RANCHERS AND FARMERS MUTUAL INSURANCE COMPANY — homeowners Complaints in Texas
Detailed analysis of 371 homeowners insurance complaints filed against RANCHERS AND FARMERS MUTUAL INSURANCE COMPANY by consumers in Texas, based on public NAIC and state DOI data.
Key Statistics
- homeowners Complaints in Texas: 371
- Total homeowners Complaints (All States): 371
- Texas Share: 100.0%
- NAIC Complaint Ratio: 1.9
- AI Risk Score: 81/100
Analysis: RANCHERS AND FARMERS MUTUAL INSURANCE COMPANY homeowners in Texas
RANCHERS AND FARMERS MUTUAL INSURANCE COMPANY has accumulated 371 homeowners insurance complaints from consumers in Texas. Across all states, RANCHERS AND FARMERS MUTUAL INSURANCE COMPANY has 371 total homeowners complaints, making Texas responsible for 100.0% of the volume.
The most frequent complaint sub-type is Delayed payment with 180 complaints. Other common issues include Claim denial (68), Premium or billing dispute (32), Policy cancellation (10).
The most active year was 2026 with 10 complaints filed.
Consumers in Texas who have homeowners disputes with RANCHERS AND FARMERS MUTUAL INSURANCE COMPANY can file a complaint with the Texas Department of Insurance.
homeowners Complaint Issues in Texas
| Issue Type | Complaints | % |
|---|---|---|
| Delayed payment | 180 | 48.5% |
| Claim denial | 68 | 18.3% |
| Premium or billing dispute | 32 | 8.6% |
| Policy cancellation | 10 | 2.7% |
| Unsatisfactory Settle/Offer | Contract Language/Legal Issue | 5 | 1.3% |
| Coverage dispute | 4 | 1.1% |
| Unsatisfactory Settle/Offer | Question of Fact; Contract Language/Legal Issue | 3 | 0.8% |
| Unsatisfactory Settle/Offer | Information Furnished; Company Position Upheld; Contract Language/Legal Issue | 2 | 0.5% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Company Position Upheld; Contract Language/Legal Issue; Infor | 2 | 0.5% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Question of Fact | 2 | 0.5% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Question of Fact; Contract Language/Legal Issue | 2 | 0.5% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Contract Language/Legal Issue | 2 | 0.5% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Company Position Upheld; Contract Language/Legal Issue | 2 | 0.5% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Corrective Action Taken | 1 | 0.3% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Claim Settled; Contract Language/Legal Issue | 1 | 0.3% |
| Unsatisfactory Settle/Offer | Additional Monies Received; Additional Payment Expected; Corrective Action Taken | 1 | 0.3% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Claim Settled; Company Positio | 1 | 0.3% |
| Cust Srvc Policy Holder Srvcs | Company Position Upheld; Contract Language/Legal Issue; Information Furnished | 1 | 0.3% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Claim Settled; Corrective Action Taken | 1 | 0.3% |
| Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Company Position Upheld; Question of Fact | 1 | 0.3% |
| Unsatisfactory Settle/Offer | Information Furnished; Question of Fact; Additional Monies Received | 1 | 0.3% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Information Furnished; Contract Language/Legal Issue; Additio | 1 | 0.3% |
| Unsatisfactory Settle/Offer | Company Position Upheld; Information Furnished; Contract Language/Legal Issue | 1 | 0.3% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Question of Fact; Contract Language/Legal Issue; Additional P | 1 | 0.3% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Information Furnished; Additional Payment Expected; Correctiv | 1 | 0.3% |
| Unsatisfactory Settle/Offer | Company Position Upheld; Question of Fact; Claim Settled | 1 | 0.3% |
| Unsatisfactory Settle/Offer | Claim Settled; Contract Language/Legal Issue; Question of Fact | 1 | 0.3% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Question of Fact; Information Furnished; Additional Monies Re | 1 | 0.3% |
| Unsatisfactory Settle/Offer | Company Position Upheld; Contract Language/Legal Issue; Additional Monies Received | 1 | 0.3% |
| Endorsement / Rider; Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Question of Fact; Information Furnishe | 1 | 0.3% |
| Cust Service Claim Handling | Company Position Upheld; Contract Language/Legal Issue; Information Furnished | 1 | 0.3% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Additional Payment Expected; Information Furnished | 1 | 0.3% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Question of Fact; Additional P | 1 | 0.3% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Information Furnished; Additio | 1 | 0.3% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Question of Fact; Additional M | 1 | 0.3% |
| Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Company Position Upheld; Information Furnished | 1 | 0.3% |
| Unsatisfactory Settle/Offer | Additional Monies Received; Contract Language/Legal Issue; Appraisal Process Invoked | 1 | 0.3% |
| Unsatisfactory Settle/Offer | Corrective Action Taken; Additional Monies Received | 1 | 0.3% |
| Unsatisfactory Settle/Offer | Additional Payment Expected; Question of Fact | 1 | 0.3% |
| Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Question of Fact | 1 | 0.3% |
