Texas Homeowners Insurance Complaints by Insurer (2021 to 2025)

Key Findings

• Complaints are mostly about claims. Of 20,752 homeowners complaints naming an insurer, 80.9% cited a claim handling, delay, settlement or denial reason.
• The largest insurers have the most complaints by raw count. State Farm Lloyds (2,801) and Allstate Vehicle and Property Insurance Company (2,630) led all companies from 2021 through 2025. They were also the two largest Texas homeowners writers by policies in force in 2025, with 1,468,920 and 833,407 policies.
• Adjusted for size, results vary widely. Among the 34 companies with at least 50,000 Texas homeowners policies, TDI's 2025 complaint index ranged from 0.00 to 2.36. The average is 1.00. State Farm Lloyds was 1.34 and Allstate Vehicle and Property was 1.61.
• Confirmed complaints rose faster than total complaints. TDI confirmed 327 homeowners complaints received in 2022 and 1,284 received in 2025. Across the market, TDI's figures work out to 0.81 confirmed complaints per 10,000 policies in 2024 and 1.27 in 2025.

Complaint Index: Largest Texas Homeowners Insurers (2025)

TDI's own complaint index for homeowners insurance, for every company with at least 50,000 Texas homeowners policies in force at year end 2025, sorted from highest to lowest. TDI calculates the index as a company's share of confirmed homeowners complaints divided by its share of homeowners policies in force. 1.00 is average. The index is published per company, not per insurance group.

State Farm, Allstate, Farmers and USAA Compared

Totals for each group's Texas companies. Raw counts are all homeowners complaints naming a company in the group, 2021 through 2025. The per 10,000 figure and the group index are CRS calculations from TDI's 2025 confirmed complaint and policy counts, using TDI's index formula applied to the group's combined companies.

Most Complaints by Company (Raw Counts, 2021 to 2025)

The 20 insurance companies named in the most Texas homeowners complaints. Raw counts are not adjusted for company size. Large insurers will have more complaints simply because they cover more homes. "Confirmed" means TDI recorded the complaint as confirmed in its data.

Top Complaint Reasons

Reasons TDI recorded on homeowners complaints against insurers, 2021 through 2025. One complaint can list several reasons, so percentages add to more than 100.

Homeowners Complaints by Year

All Texas homeowners line complaints by the year TDI received them, including complaints against agents and adjusters. 2026 through mid October: 3,114 complaints, 924 confirmed so far.

What Homeowners Can Do

1. Document everything. Keep your policy, claim number, adjuster names, photos and every letter or email. Ask for a denial or partial denial in writing.
2. Ask the insurer first. Request a supervisor or a re-inspection if you disagree with a decision. Most policies also have a written process for disputes.
3. Consider appraisal if the dispute is about the amount. Many Texas homeowners policies have an appraisal clause. Each side picks an appraiser and an umpire settles differences. Appraisal generally addresses how much the loss is worth, not whether it is covered. Read your policy's wording.
4. File a complaint with TDI. TDI accepts complaints online at tdi.texas.gov or through its Consumer Help Line at 800-252-3439. TDI will ask the company to respond.
5. Get professional advice for complex disputes. A licensed attorney or public adjuster can explain options. Deadlines can apply.

For carrier specific roof claim guidance, see State Farm roof claims in Texas, Allstate roof claims in Texas, Farmers roof claims in Texas, USAA roof claims in Texas and our overview of Texas roof claims by insurance carrier. For hail risk data, see the Texas Hail Study.

Methodology

• Sources. Texas Department of Insurance data on data.texas.gov: Insurance complaints: All data (one row per party named in a complaint) and Complaint indexes and policy counts for insurance companies. Both were retrieved on 2026-10-18.
• Scope. Complaints with coverage type "Homeowners" received January 1, 2021 through December 31, 2025. This includes homeowners, rental, condominium, mobile homeowner and farm or ranch owner policies; standard homeowners policies are 91% of complaints.
• Counting. Company tables count complaints naming a licensed or surplus lines insurer, TWIA or the Texas FAIR Plan. Yearly totals count each complaint number once. Reasons are TDI's coded reasons, split where a complaint lists several. "Claim related" means the reason mentions claim handling, settlement or denial.
• Normalization. TDI publishes a homeowners complaint index based on confirmed complaints and policies in force, which we report as published for 2024 and 2025. TDI does not publish a homeowners index for 2021 to 2023 in this dataset, so the five year company ranking is raw counts. Written premium figures were not used.
• Groups. TDI reports individual companies. CRS combined companies by name for the State Farm, Allstate, Farmers and USAA groups; members are listed under that table.
• NAIC. The NAIC Consumer Insurance Search tool reports national complaint indexes by company. This study uses Texas data from TDI only.
• Caveats. A complaint is an allegation; most are not confirmed. Complaint counts do not measure claim outcomes, and roof or hail claims cannot be separated in public TDI data. Policy counts are as reported to TDI at year end; some companies show identical counts in 2024 and 2025 as published. Records may be revised by TDI. This study does not rate or recommend any insurer.

Free to Use

Free to use with credit and a link to CRS Roofing & Construction. Please cite "CRS Roofing & Construction analysis of Texas Department of Insurance complaint data" and link to https://crsroofer.com/texas-homeowners-insurance-complaints-study.