Which home insurance company denies the most claims?

Company	Percent of claims closed without payment
Mid-Century Insurance Co. of TX	78%
Lemonade Insurance Co.	64%
Spinnaker Insurance Co.	61%
Citizens Property Insurance Exchange	61%
Fire Insurance Exchange (Farmers)	55%
Farmers Insurance Exchange	55%
Castle Key Indemnity Co.	55%
Homeowners of America Insurance Co.	54%
State Farm Florida Ins. Co.	53%
Castle Key Insurance Co.	51%
USAA Casualty Insurance Co.	51%
USAA General Indemnity Co.	51%
USAA	51%
Stillwater Insurance Co.	50%
Slide Insurance Co.	50%

Which insurance company denies the most claims?

According to the Weiss Study, Mid-Century Insurance Company of Texas denied the most claims in 2025, at 78%, followed by Lemonade Insurance (64%) and Spinnaker Insurance (61%).

On the other side, the insurance companies with the lowest percentage of claims closed without payment are MS Farm Bureau Casualty Ins. Co. at 8%, Homesite Insurance at 9% and Alfa Mutual at 13%

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.

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

Insurance Company	Total claims closed	Closed with no payment	% closed with no payment
Aegis Security Insurance Co.	2,762	706	26%
Agraria Insurance Co.	2,364	750	32%
Alfa Mutual Insurance Co.	9,859	1,308	13%
Allstate Insurance Co.	799,205	373,285	47%
Allstate New Jersey Insurance Co.	15,748	7,549	48%
Allstate Texas Lloyd's	14,402	5,833	41%
Allstate Vehicle & Property Insurance Co.	520,085	242,194	47%
American Family Mutual Insurance Co. S.I.	269,922	103,762	38%
American Integrity Insurance Co. FL	3,917	1,984	51%
American Bankers Insurance Co. FL	82,069	39,713	48%
American Family Insurance Co.	41,599	14,757	36%
American Mercury Insurance Co.	6,389	2,374	37%
American Mercury Lloyds Insurance Co.	4,758	1,767	37%
American Strategic Insurance Corp.	55,452	22,054	40%
American Traditions Insurance Co.	2,289	793	35%
Amica Mutual Insurance Co.	19,289	5,676	29%
Arkansas Farm Bureau Insurance Co.	15,527	3,841	25%
ASI Lloyds	12,323	4,901	40%
ASI Preferred Insurance Corp.	2,106	808	38%
Auto Club Indemnity Co.	18,107	6,400	35%
Auto Club Insurance Assn.	30,914	13,904	45%
Auto-Owners Insurance Co.	114,430	19,816	17%
Benchmark Insurance Co.	2,325	1,027	44%
California Automobile Insurance Co.	11,710	3,766	32%
Cambridge Insurance Co.	2,439	527	22%
Castle Key Indemnity Co.	7,483	4,097	55%
Castle Key Insurance Co.	9,644	4,947	51%
Cincinnati Casualty Co.	8,413	2,407	29%
Citizens Insurance Co. of the Midwest	10,608	3,702	35%
Citizens Property Insurance Corp.	16,296	9,878	61%
Columbia Lloyds Insurance Co.	2,013	437	22%
Cumberland Mutual Fire Insurance Co.	2,368	579	25%
Economy Fire & Casualty Co.	10,155	4,217	42%
Economy Preferred Insurance Co.	4,930	2,007	41%
Edison Insurance Co.	2,773	962	35%
Encompass Home & Auto Insurance Co.	5,332	1,879	35%
Encompass Indemnity Co.	5,641	1,856	33%
Encompass Independent Insurance Co.	3,218	1,063	33%
Encompass Insurance Co.	12,741	4,536	36%
Encompass Insurance Co. of America	2,793	982	35%
Erie Insurance Co.	5,503	961	18%
Esurance Insurance Co.	3,917	1,775	45%
Executive Risk Indemnity Inc.	2,442	144	6%
Farmers & Mechanics Mutual (WV)	2,267	479	21%
Farmers Casualty Insurance Co.	3,541	1,727	49%
Farmers Direct Property & Casualty Ins.	4,496	2,171	48%
Farmers Insurance Exchange	168,450	93,487	56%
Farmers New Century Insurance Co.	2,441	1,355	56%
Farmers Property & Casualty Insurance Co.	47,103	21,838	46%
Fire Insurance Exchange	24,413	13,549	56%
First Protective Insurance Co.	7,135	3,256	46%
Florida Peninsula Insurance Co.	3,648	1,218	33%
FMI Insurance Co.	3,235	597	19%
Foremost Insurance Co. Grand Rapids	112,615	47,839	43%
Heritage Property & Casualty Insurance Co.	3,293	884	27%
High Point Preferred Insurance Co.	6,613	2,417	37%
Homebound Insurance Exchange	6,091	1,872	31%
Homeowners Choice P&C Insurance Co.	3,076	930	30%
Homeowners of America Insurance Co.	6,973	3,735	54%
