These are the Insurance Companies that Don't Like to Pay
Many insurance companies have a reputation for making it difficult to get the payouts policyholders deserve. While they’re quick to collect premiums, they often employ delay tactics, request excessive documentation, or interpret policy language in their favor to minimize or deny claims. This is because their ultimate goal is to protect their bottom line—every dollar paid out in claims is a dollar off their profits. Some insurers even use complex contracts and fine print to create loopholes, leaving customers frustrated and financially vulnerable when they need help most. Ultimately, the less they pay, the more they keep, which is why understanding your policy and standing firm in your rights is essential.
Homeowners: Look up Your Insurance Company Here to Learn How Often They’ve Closed Claims with No Payment in 2024
(Includes U.S. property and casualty insurers with $1 million or more in homeowners premiums, representing 30% or more of business and with at least 2,000 homeowner or farmowner claims received and closed in 2024.)
| Insurance Company Name | State of Domicile | Total Claims Closed (number) | Closed with No Payment (number) | Closed with No Payment (% of total) |
|---|---|---|---|---|
| Adirondack Insurance Exchange | NY | 3,605 | 1,278 | 35.5% |
| Aegis Security Insurance Co. | PA | 4,857 | 1,244 | 25.6% |
| Agraria Insurance Co. | ND | 2,680 | 922 | 34.4% |
| Alfa Mutual Insurance Co. | AL | 9,040 | 1,188 | 13.1% |
| Allied Trust Insurance Co. | TX | 5,653 | 2,897 | 51.2% |
| Allstate Insurance Co. | IL | 952,222 | 474,384 | 49.8% |
| Allstate New Jersey Insurance Co. | IL | 19,277 | 9,978 | 51.8% |
| Allstate Texas Lloyd’s | TX | 25,075 | 12,471 | 49.7% |
| Allstate Vehicle & Property Insurance Co. | IL | 630,930 | 321,090 | 50.9% |
| Amer Family Mutual Insurance Co. S.I. | WI | 336,453 | 123,116 | 36.6% |
| Amer Integrity Insurance Co. of FL | FL | 8,838 | 5,713 | 64.6% |
| American Bankers Insurance Co. of FL | FL | 115,112 | 51,660 | 44.9% |
| American Mercury Insurance Co. | OK | 8,807 | 3,145 | 35.7% |
| American Mercury Lloyds Insurance Co. | TX | 6,940 | 2,487 | 35.8% |
| American Risk Insurance Co. | TX | 4,015 | 2,281 | 56.8% |
| American Strategic Insurance Corp. | IN | 79,591 | 32,930 | 41.4% |
| American Traditions Insurance Co. | FL | 10,514 | 3,032 | 28.8% |
| Amica Mutual Insurance Co. | RI | 28,254 | 7,966 | 28.2% |
| Armed Forces Insurance Exchange | KS | 2,494 | 871 | 34.9% |
| ASI Home Insurance Corp. | FL | 2,081 | 861 | 41.4% |
| ASI Lloyds | TX | 17,687 | 7,318 | 41.4% |
| ASI Preferred Insurance Corp. | FL | 7,531 | 4,012 | 53.3% |
| ASI Select Insurance Corp. | IN | 2,081 | 861 | 41.4% |
| Auto Club Indemnity Co. | TX | 24,312 | 10,262 | 42.2% |
| Auto Club Insurance Assn. | MI | 32,376 | 13,018 | 40.2% |
| Auto Club Insurance Co. of FL | FL | 4,250 | 1,746 | 41.1% |
| Automobile Insurance Co. of Hartford | CT | 2,734 | 145 | 5.3% |
| Auto-Owners Insurance Co. | MI | 139,039 | 22,082 | 15.9% |
| Branch Insurance Exchange | OH | 2,289 | 952 | 41.6% |
| California Automobile Insurance Co. | CA | 13,095 | 4,710 | 36.0% |
| Cambridge Mutual Fire Insurance Co. | MA | 3,044 | 678 | 22.3% |
| Castle Key Indemnity Co. | IL | 19,982 | 11,428 | 57.2% |
| Castle Key Insurance Co. | IL | 24,806 | 13,659 | 55.1% |
| Century-National Insurance Co. | CA | 2,238 | 769 | 34.4% |
| Chubb Lloyds Insurance Co. of Texas | TX | 2,744 | 159 | 5.8% |
