MERCURY COUNTY MUTUAL INSURANCE COMPANY — homeowners Complaints in Texas

Detailed analysis of 302 homeowners insurance complaints filed against MERCURY COUNTY MUTUAL INSURANCE COMPANY by consumers in Texas, based on public NAIC and state DOI data.

Key Statistics

homeowners Complaints in Texas: 302
Total homeowners Complaints (All States): 302
Texas Share: 100.0%
NAIC Complaint Ratio: 0.65
AI Risk Score: 47/100

Analysis: MERCURY COUNTY MUTUAL INSURANCE COMPANY homeowners in Texas

MERCURY COUNTY MUTUAL INSURANCE COMPANY has accumulated 302 homeowners insurance complaints from consumers in Texas. Across all states, MERCURY COUNTY MUTUAL INSURANCE COMPANY has 302 total homeowners complaints, making Texas responsible for 100.0% of the volume.

The most frequent complaint sub-type is Delayed payment with 148 complaints. Other common issues include Claim denial (65), Premium or billing dispute (31), Policy cancellation (4).

The most active year was 2026 with 2 complaints filed.

Consumers in Texas who have homeowners disputes with MERCURY COUNTY MUTUAL INSURANCE COMPANY can file a complaint with the Texas Department of Insurance.

homeowners Complaint Issues in Texas

Issue Type	Complaints	%
Delayed payment	148	49.0%
Claim denial	65	21.5%
Premium or billing dispute	31	10.3%
Policy cancellation	4	1.3%
Unsatisfactory Settle/Offer \| Question of Fact	3	1.0%
Unsatisfactory Settle/Offer \| Question of Fact; Contract Language/Legal Issue	2	0.7%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Question of Fact; Company Position Upheld; Information Furnis	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Question of Fact; Company Position Upheld; Claim Settled	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Additional Payment Expected; Information Furnished; Question	1	0.3%
Unsatisfactory Settle/Offer \| Company Position Upheld; Question of Fact; Information Furnished	1	0.3%
Unsatisfactory Settle/Offer \| Additional Payment Expected; Contract Language/Legal Issue; Corrective Action Taken	1	0.3%
Cust Service Claim Handling; Pre-Existing Condition; Unsatisfactory Settle/Offer \| Additional Payment Expected; Contract	1	0.3%
Unauthorized Acts \| Information Furnished	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Information Furnished; Contract Language/Legal Issue; Company	1	0.3%
Cust Service Claim Handling; Liability Dispute \| Company Position Upheld; Question of Fact; Contract Language/Legal Issu	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Company Position Upheld; Information Furnished	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Information Furnished; Claim Settled; Corrective Action Taken	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Information Furnished; Additional Monies Received	1	0.3%
Cust Service Claim Handling; Use Of Clue Reports \| Information Furnished; Corrective Action Taken	1	0.3%
Unsatisfactory Settle/Offer \| Claim Settled; Information Furnished; Contract Language/Legal Issue	1	0.3%
Liability Dispute \| Information Furnished; Additional Payment Expected; Question of Fact	1	0.3%
Liability Dispute \| Information Furnished; Additional Payment Expected	1	0.3%
Unsatisfactory Settle/Offer \| Information Furnished; Question of Fact; Additional Payment Expected	1	0.3%
Unsatisfactory Settle/Offer \| Company Position Upheld; Contract Language/Legal Issue; Additional Payment Expected	1	0.3%
Cust Service Claim Handling; Liability Dispute \| Claim Settled; Question of Fact	1	0.3%
Unsatisfactory Settle/Offer \| Information Furnished; Question of Fact; Contract Language/Legal Issue	1	0.3%
Cust Service Claim Handling \| Contract Language/Legal Issue; Claim Settled; Information Furnished	1	0.3%
Post-Claim Underwriting \| Question of Fact; Company Position Upheld	1	0.3%
Unsatisfactory Settle/Offer \| Question of Fact; Additional Payment Expected; Information Furnished	1	0.3%
Unsatisfactory Settle/Offer \| Company Position Upheld; Contract Language/Legal Issue; Information Furnished	1	0.3%
Unsatisfactory Settle/Offer \| Company Position Upheld; Contract Language/Legal Issue; Question of Fact	1	0.3%
Unsatisfactory Settle/Offer \| Additional Payment Expected; Contract Language/Legal Issue; Question of Fact	1	0.3%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Claim Settled	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Question of Fact	1	0.3%
Cust Service Claim Handling; Liability Dispute \| Appraisal Process Invoked	1	0.3%
Unsatisfactory Settle/Offer \| Additional Payment Expected; Question of Fact; Contract Language/Legal Issue	1	0.3%
Unsatisfactory Settle/Offer \| Question of Fact; Claim Settled	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Company Position Upheld; Claim	1	0.3%
Liability Dispute; Unsatisfactory Settle/Offer \| Additional Payment Expected; Contract Language/Legal Issue; Question of	1	0.3%
Unsatisfactory Settle/Offer \| Company Position Upheld; Contract Language/Legal Issue	1	0.3%
Other \| No Jurisdiction	1	0.3%
Other \| Contract Language/Legal Issue	1	0.3%
Unsatisfactory Settle/Offer \| Information Furnished; Claim Settled	1	0.3%
Liability Dispute; Unsatisfactory Settle/Offer \| Additional Payment Expected; Question of Fact	1	0.3%
Unsatisfactory Settle/Offer \| Question of Fact; Information Furnished	1	0.3%
Other \| Information Furnished	1	0.3%
Cust Service Claim Handling \| Information Furnished	1	0.3%
Unfair Discrim-Clms Handling; Unsatisfactory Settle/Offer \| Additional Monies Received; Failure to Timely Respond; Quest	1	0.3%
Unsatisfactory Settle/Offer \| Question of Fact; Information Furnished; Additional Monies Received	1	0.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Question of Fact; Claim Settled	1	0.3%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue	1	0.3%
Liability Dispute \| Information Furnished; Question of Fact	1	0.3%
Unsatisfactory Settle/Offer \| Information Furnished; Question of Fact	1	0.3%
Unsatisfactory Settle/Offer \| Company Position Upheld	1	0.3%
Liability Dispute; Unsatisfactory Settle/Offer \| Information Furnished; Company Position Upheld	1	0.3%

