Which home insurance company denies the most claims?

Which insurance company denies the most claims?

According to the Weiss Study, Allstate and USAA closed the most claims without payment in 2024, among large insurers.

Of the companies with at least $1 million in homeowners insurance premiums with a minimum of 50,000 claims, five Allstate and USAA companies accounted for close to half of all claims closed without payment in 2024. Those companies are:

Allstate Vehicle & Property Insurance Co.
Allstate Insurance Co.
United Services Automobile Association
USAA Casualty Insurance Co.
USAA General Indemnity

Among the 14 largest reporting insurers, an average of 48% of claims were closed without payment.

YOU SHOULD KNOW: Where each company had the most claims filed impacts how many are denied. For example, many homeowners insurance companies denied claims for flooding after hurricane damage because home insurance doesn’t cover floods. So, insurers with more policies in affected areas would have more claim denials.

The table below shows the 14 largest insurance companies that reported claims data, how many claims they closed, and what percent were closed without payment in 2024.

Homeowners insurance companies ranked by percentage of claims closed without payment in 2024
Company (state of domicile)	Claims closed	Claims closed without payment (%)
Allstate Vehicle & Ppty Ins Co (IL)	630,930	50.9%
Allstate Insurance Co. (IL)	952,222	49.8%
United Svcs Automobile Assn (TX)	547,782	49.5%
USAA Casualty Insurance Co. (TX)	425,965	48.7%
USAA General Indemnity (TX)	272,617	48.7%
Farmers Ppty & Cas Ins Co. (RI)	66,857	45.6%
American Bankers Ins Co. of FL (FL)	115,112	44.9%
Homesite Insurance Co. (WI)	81,980	44.4%
Homesite Ins Co. of the MW (WI)	192,568	34.30%
State Farm Lloyds (TX)	153,028	41.6%
American Strategic Ins Corp. (IN)	79,591	41.4%
Farmers Insurance Exchange (CA)	110,546	41.1%
Peerless Insurance Co. (NH)	60,521	40.7%
Universal P&C Insurance Co. (FL)	63,166	40.1%
Total (14 largest reporting)	3,752,885	AVG: 48.0%
Total (ALL reporting)	6,773,050	AVG: 42.1%

To find out how your insurance company ranks for denied claims, search the table below for the full report.

