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Claims by insurance company

Your insurance company denied or underpaid your claim?

Pick your insurer for a plain-English guide: common reasons claims get denied or underpaid, the deadlines that apply in your state, and what to do next. We’re licensed public adjusters in all 15 states listed below, including Florida (firm license G288962).

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Disclaimer: AF Claims is not affiliated with, endorsed by, or sponsored by any insurance company listed on this page. Carrier names are used only to identify the insurer. Every claim is different; results are not guaranteed.

Largest home insurers in every state where we’re licensed

Lists are numbered in order for easy scanning; the small text under each insurer shows its position and basis in the cited source. Names without a link don’t have a separate guide yet; the state page covers their claim rules.

And others

Don’t see your insurance company? Don’t worry.

These lists show the largest home insurers, not the only ones we work with. We can most likely represent you with your carrier too, in any of the 15 states where we’re licensed. We’ll confirm after a free review; results are never guaranteed.

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Florida

Florida firm license G288962 (lead adjuster license W915694)

  1. State FarmOIR rank #1 by policies
  2. Universal PropertyOIR rank #2 by policies
  3. SlideOIR rank #3 by policies
  4. Tower HillOIR rank #4 by policies
  5. American IntegrityOIR rank #5 by policies
  6. FrontlineOIR rank #6 by policies
  7. CitizensOIR rank #8 by policies
  8. Manatee Insurance ExchangeOIR rank #9 by policies
  9. Florida PeninsulaOIR rank #10 by policies
  10. AllstateCastle Key · OIR rank #11 by policies
  11. KinOIR rank #12 by policies
  12. Security FirstOIR rank #13 by policies
  13. USAAOIR rank #14 by policies
  14. Southern OakOIR rank #15 by policies
  15. EdisonOIR rank #16 by policies
  16. American TraditionsOIR rank #17 by policies
  17. Homeowners Choice / TypTapOIR rank #18 by policies
  18. Monarch NationalOIR rank #19 by policies
  19. HeritageOIR rank #21 by policies
  20. CypressOIR rank #25 by policies
  21. People’s TrustOIR rank #26 by policies
  22. AAA (Auto Club of Florida)OIR rank #27 by policies
  23. Safe HarborOIR rank #30 by policies
  24. OlympusOIR rank #31 by policies
  25. Florida FamilyOIR rank #41 by policies

Condo associations / commercial residential

  1. American Coastal1st by commercial residential premium (OIR)

Don’t see your insurance company?

Don’t worry. We can most likely represent you with your Florida carrier too. Every claim is different, so we’ll tell you honestly after a free review.

Start my free claim review

Ranked by residential policies in force as of June 30, 2026 (company level). The small text under each name shows its position in the OIR ranking. Source: Florida Office of Insurance Regulation, Quarterly Market Intelligence Report: Statewide Commercial and Personal Summary by Company, Q2 2026 (policies in force as of June 30, 2026; data pulled Aug. 11, 2026). American Bankers Insurance Company of Florida is 7th by count but is left out: its reported premium ($52.9 million across 286,773 policies) points to mostly specialty or limited coverage rather than full homeowners policies. Also left out, for the same reason or because they are covered elsewhere: American Modern Home (20th; specialty and mobile-home-heavy, low premium per policy), American Security (24th; lender-placed coverage), Lemonade (29th; mostly renters policies), Homesite (23rd; an American Family company), and ASI and USAA affiliates (shown under Progressive and USAA). Positions 32 and below are not yet covered, except Florida Family and American Coastal.