Complaints by Year

2026: 2 complaints
2025: 32 complaints
2024: 25 complaints
2023: 30 complaints
2022: 21 complaints
2021: 12 complaints
2020: 11 complaints
2019: 12 complaints
2018: 15 complaints
2017: 26 complaints
2016: 33 complaints
2015: 34 complaints
2014: 18 complaints
2013: 21 complaints
2012: 10 complaints

Recent homeowners Complaints Against MERCURY COUNTY MUTUAL INSURANCE COMPANY in Texas

homeowners Complaint #TX-453011-a6e8a99e (2026-04-09) — Cust Service Claim Handling; Unsatisfactory Settle/Offer | Question of Fact; Company Position Upheld; Information Furnis
homeowners Complaint #TX-451672-309131ff (2026-03-27) — Delayed payment
homeowners Complaint #TX-440840-719cb400 (2025-11-26) — Premium or billing dispute
homeowners Complaint #TX-440510-a6e8a99e (2025-11-21) — Cust Service Claim Handling; Unsatisfactory Settle/Offer | Question of Fact; Company Position Upheld; Claim Settled
homeowners Complaint #TX-438967-995cb17f (2025-11-04) — Premium or billing dispute
homeowners Complaint #TX-437537-5cf17d0b (2025-10-20) — Delayed payment
homeowners Complaint #TX-437343-a6e8a99e (2025-10-17) — Cust Service Claim Handling; Unsatisfactory Settle/Offer | Additional Payment Expected; Information Furnished; Question
homeowners Complaint #TX-437114-995cb17f (2025-10-15) — Premium or billing dispute
homeowners Complaint #TX-436891-35cc66e0 (2025-10-13) — Unsatisfactory Settle/Offer | Company Position Upheld; Question of Fact; Information Furnished
homeowners Complaint #TX-436155-58511e20 (2025-10-03) — Claim denial

Frequently Asked Questions

How many homeowners complaints does MERCURY COUNTY MUTUAL INSURANCE COMPANY have in Texas?

MERCURY COUNTY MUTUAL INSURANCE COMPANY has 302 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 MERCURY COUNTY MUTUAL INSURANCE COMPANY in Texas?

The most common issues are: Delayed payment (148), Claim denial (65), Premium or billing dispute (31), Policy cancellation (4), Unsatisfactory Settle/Offer | Question of Fact (3).

How does MERCURY COUNTY MUTUAL INSURANCE COMPANY's homeowners record in Texas compare to other states?

MERCURY COUNTY MUTUAL INSURANCE COMPANY has 302 homeowners complaints in Texas out of 302 total homeowners complaints nationwide. That is 100.0% of their homeowners volume.

Where can I file a homeowners complaint against MERCURY COUNTY MUTUAL INSURANCE COMPANY 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.