Assurant — Insurance Complaint Report

Assurant: High Complaint Ratio with Recent Increases

Key Metrics

Total Complaints: 496
NAIC Complaint Ratio: 1.18
Market Share: 0.6%
AI Risk Score: 75/100
Most Recent Complaint: 2025-01-31

AI Insurer Analysis

Assurant has accumulated 496 insurance complaints on record. Their NAIC complaint ratio of 1.18 is above average, meaning they receive more complaints than expected for an insurer of their market size. With approximately 0.6% market share, Assurant is a smaller player in the insurance market. The most common complaint categories are: renters (12), commercial (8). Assurant has a high complaint ratio with a significant number of coverage disputes and premium increases. The insurer has seen a recent uptick in complaints, particularly in coverage disputes and claim denials. Complaints are concentrated in a few states, with New York and Wisconsin being the most affected. Trend shows increasing complaints, particularly in coverage disputes and claim denials. Areas of concern include: High complaint ratio and recent uptick in complaints; Significant number of coverage disputes and claim denials. On the positive side: Recent focus on improving response times to complaints.

Risk Breakdown

regulatoryActions: none
complaintRatio: high
claimDenialRate: high
responseTime: fair

Red Flags

High complaint ratio and recent uptick in complaints
Significant number of coverage disputes and claim denials

Green Flags

Recent focus on improving response times to complaints

Consumer Tips

When dealing with Assurant, keep these practical tips in mind: 1. Review your policy details and coverage limits regularly. 2. Be aware of premium increases and ask for detailed explanations. 3. Keep detailed records of all communications and payments. 4. Contact Assurant directly if you have any disputes or concerns. Before purchasing a policy, compare Assurant's complaint ratio (1.18, above average) with competitors offering similar coverage. Always read the full policy document, paying attention to exclusions and limitations. Document all communications with the insurer in writing. If you experience a dispute, file a complaint with your state Department of Insurance — it is free and often results in faster resolution.

Trend Analysis

Trend shows increasing complaints, particularly in coverage disputes and claim denials.

Frequently Asked Questions about Assurant

Is Assurant a good insurance company?

Assurant has 496 complaints on record. Their NAIC complaint ratio is 1.18, which is above average. They hold approximately 0.6% market share. A complaint ratio below 1.00 indicates fewer complaints than expected for a company of this size; above 1.00 indicates more.

What are the most common complaints about Assurant?

The most common complaint categories for Assurant are: renters (12), commercial (8). The leading specific issues are: Coverage dispute (6), Premium increase (6), Policy cancellation (3).

How does Assurant compare to competitors?

Assurant's NAIC complaint ratio of 1.18 is above average. Companies with ratios below 1.00 receive fewer complaints relative to their size. When comparing insurers, also consider financial strength ratings, coverage options, and premium pricing alongside complaint data.

Should I file a DOI complaint against Assurant?

If you have an unresolved dispute with Assurant, filing a complaint with your state Department of Insurance (DOI) is a free and effective option. Steps: (1) Gather all documentation including your policy, correspondence, and claim records. (2) Contact your state DOI — most Assurant complaints come from New York. (3) File online or by mail. (4) The DOI typically responds within 30-45 days.

Are Assurant complaints getting better or worse?

Assurant has 496 total complaints. In the most recent data, 20 complaints were recorded across 2 coverage categories. Check the NAIC Consumer Information Source for the most current complaint ratio trends.

What insurance companies have the lowest complaint ratios?

Insurance companies with the lowest complaint ratios typically include mutual insurers and member-owned companies. To find alternatives to Assurant, compare NAIC complaint ratios for companies offering the same coverage types (renters, etc.). Your state DOI website provides complaint data specific to companies licensed in your state.

Has Assurant been fined or sanctioned by insurance regulators?

Regulatory action information is available through your state Department of Insurance and the NAIC. Assurant has 496 consumer complaints on record with a complaint ratio of 1.18. For specific regulatory actions, check the NAIC Regulatory Actions database and your state DOI enforcement records.

Which states have the most complaints against Assurant?

The states with the most complaints against Assurant are: New York (3), Wisconsin (2), Alaska (2), North Carolina (2), Minnesota (1). This distribution may reflect the company's market presence in those states rather than indicating worse service in specific locations.