Florida public adjusters →

Texas

Texas public adjuster license 3475757

  1. State FarmTDI rank #1 (group premium)
  2. AllstateTDI rank #2 (group premium)
  3. USAATDI rank #3 (group premium)
  4. FarmersTDI rank #4 (group premium)
  5. Liberty MutualTDI rank #5 (group premium)
  6. TravelersTDI rank #6 (group premium)
  7. American FamilyTDI rank #7 (group premium)
  8. Texas Farm BureauTDI rank #8 (group premium)
  9. ProgressiveTDI rank #9 (group premium)
  10. SURETDI rank #10 (group premium)
  1. ChubbTDI company rank #13 · 1.76%
  2. AAA (Auto Club Indemnity)TDI company rank #14 · 1.74%
  3. Homeowners of AmericaTDI company rank #16 · 1.62%
  4. NationwideTDI company rank #19 · 1.44%
  5. Mercury (American Mercury Lloyd’s)TDI company rank #22 · 1.00%
  6. Texas FAIR Plan (insurer of last resort)TDI company rank #23 · 0.93%
  7. AmicaTDI company rank #24 · 0.85%
  8. PURETDI company rank #27 · 0.78%
  9. American Risk InsuranceTDI company rank #28 · 0.72%
  10. Allied TrustTDI company rank #29 · 0.70%
  11. LemonadeTDI company rank #34 · 0.52%

Don’t see your insurance company?

Don’t worry. We can most likely represent you with your Texas carrier too. Every claim is different, so we’ll tell you honestly after a free review.

Start my free claim review

Numbers 1–10 are ranked by 2024 homeowners direct written premium (insurance group level). Source: Texas Department of Insurance, Texas homeowners insurance market overview: insurance groups with the highest market share, 2024 direct written premium. Numbers 11 and up are the next-largest companies on TDI’s 2024 company-level Top 40 that don’t belong to a group above, in TDI order. Source: Texas Department of Insurance, Top 40 list of insurers in Texas: Homeowners (company level). Iron Family Holdings Group (10th) is shown under SURE, its consumer-facing exchange. Left out of 11+: Praetorian (33rd), American Bankers (35th) and American Modern (36th), which mainly write lender-placed, specialty or manufactured-home coverage; and company entries of groups already listed (for example Homesite, Garrison, Foremost, Safeco, Elevate and ASI Lloyds), which are covered on their group’s page. Benchmark (26th), Occidental Fire & Casualty of North Carolina (31st) and National Summit (40th) are left out because we don’t yet have a sourced consumer guide for them. Germania, American National, Hippo, Openly, Swyfft and Wellington aren’t in TDI’s 2024 homeowners Top 40, so no rank is shown for them.

Texas public adjusters →

Colorado

Colorado public adjuster license 940240

  1. State FarmRank #1 by premium (group)
  2. Liberty MutualRank #2 by premium (group)
  3. USAARank #3 by premium (group)
  4. AllstateRank #4 by premium (group)
  5. American FamilyRank #5 by premium (group)
  6. FarmersRank #6 by premium (group)
  7. TravelersRank #7 by premium (group)
  8. NationwideRank #8 by premium (group)
  9. ChubbRank #9 by premium (group)
  10. ProgressiveRank #10 by premium (group)
  1. AAA (CSAA General)CO DOI company rank #19 · 1.04%
  2. Auto-Owners (Owners Insurance Co.)CO DOI company rank #20 · 1.00%
  3. COUNTRY Financial (Country Preferred)CO DOI company rank #21 · 0.86%
  4. PURECO DOI company rank #24 · 0.67%
  5. AmicaCO DOI company rank #26 · 0.60%
  6. ShelterCO DOI company rank #28 · 0.55%
  7. Colorado Farm BureauCO DOI company rank #29 · 0.53%
  8. LemonadeCO DOI company rank #43 · 0.30%
  9. The Hartford (Hartford Ins. Co. of the Southeast)CO DOI company rank #44 · 0.30%
  10. AcuityCO DOI company rank #46 · 0.29%
  11. Cincinnati InsuranceCO DOI company rank #50 · 0.23%

Don’t see your insurance company?

Don’t worry. We can most likely represent you with your Colorado carrier too. Every claim is different, so we’ll tell you honestly after a free review.