Claims satisfaction scores and survey results for home insurance companies
Insurance company	Total claims closed	Closed with no payment	% closed with no payment
Adirondack Insurance Exchange	3605	1278	35.50%
Aegis Security Insurance Co.	4857	1244	25.60%
Agraria Insurance Co.	2680	922	34.40%
Alfa Mutual Insurance Co.	9040	1188	13.10%
Allied Trust Insurance Co.	5653	2897	51.20%
Allstate Insurance Co.	952222	474384	49.80%
Allstate New Jersey Insurance Co.	19277	9978	51.80%
Allstate Texas Lloyd's	25075	12471	49.70%
Allstate Vehicle & Property Insurance Co.	630930	321090	50.90%
Amer Family Mutual Insurance Co. S.I.	336453	123116	36.60%
Amer Integrity Insurance Co. of FL	8838	5713	64.60%
American Bankers Insurance Co. of FL	115112	51660	44.90%
American Mercury Insurance Co.	8807	3145	35.70%
American Mercury Lloyds Insurance Co.	6940	2487	35.80%
American Risk Insurance Co.	4015	2281	56.80%
American Strategic Insurance Corp.	79591	32930	41.40%
American Traditions Insurance Co.	10514	3032	28.80%
Amica Mutual Insurance Co.	28254	7966	28.20%
Armed Forces Insurance Exchange	2494	871	34.90%
ASI Home Insurance Corp.	2081	861	41.40%
ASI Lloyds	17687	7318	41.40%
ASI Preferred Insurance Corp.	7531	4012	53.30%
ASI Select Insurance Corp.	2081	861	41.40%
Auto Club Indemnity Co.	24312	10262	42.20%
Auto Club Insurance Assn.	32376	13018	40.20%
Auto Club Insurance Co. of FL	4250	1746	41.10%
Automobile Insurance Co. of Hartford	2734	145	5.30%
Auto-Owners Insurance Co.	139039	22082	15.90%
Branch Insurance Exchange	2289	952	41.60%
California Automobile Insurance Co.	13095	4710	36.00%
Cambridge Mutual Fire Insurance Co.	3044	678	22.30%
Castle Key Indemnity Co.	19982	11428	57.20%
Castle Key Insurance Co.	24806	13659	55.10%
Century-National Insurance Co.	2238	769	34.40%
Chubb Lloyds Insurance Co. of Texas	2744	159	5.80%
Cincinnati Casualty Co.	6466	1796	27.80%
Citizens Insurance Co. of the Midwest	14187	3953	27.90%
Citizens Insurance Co. of IL	3129	653	20.90%
Citizens Property Insurance Corp.	64196	24562	38.30%
Concord General Mutual Insurance Co.	2722	544	20.00%
COUNTRY Mutual Insurance Co.	49329	20162	40.90%
CSAA Affinity Insurance Co.	2271	571	25.10%
CSAA General Insurance Co.	17505	4477	25.60%
Cumberland Mutual Fire Insurance Co.	2642	601	22.70%
Cypress P&C Insurance Co.	2956	1157	39.10%
Economy F&C Co.	12243	5047	41.20%
Edison Insurance Co.	5455	2631	48.20%
Elevate Reciprocal Exchange	2523	1386	54.90%
Encompass Home & Auto Insurance Co.	3898	1167	29.90%
Encompass Indemnity Co.	10343	2328	22.50%
Encompass Independent Insurance Co.	4631	1235	26.70%
Encompass Insurance Co.	5846	1585	27.10%
Encompass Insurance Co. of America	3203	740	23.10%
Erie Insurance Co.	5256	1050	20.00%
Executive Risk Indemnity Inc.	2784	193	6.90%
Farm Bureau Mutual Insurance Co. of AR	14974	4268	28.50%
Farmers Automobile Insurance Assn.	2861	687	24.00%
Farmers Direct P&C Insurance	7280	3260	44.80%
Farmers Insurance Exchange	110546	45486	41.10%
Farmers Lloyds Insurance Co. of TX	3833	2086	54.40%
Farmers New Century Insurance Co.	3279	1798	54.80%
Farmers P&C Insurance Co.	66857	30501	45.60%
Fire Insurance Exchange	16021	6592	41.10%
First Protective Insurance Co.	17320	8985	51.90%
Florida Peninsula Insurance Co.	9170	4843	52.80%
FMI Insurance Co.	4044	499	12.30%
Foremost Insurance Co. Grand Rapids	146757	57394	39.10%
Heritage P&C Insurance Co.	13255	4430	33.40%
High Point Preferred Insurance Co.	8256	2920	35.40%
Homeowners Choice P&C Insurance Co.	8621	4064	47.10%
Homeowners of America Insurance Co.	17864	9629	53.90%
Homesite Indemnity Co.	9015	3947	43.80%
Homesite Insurance Co. of the MW	192568	84498	43.90%
Homesite Insurance Co.	81980	36401	44.40%
Homesite Insurance Co. of CA	8940	4284	47.90%
Homesite Insurance Co. of GA	10374	4228	40.80%
Homesite Insurance Co. of NY	5151	1855	36.00%
Homesite Lloyd's of Texas	4810	2369	49.30%
Horace Mann Insurance Co.	6054	1668	27.60%
Kin Interinsurance Network	7613	5201	68.30%
LA Farm Bureau Mutual Insurance Co.	2982	828	27.80%
Lemonade Insurance Co.	43874	28632	65.30%
Lititz Mutual Insurance Co.	3431	774	22.60%
Loggerhead Reciprocal Interinsurance	2456	1262	51.40%
Mercury Casualty Co.	13323	4624	34.70%
Merrimack Mutual Fire Insurance Co.	4347	968	22.30%
MIC General Insurance Corp.	3974	1250	31.50%
Monarch National Insurance Co.	4787	62	1.30%
MS Farm Bureau Casualty Insurance Co	10388	2087	20.10%
Narragansett Bay Insurance Co.	5757	281	4.90%
National Summit Insurance Co.	5467	1553	28.40%
Nationwide Mutual Insurance Co.	108057	17942	16.60%
NC Farm Bureau Mutual Insurance Co.	56239	14165	25.20%
Northern Neck Insurance Co.	2467	670	27.20%
NY Central Mutual Fire Insurance Co.	6359	1117	17.60%
Olympus Insurance Co.	2092	1294	61.90%
Orange Insurance Exchange	2041	984	48.20%
Orion180 Insurance Co.	3305	364	11.00%
Pacific Indemnity Co.	5568	386	6.90%
Pacific Specialty Insurance Co.	7745	3149	40.70%
Palisades P&C Insurance Co.	5972	2204	36.90%
Peerless Insurance Co.	60521	24648	40.70%
PEMCO Mutual Insurance Co.	6501	2386	36.70%
People's Trust Insurance Co.	3455	2604	75.40%
Pioneer State Mutual Insurance Co.	3806	1003	26.40%
Preferred Mutual Insurance Co.	3001	597	19.90%
Privilege Underwriters Reciprocal	6432	2673	41.60%
Progressive Property Insurance Co.	2081	861	41.40%
Property-Owners Insurance Co.	6082	1053	17.30%
Safe Harbor Insurance Co.	2810	1245	44.30%
Safeco Insurance Co. of America	18156	7394	40.70%
Safeco Insurance Co. of Oregon	4743	1657	34.90%
Safepoint Insurance Co.	3063	1569	51.20%
Safeport Insurance Co.	2149	956	44.50%
Security First Insurance Co.	4964	2808	56.60%
Slide Insurance Co.	18553	9333	50.30%
Southern Oak Insurance Co.	6343	2954	46.60%
Spinnaker Insurance Co.	27874	16905	60.60%
Standard Casualty Co.	3721	1175	31.60%
State Farm F&C Co.	1044668	333315	31.90%
State Farm FL Insurance Co.	34002	20137	59.20%
State Farm General Insurance Co.	44047	18384	41.70%
State Farm Lloyds	153028	63636	41.60%
Stillwater Insurance Co.	21414	8749	40.90%
Stillwater P&C Insurance Co.	8024	3423	42.70%
SureChoice Underwriters Reciprocal	15724	8060	51.30%
Sutton National Insurance Co.	2529	1692	66.90%
Teachers Insurance Co.	4813	1326	27.60%
Tennessee Farmers Mutual Insurance Co.	34079	6958	20.40%
Texas FAIR Plan Assn.	5570	2535	45.50%
Texas Farm Bureau Mutual Insurance Co.	3201	1212	37.90%
Texas Farmers Insurance Co.	2136	879	41.20%
Tower Hill Insurance Exchange	17377	7313	42.10%
Tower Hill Prime Insurance Co.	5370	1817	33.80%
TypTap Insurance Co.	8200	3440	42.00%
United Services Automobile Assn.	547782	270963	49.50%
Universal North America Insurance Co.	4872	265	5.40%
Universal P&C Insurance Co.	63166	25308	40.10%
US Coastal P&C Insurance Co.	3433	1031	30.00%
USAA Casualty Insurance Co.	425965	207473	48.70%
USAA General Indemnity Co.	272617	132782	48.70%
VA Farm Bureau Mutual Insurance Co.	7558	1838	24.30%
Vermont Mutual Insurance Co.	4915	1263	25.70%

