PRAETORIAN INSURANCE COMPANY — homeowners Complaints in Texas

Detailed analysis of 260 homeowners insurance complaints filed against PRAETORIAN INSURANCE COMPANY by consumers in Texas, based on public NAIC and state DOI data.

Key Statistics

homeowners Complaints in Texas: 260
Total homeowners Complaints (All States): 262
Texas Share: 99.2%
NAIC Complaint Ratio: 1.53
AI Risk Score: 70/100

Analysis: PRAETORIAN INSURANCE COMPANY homeowners in Texas

PRAETORIAN INSURANCE COMPANY has accumulated 260 homeowners insurance complaints from consumers in Texas. Across all states, PRAETORIAN INSURANCE COMPANY has 262 total homeowners complaints, making Texas responsible for 99.2% of the volume.

The most frequent complaint sub-type is Delayed payment with 163 complaints. Other common issues include Claim denial (32), Premium or billing dispute (7), Policy cancellation (6).

The most active year was 2026 with 7 complaints filed.

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

homeowners Complaint Issues in Texas

Issue Type	Complaints	%
Delayed payment	163	62.7%
Claim denial	32	12.3%
Premium or billing dispute	7	2.7%
Policy cancellation	6	2.3%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Additional Payment Expected; Company Position Upheld	1	0.4%
Cust Service Claim Handling \| Company Position Upheld; Information Furnished; Question of Fact	1	0.4%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Information Furnished; Company	1	0.4%
Unsatisfactory Settle/Offer \| Additional Payment Expected; Contract Language/Legal Issue; Information Furnished	1	0.4%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Additional Monies Received; Information Furnished; Company Po	1	0.4%
Unsatisfactory Settle/Offer \| Information Furnished; Additional Payment Expected; Contract Language/Legal Issue	1	0.4%
Cust Service Claim Handling; Endorsement / Rider; Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Company P	1	0.4%
Unsatisfactory Settle/Offer \| Information Furnished; Contract Language/Legal Issue; Question of Fact	1	0.4%
Cust Service Claim Handling \| Additional Monies Received; Information Furnished; Contract Language/Legal Issue	1	0.4%
Cust Service Claim Handling \| Information Furnished; Question of Fact; Additional Monies Received	1	0.4%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Company Position Upheld; Information Furnished	1	0.4%
Unsatisfactory Settle/Offer \| Additional Monies Received; Information Furnished; Corrective Action Taken	1	0.4%
Unsatisfactory Settle/Offer \| Information Furnished; Company Position Upheld; Contract Language/Legal Issue	1	0.4%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Additional Monies Received; Information Furnished	1	0.4%
Unsatisfactory Settle/Offer \| Information Furnished; Additional Monies Received	1	0.4%
Unsatisfactory Settle/Offer \| Additional Payment Expected; Corrective Action Taken; Information Furnished	1	0.4%
Unsatisfactory Settle/Offer \| Complaint Withdrawn	1	0.4%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Question of Fact; Additional Payment Expected	1	0.4%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Additional Payment Expected; Contract Language/Legal Issue; Q	1	0.4%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Additional Payment Expected; Question of Fact	1	0.4%
Cust Service Claim Handling \| Claim Settled; Contract Language/Legal Issue; Additional Monies Received	1	0.4%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Company Position Upheld; Information Furnished; Question of F	1	0.4%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Additional Payment Expected; Additional Monies Received; Corr	1	0.4%
Unsatisfactory Settle/Offer \| Information Furnished; Question of Fact	1	0.4%
Unsatisfactory Settle/Offer \| Question of Fact; Claim Settled; Additional Monies Received	1	0.4%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Question of Fact; Additional Payment Expected	1	0.4%
Unsatisfactory Settle/Offer \| Question of Fact; Contract Language/Legal Issue	1	0.4%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Information Furnished	1	0.4%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue	1	0.4%
Cust Service Claim Handling \| Question of Fact; Contract Language/Legal Issue; Additional Monies Received	1	0.4%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Additional Monies Received	1	0.4%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Additional Monies Received; Claim Settled	1	0.4%
Agent Handling \| Question of Fact	1	0.4%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Contract Language/Legal Issue	1	0.4%
Post-Claim Underwriting \| Corrective Action Taken	1	0.4%
Unsatisfactory Settle/Offer \| Additional Monies Received; Claim Settled; Corrective Action Taken	1	0.4%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Additional Payment Expected; Question of Fact	1	0.4%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Claim Settled	1	0.4%
Assignment of Benefits; Cust Service Claim Handling \| Contract Language/Legal Issue; Question of Fact	1	0.4%
Cust Service Claim Handling \| No Jurisdiction	1	0.4%
Post-Claim Underwriting \| Contract Language/Legal Issue	1	0.4%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Question of Fact	1	0.4%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Company Position Upheld	1	0.4%
Unsatisfactory Settle/Offer \| Company Position Upheld; Contract Language/Legal Issue	1	0.4%
Unsatisfactory Settle/Offer \| Additional Monies Received; Claim Settled	1	0.4%
Unsatisfactory Settle/Offer \| Question of Fact; Information Furnished	1	0.4%
Unsatisfactory Settle/Offer \| Information Furnished; Contract Language/Legal Issue	1	0.4%
Unsatisfactory Settle/Offer \| Additional Monies Received; Information Furnished	1	0.4%
Cust Service Claim Handling \| Information Furnished; Additional Payment Expected	1	0.4%
Other \| Additional Monies Received; Corrective Action Taken	1	0.4%
Unsatisfactory Settle/Offer \| Claim Settled; Information Furnished	1	0.4%
Unsatisfactory Settle/Offer \| Information Furnished	1	0.4%