Start my free claim review

Numbers 1–10 are ranked by 2024 homeowners direct premium written (group level, S&P Capital IQ Pro data via R Street). Source: R Street Institute, “Colorado Homeowners’ Insurance: On the Right Path” (July 16, 2025), table of top 10 Colorado homeowners insurers by 2024 direct premium written, source S&P Capital IQ Pro. Numbers 11 and up are the next-largest companies in the Colorado Division of Insurance’s 2025 homeowners data (as of Dec. 31, 2025) that don’t belong to a group above, in DOI order. Source: Colorado Division of Insurance, 2025 Colorado Insurance Industry Statistical Report (data as of Dec. 31, 2025), Homeowners Multiple Peril, written premium and market share by company. Left out of 11+: American Modern (27th), American Bankers (33rd) and Praetorian (40th), which mainly write specialty, manufactured-home or lender-placed coverage; Evanston (31st), a surplus lines insurer; and company entries of groups already listed (for example Great Northern and Vigilant under Chubb, Safeco under Liberty Mutual, Foremost under Farmers, Garrison under USAA, Encompass under Allstate). AIG Property Casualty Company (25th; AIG moved its high-net-worth homeowners business to the Private Client Select agency in 2023) and Berkley Insurance Company (42nd) are left out for now. Kemper and Openly don’t appear in the DOI’s homeowners list.

Colorado public adjusters →

Connecticut

Connecticut public adjuster license 20497788

  1. TravelersRank #1 · 10.09%
  2. State FarmRank #2 · 8.20%
  3. ChubbRank #3 · 7.52%
  4. AllstateRank #4 · 6.97%
  5. Liberty MutualRank #5 · 6.42%
  6. USAARank #6 · 5.84%
  7. American FamilyRank #7 · 4.59%
  8. FarmersRank #8 · 4.35%
  9. AmicaRank #9 · 4.19%
  10. The HartfordRank #10 · 3.14%

Don’t see your insurance company?

Don’t worry. We can most likely represent you with your Connecticut carrier too. Every claim is different, so we’ll tell you honestly after a free review.

Start my free claim review

Ranked by 2024 homeowners direct written premium, insurance group level, as compiled by Agency Checklists from NAIC Market Share Reports. Source: Agency Checklists, “The Top Homeowners Insurers in Massachusetts & New England” (Oct. 27, 2025), compiled from NAIC Market Share Reports, 2024 group direct written premium.

Connecticut insurers and claim rules →Connecticut public adjusters →

Georgia

Georgia public adjuster license 3688318

  1. State FarmRank #1 · $1,376M (24.3%)
  2. AllstateRank #2 · $828M (14.6%)
  3. USAARank #3 · $617M (10.9%)
  4. TravelersRank #4 · $402M (7.1%)
  5. Auto-OwnersRank #5 · $310M (5.5%)
  6. FarmersRank #6 · $265M (4.7%)
  7. American FamilyRank #7 · $260M (4.6%)
  8. Liberty MutualRank #8 · $249M (4.4%)
  9. Georgia Farm Bureau InsuranceRank #9 · $163M (2.9%)
  10. ProgressiveRank #10 · $123M (2.2%)

Don’t see your insurance company?

Don’t worry. We can most likely represent you with your Georgia carrier too. Every claim is different, so we’ll tell you honestly after a free review.

Start my free claim review

Ranked by 2024 homeowners direct premium written, insurance group level (S&P Capital IQ Pro data as published by R Street). Share is each group’s premium divided by the $5,666 million industry total in the same source. Source: R Street Institute, “Georgia Insurance on My Mind” (June 6, 2025), 2024 homeowners direct premium written by group (S&P Capital IQ Pro data).