| Unsatisfactory Settle/Offer | Additional Monies Received; Corrective Action Taken; Claim Settled | 1 | 0.3% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Question of Fact; Information Furnished | 1 | 0.3% |
| Unsatisfactory Settle/Offer | Question of Fact | 1 | 0.3% |
| Cust Service Claim Handling | 1 | 0.3% |
| Unsatisfactory Settle/Offer | Additional Monies Received | 1 | 0.3% |
| Notice Requirements; Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Additional Monies Received | 1 | 0.3% |
| Notice Requirements | Consumer Withdraw | 1 | 0.3% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Claim Settled | 1 | 0.3% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Additional Payment Expected | 1 | 0.3% |
| Unsatisfactory Settle/Offer | Additional Monies Received; Corrective Action Taken | 1 | 0.3% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Additional Payment Expected | 1 | 0.3% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Information Furnished; Question of Fact | 1 | 0.3% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Additional Monies Received | 1 | 0.3% |
| Assignment of Benefits | Contract Language/Legal Issue | 1 | 0.3% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Question of Fact; Company Position Upheld | 1 | 0.3% |
| Cust Service Claim Handling | Contract Language/Legal Issue; Consumer Withdraw | 1 | 0.3% |
| Cust Service Claim Handling; Notice Requirements; Unsatisfactory Settle/Offer | Company Position Upheld; Contract Langua | 1 | 0.3% |
| Cust Service Claim Handling; Endorsement / Rider; Notice Requirements; Unsatisfactory Settle/Offer | Company Position Up | 1 | 0.3% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Company Position Upheld | 1 | 0.3% |
| Unsatisfactory Settle/Offer | Company Position Upheld; Contract Language/Legal Issue | 1 | 0.3% |
| Not Within TDI Jurisdiction | Information Furnished | 1 | 0.3% |
| Agent Handling; Cust Service Claim Handling; Unsatisfactory Settle/Offer | Company Position Upheld; Contract Language/Le | 1 | 0.3% |
| Cust Service Claim Handling; Endorsement / Rider; Unsatisfactory Settle/Offer | Contract Language/Legal Issue | 1 | 0.3% |
| Unsatisfactory Settle/Offer | Question of Fact; Information Furnished | 1 | 0.3% |
| Notice Requirements | Question of Fact; Insufficient Information; Additional Payment Expected | 1 | 0.3% |
| Unsatisfactory Settle/Offer | Failure to Timely Respond; Contract Language/Legal Issue | 1 | 0.3% |
| Unsatisfactory Settle/Offer | Information Furnished; Additional Payment Expected | 1 | 0.3% |
| Unsatisfactory Settle/Offer | Claim Settled; Additional Monies Received | 1 | 0.3% |
| Unsatisfactory Settle/Offer | Additional Monies Received; Information Furnished; Question of Fact | 1 | 0.3% |
| Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Additional Payment Expected | 1 | 0.3% |
Complaints by Year
- 2026: 10 complaints
- 2025: 59 complaints
- 2024: 53 complaints
- 2023: 22 complaints
- 2022: 20 complaints
- 2021: 27 complaints
- 2020: 11 complaints
- 2019: 24 complaints
- 2018: 20 complaints
- 2017: 48 complaints
- 2016: 28 complaints
- 2015: 19 complaints
- 2014: 10 complaints
- 2013: 10 complaints
- 2012: 10 complaints
Recent homeowners Complaints Against RANCHERS AND FARMERS MUTUAL INSURANCE COMPANY in Texas
- homeowners Complaint #TX-452449-fe5ed61f (2026-04-06) — Claim denial
- homeowners Complaint #TX-452419-0cd91375 (2026-04-02) — Claim denial
- homeowners Complaint #TX-451496-f908beca (2026-03-25) — Cust Service Claim Handling; Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Corrective Action Taken
- homeowners Complaint #TX-450707-dec9aead (2026-03-19) — Delayed payment
- homeowners Complaint #TX-449522-c0211b09 (2026-03-06) — Claim denial
- homeowners Complaint #TX-449283-f908beca (2026-03-02) — Cust Service Claim Handling; Unsatisfactory Settle/Offer | Claim Settled; Contract Language/Legal Issue
- homeowners Complaint #TX-448237-dec9aead (2026-02-20) — Delayed payment
- homeowners Complaint #TX-448151-dec9aead (2026-02-20) — Delayed payment
- homeowners Complaint #TX-446747-51b575bc (2026-02-05) — Unsatisfactory Settle/Offer | Additional Monies Received; Additional Payment Expected; Corrective Action Taken
- homeowners Complaint #TX-445541-2a5c8f56 (2026-01-22) — Delayed payment
Frequently Asked Questions
How many homeowners complaints does RANCHERS AND FARMERS MUTUAL INSURANCE COMPANY have in Texas?
RANCHERS AND FARMERS MUTUAL INSURANCE COMPANY has 371 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 RANCHERS AND FARMERS MUTUAL INSURANCE COMPANY in Texas?
The most common issues are: Delayed payment (180), Claim denial (68), Premium or billing dispute (32), Policy cancellation (10), Unsatisfactory Settle/Offer | Contract Language/Legal Issue (5).
How does RANCHERS AND FARMERS MUTUAL INSURANCE COMPANY's homeowners record in Texas compare to other states?
RANCHERS AND FARMERS MUTUAL INSURANCE COMPANY has 371 homeowners complaints in Texas out of 371 total homeowners complaints nationwide. That is 100.0% of their homeowners volume.
Where can I file a homeowners complaint against RANCHERS AND FARMERS 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.
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