| Cincinnati Casualty Co. | OH | 6,466 | 1,796 | 27.8% |
| Citizens Insurance Co. of the Midwest | IN | 14,187 | 3,953 | 27.9% |
| Citizens Insurance Co. of IL | IL | 3,129 | 653 | 20.9% |
| Citizens Property Insurance Corp. | FL | 64,196 | 24,562 | 38.3% |
| Concord General Mutual Insurance Co. | NH | 2,722 | 544 | 20.0% |
| COUNTRY Mutual Insurance Co. | IL | 49,329 | 20,162 | 40.9% |
| CSAA Affinity Insurance Co. | AZ | 2,271 | 571 | 25.1% |
| CSAA General Insurance Co. | IN | 17,505 | 4,477 | 25.6% |
| Cumberland Mutual Fire Insurance Co. | NJ | 2,642 | 601 | 22.7% |
| Cypress P&C Insurance Co. | FL | 2,956 | 1,157 | 39.1% |
| Economy F&C Co. | IL | 12,243 | 5,047 | 41.2% |
| Edison Insurance Co. | FL | 5,455 | 2,631 | 48.2% |
| Elevate Reciprocal Exchange | TX | 2,523 | 1,386 | 54.9% |
| Encompass Home & Auto Insurance Co. | IL | 3,898 | 1,167 | 29.9% |
| Encompass Indemnity Co. | IL | 10,343 | 2,328 | 22.5% |
| Encompass Independent Insurance Co. | IL | 4,631 | 1,235 | 26.7% |
| Encompass Insurance Co. | IL | 5,846 | 1,585 | 27.1% |
| Encompass Insurance Co. of America | IL | 3,203 | 740 | 23.1% |
| Erie Insurance Co. | PA | 5,256 | 1,050 | 20.0% |
| Executive Risk Indemnity Inc. | DE | 2,784 | 193 | 6.9% |
| Farm Bureau Mutual Insurance Co. of AR | AR | 14,974 | 4,268 | 28.5% |
| Farmers Automobile Insurance Assn. | IL | 2,861 | 687 | 24.0% |
| Farmers Direct P&C Insurance | RI | 7,280 | 3,260 | 44.8% |
| Farmers Insurance Exchange | CA | 110,546 | 45,486 | 41.1% |
| Farmers Lloyds Insurance Co. of TX | TX | 3,833 | 2,086 | 54.4% |
| Farmers New Century Insurance Co. | IL | 3,279 | 1,798 | 54.8% |
| Farmers P&C Insurance Co. | RI | 66,857 | 30,501 | 45.6% |
| Fire Insurance Exchange | CA | 16,021 | 6,592 | 41.1% |
| First Protective Insurance Co. | FL | 17,320 | 8,985 | 51.9% |
| Florida Peninsula Insurance Co. | FL | 9,170 | 4,843 | 52.8% |
| FMI Insurance Co. | NJ | 4,044 | 499 | 12.3% |
| Foremost Insurance Co. Grand Rapids | MI | 146,757 | 57,394 | 39.1% |
| Heritage P&C Insurance Co. | FL | 13,255 | 4,430 | 33.4% |
| High Point Preferred Insurance Co. | NJ | 8,256 | 2,920 | 35.4% |
| Homeowners Choice P&C Insurance Co. | FL | 8,621 | 4,064 | 47.1% |
| Homeowners of America Insurance Co. | TX | 17,864 | 9,629 | 53.9% |
| Homesite Indemnity Co. | WI | 9,015 | 3,947 | 43.8% |
| Homesite Insurance Co. of the MW | WI | 192,568 | 84,498 | 43.9% |
| Homesite Insurance Co. | WI | 81,980 | 36,401 | 44.4% |
| Homesite Insurance Co. of CA | CA | 8,940 | 4,284 | 47.9% |
| Homesite Insurance Co. of GA | GA | 10,374 | 4,228 | 40.8% |
| Homesite Insurance Co. of NY | NY | 5,151 | 1,855 | 36.0% |
| Homesite Lloyd’s of Texas | TX | 4,810 | 2,369 | 49.3% |
| Horace Mann Insurance Co. | IL | 6,054 | 1,668 | 27.6% |
| Kin Interinsurance Network | FL | 7,613 | 5,201 | 68.3% |
| LA Farm Bureau Mutual Insurance Co. | LA | 2,982 | 828 | 27.8% |
| Lemonade Insurance Co. | NY | 43,874 | 28,632 | 65.3% |
| Lititz Mutual Insurance Co. | PA | 3,431 | 774 | 22.6% |
| Loggerhead Reciprocal Interinsurance | FL | 2,456 | 1,262 | 51.4% |
| Mercury Casualty Co. | CA | 13,323 | 4,624 | 34.7% |
| Merrimack Mutual Fire Insurance Co. | MA | 4,347 | 968 | 22.3% |
| MIC General Insurance Corp. | MI | 3,974 | 1,250 | 31.5% |
| Monarch National Insurance Co. | FL | 4,787 | 62 | 1.3% |
| MS Farm Bureau Casualty Insurance Co. | MS | 10,388 | 2,087 | 20.1% |
| Narragansett Bay Insurance Co. | RI | 5,757 | 281 | 4.9% |