Georgia insurers and claim rules →Georgia public adjusters →

Indiana

Indiana public adjuster license 4221324

  1. State FarmRank #1 · 23.0%
  2. AllstateRank #2 · 9.3%
  3. Liberty MutualRank #3 · 8.3%
  4. American FamilyRank #4 · 7.7%
  5. Indiana Farm Bureau InsuranceRank #5 · 7.6%
  6. Erie InsuranceRank #6 · 6.8%
  7. Auto-OwnersRank #7 · 4.2%
  8. TravelersRank #8 · 3.6%
  9. USAARank #9 · 3.6%
  10. Indiana Farmers InsuranceRank #10 · 2.8%

Don’t see your insurance company?

Don’t worry. We can most likely represent you with your Indiana carrier too. Every claim is different, so we’ll tell you honestly after a free review.

Start my free claim review

Ranked by 2023 homeowners premium by parent company, from the Fair Housing Center of Central Indiana’s June 2025 report (Table 1), which analyzes Indiana Department of Insurance premium data. Source: Fair Housing Center of Central Indiana, homeowners insurance report (June 11, 2025), Table 1: FHCCI analysis of Indiana Department of Insurance 2023 premium data by parent company.

Indiana insurers and claim rules →Indiana public adjusters →

Maine

Maine public adjuster license ADN545289

  1. State FarmRank #1 · 11.79%
  2. Liberty MutualRank #2 · 11.29%
  3. AllstateRank #3 · 7.17%
  4. FarmersRank #4 · 7.13%
  5. USAARank #5 · 6.35%
  6. The HanoverRank #6 · 5.10%
  7. Vermont MutualRank #7 · 4.99%
  8. ChubbRank #8 · 4.74%
  9. MMG InsuranceRank #9 · 4.61%
  10. Auto-OwnersRank #10 · 4.38%

Don’t see your insurance company?

Don’t worry. We can most likely represent you with your Maine carrier too. Every claim is different, so we’ll tell you honestly after a free review.

Start my free claim review

Ranked by 2024 homeowners direct written premium, insurance group level, as compiled by Agency Checklists from NAIC Market Share Reports. Source: Agency Checklists, “The Top Homeowners Insurers in Massachusetts & New England” (Oct. 27, 2025), compiled from NAIC Market Share Reports, 2024 group direct written premium.

Maine insurers and claim rules →Maine public adjusters →

Maryland

Maryland public adjuster license 3004205279

  1. State FarmRank #1 · 17.0%
  2. TravelersRank #2 · 12.3%
  3. Erie InsuranceRank #3 · 12.0%
  4. USAARank #4 · 10.9%
  5. AllstateRank #5 · 10.4%
  6. Liberty MutualRank #6 · 8.8%
  7. American FamilyRank #7 · 5.4%
  8. NationwideRank #8 · 5.4%
  9. ChubbRank #9 · 2.1%
  10. ProgressiveRank #10 · 1.6%

Don’t see your insurance company?

Don’t worry. We can most likely represent you with your Maryland carrier too. Every claim is different, so we’ll tell you honestly after a free review.

Start my free claim review

Ranked by 2024 homeowners direct written premium, insurance group level, from the Maryland Insurance Administration’s 2025 competitive rating report (Exhibit 3a). Source: Maryland Insurance Administration, 2025 Report on the Effect of Competitive Rating on the Insurance Markets in Maryland, Exhibit 3a (2024 homeowners direct written premium by group).

Maryland insurers and claim rules →Maryland public adjusters →

Montana

Montana public adjuster license 3004204499

  1. State FarmRank #1 · 24.43%
  2. Liberty MutualRank #2 · 14.64%
  3. FarmersRank #3 · 12.08%
  4. USAARank #4 · 9.36%
  5. TravelersRank #5 · 7.17%
  6. Mountain West Farm BureauRank #6 · 5.45%
  7. ChubbRank #7 · 3.49%
  8. AllstateRank #8 · 3.11%
  9. American FamilyRank #9 · 3.01%
  10. Farmers Union InsuranceRank #10 · 2.07%

Don’t see your insurance company?

Don’t worry. We can most likely represent you with your Montana carrier too. Every claim is different, so we’ll tell you honestly after a free review.

