Spinnaker Insurance Company — homeowners Complaints in Texas

Detailed analysis of 232 homeowners insurance complaints filed against Spinnaker Insurance Company by consumers in Texas, based on public NAIC and state DOI data.

Key Statistics

homeowners Complaints in Texas: 232
Total homeowners Complaints (All States): 237
Texas Share: 97.9%
NAIC Complaint Ratio: 0.56
AI Risk Score: 50/100

Analysis: Spinnaker Insurance Company homeowners in Texas

Spinnaker Insurance Company has accumulated 232 homeowners insurance complaints from consumers in Texas. Across all states, Spinnaker Insurance Company has 237 total homeowners complaints, making Texas responsible for 97.9% of the volume.

The most frequent complaint sub-type is Delayed payment with 120 complaints. Other common issues include Claim denial (39), Premium or billing dispute (21), Policy cancellation (19).

The most active year was 2026 with 6 complaints filed.

Consumers in Texas who have homeowners disputes with Spinnaker Insurance Company can file a complaint with the Texas Department of Insurance.

homeowners Complaint Issues in Texas

Issue Type	Complaints	%
Delayed payment	120	51.7%
Claim denial	39	16.8%
Premium or billing dispute	21	9.1%
Policy cancellation	19	8.2%
Unsatisfactory Settle/Offer \| Claim Settled; Information Furnished	2	0.9%
Unsatisfactory Settle/Offer \| Question of Fact; Contract Language/Legal Issue	2	0.9%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue	2	0.9%
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%

Complaints by Year

2026: 6 complaints
2025: 12 complaints
2024: 36 complaints
2023: 57 complaints
2022: 54 complaints
2021: 43 complaints
2020: 15 complaints
2019: 8 complaints
2018: 1 complaints

Recent homeowners Complaints Against Spinnaker Insurance Company in Texas

homeowners Complaint #TX-453470-381cf6ee (2026-04-14) — Delayed payment
homeowners Complaint #TX-452705-381cf6ee (2026-04-06) — Delayed payment
homeowners Complaint #TX-450860-5e38c234 (2026-03-20) — Claim denial
homeowners Complaint #TX-450361-769a489b (2026-03-16) — Delayed payment
homeowners Complaint #TX-446962-5320778e (2026-02-09) — Claim denial
homeowners Complaint #TX-446560-381cf6ee (2026-02-03) — Delayed payment
homeowners Complaint #TX-442116-769a489b (2025-12-11) — Delayed payment
homeowners Complaint #TX-440313-1cd727f5 (2025-11-20) — Claim denial
homeowners Complaint #TX-439902-769a489b (2025-11-17) — Delayed payment
homeowners Complaint #TX-435036-381cf6ee (2025-09-19) — Delayed payment

Frequently Asked Questions

How many homeowners complaints does Spinnaker Insurance Company have in Texas?

Spinnaker Insurance Company has 232 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 Spinnaker Insurance Company in Texas?

The most common issues are: Delayed payment (120), Claim denial (39), Premium or billing dispute (21), Policy cancellation (19), Unsatisfactory Settle/Offer | Claim Settled; Information Furnished (2).

How does Spinnaker Insurance Company's homeowners record in Texas compare to other states?

Spinnaker Insurance Company has 232 homeowners complaints in Texas out of 237 total homeowners complaints nationwide. That is 97.9% of their homeowners volume.

Where can I file a homeowners complaint against Spinnaker 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.