| National Summit Insurance Co. | TX | 5,467 | 1,553 | 28.4% |
| Nationwide Mutual Insurance Co. | OH | 108,057 | 17,942 | 16.6% |
| NC Farm Bureau Mutual Insurance Co. | NC | 56,239 | 14,165 | 25.2% |
| Northern Neck Insurance Co. | VA | 2,467 | 670 | 27.2% |
| NY Central Mutual Fire Insurance Co. | NY | 6,359 | 1,117 | 17.6% |
| Olympus Insurance Co. | FL | 2,092 | 1,294 | 61.9% |
| Orange Insurance Exchange | FL | 2,041 | 984 | 48.2% |
| Orion180 Insurance Co. | IN | 3,305 | 364 | 11.0% |
| Pacific Indemnity Co. | WI | 5,568 | 386 | 6.9% |
| Pacific Specialty Insurance Co. | CA | 7,745 | 3,149 | 40.7% |
| Palisades P&C Insurance Co. | NJ | 5,972 | 2,204 | 36.9% |
| Peerless Insurance Co. | NH | 60,521 | 24,648 | 40.7% |
| PEMCO Mutual Insurance Co. | WA | 6,501 | 2,386 | 36.7% |
| People’s Trust Insurance Co. | FL | 3,455 | 2,604 | 75.4% |
| Pioneer State Mutual Insurance Co. | MI | 3,806 | 1,003 | 26.4% |
| Preferred Mutual Insurance Co. | NY | 3,001 | 597 | 19.9% |
| Privilege Underwriters Reciprocal | FL | 6,432 | 2,673 | 41.6% |
| Progressive Property Insurance Co. | LA | 2,081 | 861 | 41.4% |
| Property-Owners Insurance Co. | IN | 6,082 | 1,053 | 17.3% |
| Safe Harbor Insurance Co. | FL | 2,810 | 1,245 | 44.3% |
| Safeco Insurance Co. of America | NH | 18,156 | 7,394 | 40.7% |
| Safeco Insurance Co. of Oregon | OR | 4,743 | 1,657 | 34.9% |
| Safepoint Insurance Co. | FL | 3,063 | 1,569 | 51.2% |
| Safeport Insurance Co. | FL | 2,149 | 956 | 44.5% |
| Security First Insurance Co. | FL | 4,964 | 2,808 | 56.6% |
| Slide Insurance Co. | FL | 18,553 | 9,333 | 50.3% |
| Southern Oak Insurance Co. | FL | 6,343 | 2,954 | 46.6% |
| Spinnaker Insurance Co. | IL | 27,874 | 16,905 | 60.6% |
| Standard Casualty Co. | TX | 3,721 | 1,175 | 31.6% |
| State Farm F&C Co. | IL | 1,044,668 | 333,315 | 31.9% |
| State Farm FL Insurance Co. | FL | 34,002 | 20,137 | 59.2% |
| State Farm General Insurance Co. | IL | 44,047 | 18,384 | 41.7% |
| State Farm Lloyds | TX | 153,028 | 63,636 | 41.6% |
| Stillwater Insurance Co. | CA | 21,414 | 8,749 | 40.9% |
| Stillwater P&C Insurance Co. | NY | 8,024 | 3,423 | 42.7% |
| SureChoice Underwriters Reciprocal | TX | 15,724 | 8,060 | 51.3% |
| Sutton National Insurance Co. | OK | 2,529 | 1,692 | 66.9% |
| Teachers Insurance Co. | IL | 4,813 | 1,326 | 27.6% |
| Tennessee Farmers Mutual Insurance Co. | TN | 34,079 | 6,958 | 20.4% |
| Texas FAIR Plan Assn. | TX | 5,570 | 2,535 | 45.5% |
| Texas Farm Bureau Mutual Insurance Co. | TX | 3,201 | 1,212 | 37.9% |
| Texas Farmers Insurance Co. | TX | 2,136 | 879 | 41.2% |
| Tower Hill Insurance Exchange | FL | 17,377 | 7,313 | 42.1% |
| Tower Hill Prime Insurance Co. | FL | 5,370 | 1,817 | 33.8% |
| TypTap Insurance Co. | FL | 8,200 | 3,440 | 42.0% |
| United Services Automobile Assn. | TX | 547,782 | 270,963 | 49.5% |
| Universal North America Insurance Co. | TX | 4,872 | 265 | 5.4% |
| Universal P&C Insurance Co. | FL | 63,166 | 25,308 | 40.1% |
| US Coastal P&C Insurance Co. | FL | 3,433 | 1,031 | 30.0% |
| USAA Casualty Insurance Co. | TX | 425,965 | 207,473 | 48.7% |
| USAA General Indemnity Co. | TX | 272,617 | 132,782 | 48.7% |
| VA Farm Bureau Mutual Insurance Co. | VA | 7,558 | 1,838 | 24.3% |
| Vermont Mutual Insurance Co. | VT | 4,915 | 1,263 | 25.7% |
| Total: | 6,773,050 | 2,849,260 | 42.1% |
Source: 2024 Company Annual Statement, Schedule P – Part 3A – Homeowners/Farmowners, column 11 & 12, row 11. Closed claims excludes some subsequently reopened.