Start my free claim review

Ranked by homeowners market share, insurance group level, as published by Truvo citing NAIC Market Share Reports (2025 data). Source: Truvo, Montana home insurance market (citing NAIC Market Share Reports, 2025 data, group level).

Montana insurers and claim rules →Montana public adjusters →

New Hampshire

New Hampshire public adjuster license 20497788

  1. Liberty MutualRank #1 · 13.64%
  2. State FarmRank #2 · 10.78%
  3. AllstateRank #3 · 8.46%
  4. USAARank #4 · 7.28%
  5. FarmersRank #5 · 6.38%
  6. TravelersRank #6 · 5.04%
  7. Vermont MutualRank #7 · 4.28%
  8. Andover CompaniesRank #8 · 3.88%
  9. American FamilyRank #9 · 3.81%
  10. Auto-OwnersRank #10 · 3.70%

Don’t see your insurance company?

Don’t worry. We can most likely represent you with your New Hampshire carrier too. Every claim is different, so we’ll tell you honestly after a free review.

Start my free claim review

Ranked by 2024 homeowners direct written premium, insurance group level, as compiled by Agency Checklists from NAIC Market Share Reports. Source: Agency Checklists, “The Top Homeowners Insurers in Massachusetts & New England” (Oct. 27, 2025), compiled from NAIC Market Share Reports, 2024 group direct written premium.

New Hampshire insurers and claim rules →New Hampshire public adjusters →

New Mexico

New Mexico public adjuster license 20497788

  1. State FarmRank #1 · 21% (20%)
  2. FarmersRank #2 · 14% (16%)
  3. USAARank #3 · 12% (12%)
  4. Liberty MutualRank #4 · 10% (11%)
  5. AllstateRank #5 · 10% (9%)
  6. TravelersRank #6 · 6%
  7. American FamilyRank #7 · 4%
  8. Farm Bureau Financial ServicesRank #8 · 4% · Farm Bureau Financial Services
  9. AAARank #10 · 2%

Don’t see your insurance company?

Don’t worry. We can most likely represent you with your New Mexico carrier too. Every claim is different, so we’ll tell you honestly after a free review.

Start my free claim review

Ranked by 2025 homeowners market share, insurance group level, from the New Mexico Office of Superintendent of Insurance’s July 21, 2026 presentation to the Legislative Finance Committee (2024 share in parentheses where shown). Source: New Mexico Office of Superintendent of Insurance, presentation to the Legislative Finance Committee (July 21, 2026), homeowners market share by group.

New Mexico insurers and claim rules →New Mexico public adjusters →

North Carolina

North Carolina public adjuster license 8856862

  1. State FarmRank #1 · 15.69%
  2. NC Farm BureauRank #2 · 13.46%
  3. Erie InsuranceRank #3 · 5.08%
  4. AllstateRank #4 · 4.36%
  5. USAARank #5 · 4.27%
  6. Auto-OwnersRank #7 · 3.08%
  7. American FamilyRank #8 · 2.61% · an American Family company
  8. TravelersRank #9 · 2.46%
  9. NationwideRank #10 · 2.23%

Don’t see your insurance company?

Don’t worry. We can most likely represent you with your North Carolina carrier too. Every claim is different, so we’ll tell you honestly after a free review.

Start my free claim review

Ranked by 2024 homeowners multiple peril direct written premium, individual company level, from the North Carolina Department of Insurance’s statistical data. Several groups appear more than once because each company is listed separately. Source: North Carolina Department of Insurance, 2024 Homeowners Multiple Peril premiums and losses by company (statistical data).

North Carolina insurers and claim rules →North Carolina public adjusters →

Oregon

Oregon public adjuster license 20497788

  1. State FarmRank #1 · 21.12%
  2. FarmersRank #2 · 5.71%
  3. Liberty MutualRank #3 · 5.35% · a Liberty Mutual company
  4. AllstateRank #5 · 4.95%
  5. American FamilyRank #7 · 4.33% · an American Family company
  6. TravelersRank #8 · 4.29%
  7. COUNTRY FinancialRank #9 · 3.26%

Don’t see your insurance company?