Which insurance company is best at paying claims?

A high rate of claim denials doesn't necessarily indicate a poor claims-handling experience. The Insurance.com 2026 best home insurance companies survey found that USAA had the highest claims-handling score, at 87% satisfaction. American Family, Erie and Nationwide all tied at 84% in second place.

J.D. Power's annual Property Claims Satisfaction Study [2025] put Chubb (not rated in our survey) on top. USAA is not ranked due to eligibility requirements in either survey, but its score with J.D. Power puts it in second place. Amica took third.

The table below details top homeowners insurance companies and how they stack up for claims handling.

Best home insurance companies in Alaska

Graph

Table

Insurance.com survey results and J.D. Power claims satisfaction scores by company
Company	Insurance.com survey*	JD Power claims satisfaction survey**
Allstate	82%	665
American Family	84%	680
Amica	83%	745
Auto-Owners	62%	719
Chubb	N/R	773
Erie	84%	705
Farmers	76%	676
Liberty Mutual	79%	707
Nationwide	84%	709
State Farm	79%	661
Progressive	65%	697
Safeco	68%	644
The Hartford	69%	725
Travelers	76%	678
USAA	87%	746

*Percent of customers who said they were satisfied with claims service in our 2026 survey

**Score out of 1,000

Why do insurance companies deny claims?