Homesite Indemnity Co.	8,751	4,024	46%
Homesite Insurance Co. of the MW	170,509	72,152	42%
Homesite Insurance Co.	43,165	3,708	9%
Homesite Insurance Co. of CA	7,838	3,708	47%
Homesite Insurance Co. of GA	5,389	2,044	38%
Homesite Insurance Co. of NY	4,897	1,814	37%
Horace Mann Insurance Co.	4,298	1,160	27%
Kin Interinsurance Network	3,019	1,678	56%
Lemonade Insurance Co.	40,263	25,767	64%
Lititz Mutual Insurance Co.	3,279	648	20%
Manatee Insurance Exchange	2,534	1,121	44%
Massachusetts Bay Insurance Co.	4,796	1,656	35%
Mercury Casualty Co.	9,876	3,699	38%
Merrimack Mutual Fire Insurance Co.	3,483	752	22%
MIC General Insurance Corp.	2,705	850	31%
Mid-Century Insurance Co. of TX	17,908	14,031	78%
Monarch National Insurance Co.	3,157	40	1%
MS Farm Bureau Casualty Insurance Co.	8,154	614	8%
Narragansett Bay Insurance Co.	3,900	255	7%
National Summit Insurance Co.	3,417	999	29%
Nationwide Mutual Insurance Co	67,931	10,119	15%
NC Farm Bureau Mutual Insurance Co.	36,950	10,209	28%
Northern Neck Insurance Co.	2,252	650	29%
NY Central Mutual Fire Insurance Co.	5,955	1,109	19%
One Alliance North America Insurance Co.	2,923	180	6%
Orion180 Insurance Co.	2,550	1,099	43%
Orion180 Select Insurance Co.	2,960	1,103	37%
Pacific Indemnity Co.	4,885	289	6%
Pacific Specialty Insurance Co.	4,906	1,702	35%
Palisades P&C Insurance Co.	4,405	1,749	40%
Peerless Insurance Co.	37,502	15,524	41%
PEMCO Mutual Insurance Co.	3,892	1,533	39%
Pioneer State Mutual Insurance Co.	3,995	898	23%
Preferred Mutual Insurance Co.	2,871	596	21%
Privilege Underwriters Reciprocal	3,226	11	0%
Property-Owners Insurance Co.	8,316	1,196	14%
Residence Mutual Insurance Co.	2,335	737	32%
Safeco Insurance Co. of America	11,250	4,657	41%
Safeco Insurance Co. of Oregon	2,380	945	40%
Slide Insurance Co.	12,284	6,101	50%
Southern Oak Insurance Co.	2,168	803	37%
Spinnaker Insurance Co.	21,091	12,861	61%
Standard Casualty Co.	2,280	667	29%
State Farm Fire & Casualty Co.	874,149	266,077	30%
State Farm FL Insurance Co.	12,598	6,669	53%
State Farm General Insurance Co.	49,489	15,464	31%
State Farm Lloyds	107,585	33,820	31%
Stillwater Insurance Co.	11,378	5,658	50%
Stillwater P&C Insurance Co.	4,530	2,232	49%
SureChoice Underwriters Reciprocal	5,486	1,756	32%
Sutton National Insurance Co.	2,401	1,598	67%
Teachers Insurance Co.	3,132	922	29%
Tennessee Farmers Mutual Insurance Co.	31,474	6,097	19%
Texas FAIR Plan Association	2,388	1,503	63%
Texas Farm Bureau Mutual Insurance Co.	2,741	1,092	40%
Texas Farmers Insurance Co.	3,256	1,807	56%
Tower Hill Insurance Exchange	6,152	2,410	39%
Tower Hill Prime Insurance Co.	3,196	1,197	38%
TypTap Insurance Co.	3,108	760	25%
United Services Automobile Assn.	406,513	207,026	51%
Universal P&C Insurance Co.	34,191	12,322	36%
USAA Casualty Insurance Co.	332,335	169,570	51%
USAA General Indemnity Co.	212,693	108,524	51%
VA Farm Bureau Mutual Insurance Co.	5,667	1,153	20%
Vermont Mutual Insurance Co.	3,786	953	25%
TOTAL:	5,300,543	2,187,346	41.3%

Source: Weiss Ratings, 2025

What does closed without payment mean?

Closed without payment means that they insurance company closed the claim without issuing a payment. In the Weiss study, this includes claims that were legitimately denied (below the deductible, coverage exclusions), claims that were withdrawn and claims that were paid under a separate policy. In high-risk catastrophe areas, claim denial rates may be inflated due to common coverage exclusions such as flood damage, and don't necessarily reflect poor claim practices on the part of the insurance company.

Which insurance companies have the best claims satisfaction scores?

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 [2026] put Amica on top. USAA is not ranked due to eligibility requirements in either survey, but its score with J.D. Power is the second-highest. Among the ranked carriers, The Hartford and Chubb earned the second- and third-place spots.