Complaints by Year

2026: 7 complaints
2025: 34 complaints
2024: 45 complaints
2023: 46 complaints
2022: 26 complaints
2021: 16 complaints
2020: 4 complaints
2019: 7 complaints
2018: 13 complaints
2017: 14 complaints
2016: 20 complaints
2015: 8 complaints
2014: 7 complaints
2013: 8 complaints
2012: 5 complaints

Recent homeowners Complaints Against PRAETORIAN INSURANCE COMPANY in Texas

homeowners Complaint #TX-452831-bbeb7773 (2026-04-07) — Delayed payment
homeowners Complaint #TX-450281-b0cbf84b (2026-03-16) — Delayed payment
homeowners Complaint #TX-450005-9d9bd070 (2026-03-11) — Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Additional Payment Expected; Company Position Upheld
homeowners Complaint #TX-449771-bbeb7773 (2026-03-10) — Delayed payment
homeowners Complaint #TX-449218-af4e5e34 (2026-03-04) — Cust Service Claim Handling | Company Position Upheld; Information Furnished; Question of Fact
homeowners Complaint #TX-447721-b7c80b3d (2026-02-17) — Delayed payment
homeowners Complaint #TX-447056-b0cbf84b (2026-02-09) — Delayed payment
homeowners Complaint #TX-441175-07c543df (2025-12-02) — Claim denial
homeowners Complaint #TX-439893-cb227361 (2025-11-14) — Claim denial
homeowners Complaint #TX-439714-bbeb7773 (2025-11-13) — Delayed payment

Frequently Asked Questions

How many homeowners complaints does PRAETORIAN INSURANCE COMPANY have in Texas?

PRAETORIAN INSURANCE COMPANY has 260 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 PRAETORIAN INSURANCE COMPANY in Texas?

The most common issues are: Delayed payment (163), Claim denial (32), Premium or billing dispute (7), Policy cancellation (6), Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Additional Payment Expected; Company Position Upheld (1).

How does PRAETORIAN INSURANCE COMPANY's homeowners record in Texas compare to other states?

PRAETORIAN INSURANCE COMPANY has 260 homeowners complaints in Texas out of 262 total homeowners complaints nationwide. That is 99.2% of their homeowners volume.

Where can I file a homeowners complaint against PRAETORIAN 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.