FIRE INSURANCE EXCHANGE — homeowners Complaints in Texas

Detailed analysis of 253 homeowners insurance complaints filed against FIRE INSURANCE EXCHANGE by consumers in Texas, based on public NAIC and state DOI data.

Key Statistics

homeowners Complaints in Texas: 253
Total homeowners Complaints (All States): 256
Texas Share: 98.8%
NAIC Complaint Ratio: 0.89
AI Risk Score: 53/100

Analysis: FIRE INSURANCE EXCHANGE homeowners in Texas

FIRE INSURANCE EXCHANGE has accumulated 253 homeowners insurance complaints from consumers in Texas. Across all states, FIRE INSURANCE EXCHANGE has 256 total homeowners complaints, making Texas responsible for 98.8% of the volume.

The most frequent complaint sub-type is Delayed payment with 75 complaints. Other common issues include Claim denial (63), Premium or billing dispute (43), Policy cancellation (10).

The most active year was 2026 with 3 complaints filed.

Consumers in Texas who have homeowners disputes with FIRE INSURANCE EXCHANGE can file a complaint with the Texas Department of Insurance.

homeowners Complaint Issues in Texas

Issue Type	Complaints	%
Delayed payment	75	29.6%
Claim denial	63	24.9%
Premium or billing dispute	43	17.0%
Policy cancellation	10	4.0%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue	4	1.6%
Other \| Information Furnished	4	1.6%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Information Furnished	3	1.2%
Unsatisfactory Settle/Offer \| Company Position Upheld; Information Furnished	3	1.2%
Not Within TDI Jurisdiction \| No Jurisdiction	2	0.8%
Unsatisfactory Settle/Offer \| No Jurisdiction	2	0.8%
Coverage dispute	2	0.8%
Unsatisfactory Settle/Offer \| Information Furnished	2	0.8%
Unsatisfactory Settle/Offer \| Information Furnished; Question of Fact	2	0.8%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Company Position Upheld; Corre	1	0.4%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Information Furnished; Question of Fact; Company Position Uph	1	0.4%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Company Position Upheld; Question of Fact; Additional Payment	1	0.4%
Unsatisfactory Settle/Offer \| Information Furnished; Claim Settled; Contract Language/Legal Issue	1	0.4%
Unsatisfactory Settle/Offer \| Company Position Upheld; Contract Language/Legal Issue	1	0.4%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Question of Fact; Additional Monies Received	1	0.4%
Unsatisfactory Settle/Offer \| Company Position Upheld; Claim Settled; Contract Language/Legal Issue	1	0.4%
Unsatisfactory Settle/Offer \| Question of Fact; Additional Monies Received; Contract Language/Legal Issue	1	0.4%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Contract Language/Legal Issue	1	0.4%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Company Position Upheld	1	0.4%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Company Position Upheld; Contract Language/Legal Issue	1	0.4%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Additional Payment Expected; Referred for Disciplinary Actn	1	0.4%
Cust Service Claim Handling \| Information Furnished	1	0.4%
Other \| Contract Language/Legal Issue; Other	1	0.4%
Not Within TDI Jurisdiction \| No Jurisdiction; Referred To	1	0.4%
Other \| Question of Fact; Information Furnished	1	0.4%
Other \| Company Position Upheld; Claim Settled	1	0.4%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Question of Fact; Company Posi	1	0.4%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Information Furnished; Additional Payment Expected	1	0.4%
Agent Handling; Unsatisfactory Settle/Offer; Use Of Clue Reports \| Information Furnished; Question of Fact; Additional P	1	0.4%
Endorsement / Rider \| Information Furnished; Contract Language/Legal Issue	1	0.4%
Agency Balance; Agent/Agency Contrct Termin; Commissions \| Contract Language/Legal Issue; Information Furnished	1	0.4%
Cust Service Claim Handling \| Question of Fact	1	0.4%
Other	1	0.4%
Agent Handling \| Information Furnished; Question of Fact	1	0.4%
Unsatisfactory Settle/Offer \| Question of Fact; Information Furnished	1	0.4%
Unsatisfactory Settle/Offer \| Complainant Retained Attorney	1	0.4%
Liability Dispute; Unsatisfactory Settle/Offer \| Information Furnished; Question of Fact	1	0.4%
Unsatisfactory Settle/Offer \| Information Furnished; Additional Payment Expected	1	0.4%
Refusal to Insure \| Policy Issued/Restored; Information Furnished	1	0.4%
Refusal to Insure \| Company Position Upheld; Information Furnished	1	0.4%
Refusal to Insure	1	0.4%
Agent Handling \| Insufficient Information	1	0.4%
Endorsement / Rider \| Contract Language/Legal Issue	1	0.4%
Agent Handling; Conversion \| Information Furnished	1	0.4%
Unsatisfactory Settle/Offer \| Information Furnished; Contract Language/Legal Issue	1	0.4%
Agent Handling \| Information Furnished; Company Position Upheld	1	0.4%
Other \| Contract Language/Legal Issue; Information Furnished	1	0.4%

Complaints by Year

2026: 3 complaints
2025: 4 complaints
2024: 15 complaints
2023: 4 complaints
2022: 8 complaints
2021: 9 complaints
2020: 13 complaints
2019: 7 complaints
2018: 10 complaints
2017: 21 complaints
2016: 30 complaints
2015: 28 complaints
2014: 29 complaints
2013: 37 complaints
2012: 35 complaints

Recent homeowners Complaints Against FIRE INSURANCE EXCHANGE in Texas

homeowners Complaint #TX-451299-342f93da (2026-02-26) — Delayed payment
homeowners Complaint #TX-448756-342f93da (2026-02-26) — Delayed payment
homeowners Complaint #TX-443623-b00a4305 (2026-01-02) — Delayed payment
homeowners Complaint #TX-435951-6af4ccf5 (2025-10-01) — Delayed payment
homeowners Complaint #TX-431876-73549704 (2025-08-15) — Delayed payment
homeowners Complaint #TX-427002-7c8e3fdb (2025-06-13) — Premium or billing dispute
homeowners Complaint #TX-412514-cff34652 (2025-01-02) — Delayed payment
homeowners Complaint #TX-411203-ca0aed41 (2024-12-10) — Cust Service Claim Handling; Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Company Position Upheld; Corre
homeowners Complaint #TX-409607-20ab991d (2024-11-15) — Delayed payment
homeowners Complaint #TX-407673-b0945c7a (2024-10-23) — Delayed payment

Frequently Asked Questions

How many homeowners complaints does FIRE INSURANCE EXCHANGE have in Texas?

FIRE INSURANCE EXCHANGE has 253 homeowners insurance complaints on file from consumers in Texas, according to NAIC and state DOI data.

What are the most common homeowners complaint issues with FIRE INSURANCE EXCHANGE in Texas?

The most common issues are: Delayed payment (75), Claim denial (63), Premium or billing dispute (43), Policy cancellation (10), Unsatisfactory Settle/Offer | Contract Language/Legal Issue (4).

How does FIRE INSURANCE EXCHANGE's homeowners record in Texas compare to other states?

FIRE INSURANCE EXCHANGE has 253 homeowners complaints in Texas out of 256 total homeowners complaints nationwide. That is 98.8% of their homeowners volume.

Where can I file a homeowners complaint against FIRE INSURANCE EXCHANGE in Texas?

You can file a complaint with the Texas Department of Insurance. The NAIC Consumer Information Source at https://content.naic.org/cis_consumer.htm also accepts complaints.