average for years (Liberty Mutual Personal).
- If you’ve been dropped, our guide to homeowners insurance non-renewal covers your options, including the residual market.
Methodology
- Source. TDI’s open dataset Complaint indexes and policy counts for insurance companies (data.texas.gov ID
pa9u-9s9w), downloaded through its public API on October 28, 2026. - Scope. Line of coverage “Homeowners,” years 2024 (239 companies) and 2025 (230 companies).
- Threshold. Companies with at least 10,000 policies in force in 2025: 84 insurers holding 97.2% of policies and drawing 96.5% of confirmed complaints.
- Index. Each company’s index is TDI’s published figure. Market totals, per-10,000 rates, shares and brand combinations are our arithmetic on TDI’s counts.
- Brand combinations use a legal-name match only and are recalculated against the same year’s market average.
- Limits. No adjustment for region, home value, policy form or catastrophe exposure.
FAQ
Which Texas homeowners insurer has the fewest complaints?
Fifteen of the 84 Texas homeowners insurers with at least 10,000 policies drew no confirmed complaints in 2025, led by size by Foremost Insurance Company Grand Rapids, Michigan (73,459 policies) and Liberty Mutual Insurance Company (52,924). Among the 12 largest writers, American Bankers Insurance Company of Florida had the lowest complaint index, 0.26.
Is State Farm a good home insurer in Texas based on complaints?
On TDI’s 2025 data, State Farm Lloyds had a complaint index of 1.34, meaning about a third more confirmed complaints than an average insurer of its size. It drew 250 of the state’s 1,153 confirmed homeowners complaints while holding 16.2% of policies. Its index was 1.10 in 2024.
How many homeowners insurance complaints were there in Texas in 2025?
The Texas Department of Insurance’s dataset shows 1,153 confirmed homeowners complaints in 2025, up from 733 in 2024, an increase of 57.3%. Homeowners policies in force were nearly flat, at 9,069,561 against 9,050,846.
Do TWIA and the Texas FAIR Plan get complaints?
Yes, but relatively few. The Texas Windstorm Insurance Association had 12 confirmed complaints on 231,038 policies (index 0.41) and the Texas FAIR Plan Association had 8 on 127,835 (index 0.49) in TDI’s 2025 data.