Don’t worry. We can most likely represent you with your Oregon carrier too. Every claim is different, so we’ll tell you honestly after a free review.

Start my free claim review

Ranked by 2024 homeowners direct written premium, individual company level, from the Oregon Division of Financial Regulation’s Top 25 homeowners insurance companies. Source: Oregon Division of Financial Regulation, 2024 Top 25 Homeowners Insurance Companies (by direct written premium).

Oregon insurers and claim rules →Oregon public adjusters →

Rhode Island

Rhode Island public adjuster license 3004206535

  1. AllstateRank #1 · 13.13%
  2. AmicaRank #2 · 12.91%
  3. USAARank #3 · 7.28%
  4. Liberty MutualRank #4 · 6.70%
  5. Andover CompaniesRank #5 · 5.80%
  6. HeritageRank #6 · 5.12%
  7. NationwideRank #7 · 5.07%
  8. American FamilyRank #8 · 4.75%
  9. Vermont MutualRank #9 · 4.12%
  10. FarmersRank #10 · 3.93%

Don’t see your insurance company?

Don’t worry. We can most likely represent you with your Rhode Island carrier too. Every claim is different, so we’ll tell you honestly after a free review.

Start my free claim review

Ranked by 2024 homeowners direct written premium, insurance group level, as compiled by Agency Checklists from NAIC Market Share Reports. Source: Agency Checklists, “The Top Homeowners Insurers in Massachusetts & New England” (Oct. 27, 2025), compiled from NAIC Market Share Reports, 2024 group direct written premium.

Rhode Island insurers and claim rules →Rhode Island public adjusters →

Washington

Washington public adjuster license 1357961

  1. State FarmRank #1 · 16.02%
  2. Liberty MutualRank #2 · 12.35% · a Liberty Mutual company
  3. AllstateRank #3 · 6.37%
  4. American FamilyRank #4 · 5.18% · an American Family company
  5. PEMCORank #5 · 5.03%
  6. USAARank #6 · 3.75%
  7. FarmersRank #8 · 3.28% · a Farmers Insurance exchange
  8. TravelersRank #9 · 3.24%
  9. ProgressiveRank #12 · 1.96% · a Progressive company
  10. Mutual of EnumclawRank #13 · 1.92%
  11. COUNTRY FinancialRank #22 · 1.10% · COUNTRY Financial
  12. PURERank #23 · 1.05%
  13. ChubbRank #25 · 1.05% · a Chubb company
  14. NationwideRank #26 · 0.97%
  15. AmicaRank #31 · 0.83%
  16. GranwestRank #33 · 0.81% · now Granwest
  17. Cincinnati InsuranceRank #34 · 0.74%
  18. The HartfordRank #36 · 0.63% · The Hartford (AARP program)

Don’t see your insurance company?

Don’t worry. We can most likely represent you with your Washington carrier too. Every claim is different, so we’ll tell you honestly after a free review.

Start my free claim review

Ranked by share of 2025 homeowners direct premiums earned, individual company level, from the Washington Office of the Insurance Commissioner’s 2025 market information report (Appendix E, Top 40 authorized companies, NAIC data). We show the largest company in each insurance group once, in OIC order; the small “Source rank” is its position in the OIC table. Source: Washington Office of the Insurance Commissioner, 2025 market information report, Appendix E: Top 40 authorized companies by line of business, Homeowners Multiple Peril (NAIC data, market share of 2025 direct premiums earned).

Washington insurers and claim rules →Washington public adjusters →

Insurers that write in more than one of these states have one page with a section for each state. Rankings describe market size only; they say nothing about how any claim was handled. Not sure where to start? Denied claim guide · Underpaid claim guide