Spinnaker Insurance Company — homeowners Insurance Complaints
Analysis of 237 homeowners insurance complaints filed against Spinnaker Insurance Company, based on public NAIC and state DOI data.
Key Statistics
- homeowners Complaints: 237
- Total Complaints (All Types): 263
- homeowners Share: 90.1%
- NAIC Complaint Ratio: 0.56
- AI Risk Score: 50/100
homeowners Complaint Issues
| Issue Type | Complaints | % of Total |
|---|---|---|
| Delayed payment | 122 | 51.5% |
| Claim denial | 40 | 16.9% |
| Premium or billing dispute | 22 | 9.3% |
| Policy cancellation | 20 | 8.4% |
| Unsatisfactory Settle/Offer | Claim Settled; Information Furnished | 2 | 0.8% |
| Unsatisfactory Settle/Offer | Question of Fact; Contract Language/Legal Issue | 2 | 0.8% |
| Unsatisfactory Settle/Offer | Contract Language/Legal Issue | 2 | 0.8% |
| Cust Srvc Policy Holder Srvcs | Company Position Upheld; Contract Language/Legal Issue; Information Furnished | 1 | 0.4% |
| Unsatisfactory Settle/Offer | Information Furnished; Contract Language/Legal Issue; Company Position Upheld | 1 | 0.4% |
| Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Corrective Action Taken; Additional Monies Received | 1 | 0.4% |
| Cust Srvc Policy Holder Srvcs; Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Company Position Upheld; Que | 1 | 0.4% |
| Other | Question of Fact; Information Furnished | 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 | Contract Language/Legal Issue; Additional Payment Expected; Q | 1 | 0.4% |
| Unsatisfactory Settle/Offer | Company Position Upheld; Question of Fact; Contract Language/Legal Issue | 1 | 0.4% |
| Unsatisfactory Settle/Offer | Company Position Upheld; Information Furnished; Contract Language/Legal Issue | 1 | 0.4% |
| Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Additional Monies Received; Corrective Action Taken | 1 | 0.4% |
| Unsatisfactory Settle/Offer | Information Furnished; Additional Monies Received; Contract Language/Legal Issue | 1 | 0.4% |
| Unsatisfactory Settle/Offer | Additional Monies Received; Question of Fact; Corrective Action Taken | 1 | 0.4% |
| Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Additional Payment Expected; Information Furnished | 1 | 0.4% |
| Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Company Position Upheld; Additional Payment Expected | 1 | 0.4% |
| Unsatisfactory Settle/Offer | Corrective Action Taken; Question of Fact; Additional Monies Received | 1 | 0.4% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Additional Payment Expected; Corrective Action Taken; Additio | 1 | 0.4% |
| Unsatisfactory Settle/Offer | Additional Monies Received; Contract Language/Legal Issue; Information Furnished | 1 | 0.4% |
| Cust Service Claim Handling | Question of Fact | 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 | Question of Fact | 1 | 0.4% |
| Cust Service Claim Handling | Information Furnished; Question of Fact; Failure to Timely Respond | 1 | 0.4% |
| Unsatisfactory Settle/Offer | Question of Fact; Additional Monies Received | 1 | 0.4% |
| Refusal to Insure | Contract Language/Legal Issue | 1 | 0.4% |
| Misrepresentation; Other | Question of Fact; Contract Language/Legal Issue | 1 | 0.4% |
| Misrepresentation | Information Furnished; Question of Fact; Contract Language/Legal Issue | 1 | 0.4% |
| Cust Service Claim Handling; Unsatisfactory Settle/Offer | Contract Language/Legal Issue | 1 | 0.4% |
| Agent Handling | Question of Fact | 1 | 0.4% |
homeowners Complaints by State
| State | Complaints |
|---|---|
| Texas | 232 |
| Connecticut | 5 |
Recent homeowners Complaints Against Spinnaker Insurance Company
- homeowners Complaint #TX-453470-381cf6ee — Texas (2026-04-14)
- homeowners Complaint #TX-452705-381cf6ee — Texas (2026-04-06)
- homeowners Complaint #TX-450860-5e38c234 — Texas (2026-03-20)
- homeowners Complaint #TX-450361-769a489b — Texas (2026-03-16)
- homeowners Complaint #TX-446962-5320778e — Texas (2026-02-09)
- homeowners Complaint #TX-446560-381cf6ee — Texas (2026-02-03)
- homeowners Complaint #TX-442116-769a489b — Texas (2025-12-11)
- homeowners Complaint #TX-440313-1cd727f5 — Texas (2025-11-20)
- homeowners Complaint #TX-439902-769a489b — Texas (2025-11-17)
- homeowners Complaint #CT-7078974-c1968a5e — Connecticut (2025-10-10)
Frequently Asked Questions
How many homeowners complaints does Spinnaker Insurance Company have?
Spinnaker Insurance Company has 237 homeowners insurance complaints on file, according to NAIC and state DOI data.
What are the most common homeowners complaint issues with Spinnaker Insurance Company?
The most common homeowners complaint issues for Spinnaker Insurance Company are: Delayed payment (122), Claim denial (40), Premium or billing dispute (22), Policy cancellation (20), Unsatisfactory Settle/Offer | Claim Settled; Information Furnished (2).
Which states have the most homeowners complaints against Spinnaker Insurance Company?
The states with the most homeowners complaints against Spinnaker Insurance Company are: Texas (232), Connecticut (5).
homeowners Complaints by State
- homeowners Complaints in California
- homeowners Complaints in Texas
- homeowners Complaints in New York
- homeowners Complaints in Florida
- homeowners Complaints in Illinois
- homeowners Complaints in Pennsylvania
- homeowners Complaints in Ohio
- homeowners Complaints in Georgia
- homeowners Complaints in North Carolina
- homeowners Complaints in New Jersey
Spinnaker Insurance Company Complaints by State
- Spinnaker Insurance Company Complaints in California
- Spinnaker Insurance Company Complaints in Texas
- Spinnaker Insurance Company Complaints in New York
- Spinnaker Insurance Company Complaints in Florida
- Spinnaker Insurance Company Complaints in Illinois
- Spinnaker Insurance Company Complaints in Pennsylvania
- Spinnaker Insurance Company Complaints in Ohio
- Spinnaker Insurance Company Complaints in Georgia
- Spinnaker Insurance Company Complaints in North Carolina
- Spinnaker Insurance Company Complaints in New Jersey