The table below details top homeowners insurance companies and how they stack up for claims handling. Both Insurance.com ratings for the best insurance companies for claims and J.D. Power ratings list companies by group, while Weiss gathers data for individual carriers within larger groups. As a result, Weiss data is not directly comparable to the data below.

Graph

Table

Insurance.com survey results and J.D. Power claims satisfaction scores by company
Company	Insurance.com survey*	JD Power 2026 claims satisfaction survey**
Allstate	82%	672
American Family	84%	700
Amica	83%	773
Auto-Owners	62%	681
Chubb	N/R	744
Erie	84%	719
Farmers	76%	691
Liberty Mutual	79%	722
Nationwide	84%	720
State Farm	79%	690
Progressive	65%	704
Safeco	68%	666
The Hartford	69%	756
Travelers	76%	700
USAA	87%	757

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

**Score out of 1,000

Why do home insurance companies deny claims?

Insurance companies deny claims because of coverage exclusions, claims below the deductible, documentation issues, damage related to negligence or delayed reporting of damage. Your claim may be legitimately denied due to factors that include:

Lack of coverage for the specific event. Home insurance excludes certain types of damage, including floods and earthquakes and, in some areas, windstorms. “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. If the cost of repairs is less than your deductible, insurance won’t cover anything, because you are responsible for that amount before a settlement is paid. Wind and hail deductibles are often large, so damage must be significant for a claim to be over the deductible, “This is especially true for homeowners who have a separate wind/hail deductible from their standard home deductible. The wind [and] 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. Claims are commonly denied because the cause of the damage is excluded by the policy. For example, flood damage is not covered by homeowners insurance.

“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 affect your rates?

Denied claims stay on your record and may affect home insurance rates in the future, especially if there are multiple denied claims, because it indicates that you file frequent claims and increases the likelihood that you will file again in the future.

What to do if your home insurance claim is denied

If your homeowners insurance claim is denied, you can appeal the decision with additional documentation; if that fails, escalate the issue to the state insurance department or hire a lawyer or public adjuster.

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 compare the stated reason to the wording in your policy to confirm that the damage should be covered.
Request a copy of the claims file from the adjuster. Going through all of the evidence the adjuster used to deny the claim can help you find what missing documentation or errors may have led to the denial. This file can be helpful if you need to bring in outside help on your appeal.
Gather more documentation. Put together as much evidence as possible to support your claim and show that the damage was caused by a covered peril. This may include additional photos, witness statements, police reports, camera footage and expert appraisals of the damage.
File an appeal. File your appeal with all of the supporting documentation in writing, and ensure that you send everything registered mail and keep copies. Follow all of the insurance company's procedures for appeals precisely.
Hire a public adjuster. A public adjuster works for you and not the insurance company, and can help you through the process of appealing a denied claim and getting right settlement.
Contact your state’s insurance department. You can file a complaint with your state's insurance regulatory department to open an investigation into the company's claims processes. The insurance department can also provide you with additional resources, such as contacts for legal help.
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

To avoid a denied home insurance claim, start by ensuring you have the right coverage for the risks in your area and review your coverage annually. At the point of filing a claim, discuss the claims process with your insurer, respond quickly to requests, document the damage thoroughly and don't miss deadlines.

Choose 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. Add any coverage that is a risk in your area, such as flood or earthquake insurance, to cover excluded perils.
Review your deductible. Claims may be denied if they are below the deductible, so set a deductible that you can afford to pay, and ensure you know about additional deductibles like wind or hail that may be higher than your standard deductible.
Call your insurer and ask how the claims process will go. Discuss the damage before you file a claim and get clarity on whether it's likely to be covered, then ask for the steps to the claims process and what you need to do to provide everything the carrier needs.
Review your policy's exclusions. This section of the policy tells you what's not covered and therefore won't result in an approved claim. Standard homeowners insurance policies exclude floods and earthquakes, and in some high-risk areas, windstorms.
Document the damage thoroughly. Gathering all pertinent information and documentation so that your claim is as strong as possible, including photos, videos, witness statements and expert appraisals of the damage.
Complete all tasks by the insurer’s deadline. Missing deadlines can delay your claim or result in a denial.

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: Home insurance claim denial

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, 41% of all claims are closed without payment according the Weiss study. This includes claims that were legitimately denied and those that were withdrawn.

Which insurance company denies the fewest claims?

MS Farm Bureau (8%), Homesite (9%), and Alfa Mutual (13%) had the lowest rates of claims closed without payment in the Weiss study. Among major insurers, Nationwide has the lowest rate of claims closed without payment at 15%, followed by Auto-Owners and Erie, both at 17%.

How long do I have to appeal a denied claim?

You have between 30 and 90 days to appeal a home insurance claim denial. The denial letter you received from the insurer should tell you how long you have to file an appeal; contact the insurance company directly if you aren't sure. File your denial as quickly as possible to avoid missing a deadline and get the process in motion quickly.