Spinnaker Insurance Company — renters Complaints in Texas

Detailed analysis of 23 renters insurance complaints filed against Spinnaker Insurance Company by consumers in Texas, based on public NAIC and state DOI data.

Key Statistics

renters Complaints in Texas: 23
Total renters Complaints (All States): 24
Texas Share: 95.8%
NAIC Complaint Ratio: 0.56
AI Risk Score: 50/100

Analysis: Spinnaker Insurance Company renters in Texas

Spinnaker Insurance Company has accumulated 23 renters insurance complaints from consumers in Texas. Across all states, Spinnaker Insurance Company has 24 total renters complaints, making Texas responsible for 95.8% of the volume.

The most frequent complaint sub-type is Delayed payment with 18 complaints. Other common issues include Claim denial (2), Premium or billing dispute (1), Cust Service Claim Handling; Unsatisfactory Settle/Offer | Additional Monies Received; Additional Payment Expected; Ques (1).

The most active year was 2026 with 4 complaints filed.

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

renters Complaint Issues in Texas

Issue Type	Complaints	%
Delayed payment	18	78.3%
Claim denial	2	8.7%
Premium or billing dispute	1	4.3%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Additional Monies Received; Additional Payment Expected; Ques	1	4.3%
Unsatisfactory Settle/Offer \| Question of Fact; Company Position Upheld; Contract Language/Legal Issue	1	4.3%

Complaints by Year

2026: 4 complaints
2024: 5 complaints
2023: 5 complaints
2022: 2 complaints
2021: 7 complaints

Recent renters Complaints Against Spinnaker Insurance Company in Texas

renters Complaint #TX-454460-8019b1d5 (2026-04-23) — Delayed payment
renters Complaint #TX-453385-769a489b (2026-04-13) — Delayed payment
renters Complaint #TX-451179-769a489b (2026-03-24) — Delayed payment
renters Complaint #TX-443859-381cf6ee (2026-01-06) — Delayed payment
renters Complaint #TX-403988-381cf6ee (2024-09-17) — Delayed payment
renters Complaint #TX-397717-a30bdfe2 (2024-07-15) — Claim denial
renters Complaint #TX-394305-8019b1d5 (2024-05-31) — Delayed payment
renters Complaint #TX-388999-381cf6ee (2024-03-27) — Delayed payment
renters Complaint #TX-381677-6134c430 (2024-01-03) — Delayed payment
renters Complaint #TX-381332-6134c430 (2023-12-28) — Delayed payment

Frequently Asked Questions

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

Spinnaker Insurance Company has 23 renters insurance complaints on file from consumers in Texas, according to NAIC and state DOI data.

What are the most common renters complaint issues with Spinnaker Insurance Company in Texas?

The most common issues are: Delayed payment (18), Claim denial (2), Premium or billing dispute (1), Cust Service Claim Handling; Unsatisfactory Settle/Offer | Additional Monies Received; Additional Payment Expected; Ques (1), Unsatisfactory Settle/Offer | Question of Fact; Company Position Upheld; Contract Language/Legal Issue (1).

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

Spinnaker Insurance Company has 23 renters complaints in Texas out of 24 total renters complaints nationwide. That is 95.8% of their renters volume.

Where can I file a renters 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.