Common reasons for home insurance claim denials include:

Lack of coverage for the specific event. Home insurance excludes certain types of damage, including floods and earthquakes. “Some policies exclude wind damage, so if you suffer damage from a severe windstorm event like a hurricane or tornado, you will not have coverage,” says Friedlander.
The damage was below the deductible. The deductible is the amount you must pay before your insurance kicks in. If the cost of repairs is less than your deductible, insurance won’t cover anything. “This is especially true for homeowners who have a separate wind/hail deductible from their standard home deductible. The wind hail deductible is typically between 2% to 5% of the dwelling coverage limit of your policy, which could be a substantial amount that the policyholder is responsible for before any claim payment is made by your insurer,” Friedlander says.
Missing documentation. Your claim can be denied if you don’t supply pictures, receipts or other documents needed to verify the claim.
Negligence or failure to maintain the property. Insurance will deny the claim if your negligence was responsible for the damage. For example, a tree in your yard was dead and you didn't remove it, and it then fell on your house.
Delays in reporting damage or missed deadlines. Your claim must be reported within a specific time period, and all deadlines met. Your insurer will give you a timeline of when documents are due and may deny your claim if deadlines aren’t met.

Insurers follow strict guidelines to determine whether to pay or deny a claim. While insurers don’t dismiss a claim out of hand, it must meet specific criteria to be approved.

“There are numerous reasons why a home insurance claim may be denied. Among the most common is a lack of coverage. For example, a flood insurance claim filed with your home insurer. Standard home policies do not cover flood so those types of claims will always be denied,” says Mark Friedlander, director of corporate communications for the Insurance Information Institute (Triple-I), a consumer resource.

“Some other reasons for denied claims include lack of documentation, nonpayment of premium, not meeting the claim filing deadline after the loss, or wear and tear, such as a roof that has not been well maintained,” he says.

People ask

Does a denied home insurance claim count against you?

It may. Denied claims stay on your record and may affect home insurance rates in the future, as insurers see you as more likely to file a claim, even if it doesn't result in a payout.

How to fight a denied insurance claim

It can be frustrating if your insurer denies a claim you feel is valid. Fortunately, there are things you can do if your homeowners insurance claim is denied.

Steps to take if your insurance company denies your claim include:

Review your insurance policy and the denial letter. Go through the denial letter and determine if your policy offers the coverage needed for the claim. List any other reasons for the denial and ensure you have a counterpoint for each one.
Gather more documentation. Your denial may be based on insufficient evidence, so gather any additional receipts, pictures, police reports and anything mentioned in the denial.
File an appeal. You may appeal the denial with your insurer. If you do so, include any missing information and explanations in the denial letter.
Contact your state’s Insurance Department. Every state has a regulatory office that receives complaints. File a complaint about your insurer to allow them to investigate.
Hire a lawyer. If you feel you’re not progressing with the claims process, you can hire a lawyer to continue it. The downside is the lawyer's cost, but hiring an attorney should complete the process.

“If you have questions or concerns about a denied claim, we recommend asking your insurance agent for guidance. Many states also have an arbitration process for appealing denied claims,” Friedlander says.

How to avoid a denied home insurance claim

Following the claims procedure is essential to avoid a denied homeowners insurance claim. Ways to avoid a denied claim include:

Choosing the right coverage before a loss can happen. Sit down with your agent or get on the phone with an insurance company representative annually to review your coverage and discuss any potential gaps.
Review your deductible to ensure you can afford it if you need to pay it, and that it's at a level where you can file any claims you can't afford to pay for out of pocket.
Calling your insurer to understand the claims process thoroughly; you can make a call to discuss the damage before you file a claim and get clarity on whether it's likely to be covered.
Checking your policy to find out of the source of damage is excluded from coverage.
Gathering all pertinent information and documentation so that your claim is as strong as possible.
Completing all tasks by the insurer’s deadline.

Following your insurer’s claim process can help your claim be approved faster and prevent denied claims.

How can you make sure your insurer will pay claims?

While many home insurance claims are denied for legitimate reasons, you can reduce your risk of being insured by a company that has a poor reputation for claims by researching its reputation before you buy a policy. Consider the following data points:

NAIC (National Association of Insurance Commissioners) Complaint Index, which tracks legitimate complaints against insurance companies.
J.D. Power Property Insurance Claims Study, an annual study that looks at customer satisfaction with the claims process of major insurance companies.
AM Best financial ratings, which give you a look at a company's financial health and therefore its risk of being unable to pay claims
Verified customer reviews and expert resources that look at insurance companies objectively.

FAQ: Denied home insurance claims

What is the most common reason for a claim to be denied?

The most common reason a home insurance claim is denied is that the cause of the damage is not covered by the policy.

How often are claims denied?

On average, 42% of all claims are denied according the Weiss study. However, denial rates vary by company; among the major carriers, that number rises to 48%.

Which insurance company denies the fewest claims?

Among major insurers, Chubb (5.8%), Auto-Owners (15.9%) and Nationwide (16.6%) had the lowest rate of claims denial in the Weiss study. Some small insurers had lower rates.

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