STATE AUTOMOBILE MUTUAL INSURANCE COMPANY — homeowners Complaints in Texas

Detailed analysis of 119 homeowners insurance complaints filed against STATE AUTOMOBILE MUTUAL INSURANCE COMPANY by consumers in Texas, based on public NAIC and state DOI data.

Key Statistics

homeowners Complaints in Texas: 119
Total homeowners Complaints (All States): 133
Texas Share: 89.5%
NAIC Complaint Ratio: 2.79
AI Risk Score: 76/100

Analysis: STATE AUTOMOBILE MUTUAL INSURANCE COMPANY homeowners in Texas

STATE AUTOMOBILE MUTUAL INSURANCE COMPANY has accumulated 119 homeowners insurance complaints from consumers in Texas. Across all states, STATE AUTOMOBILE MUTUAL INSURANCE COMPANY has 133 total homeowners complaints, making Texas responsible for 89.5% of the volume.

The most frequent complaint sub-type is Delayed payment with 58 complaints. Other common issues include Claim denial (24), Premium or billing dispute (11), Policy cancellation (3).

The most active year was 2026 with 4 complaints filed.

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

homeowners Complaint Issues in Texas

Issue Type	Complaints	%
Delayed payment	58	48.7%
Claim denial	24	20.2%
Premium or billing dispute	11	9.2%
Policy cancellation	3	2.5%
Unsatisfactory Settle/Offer \| Question of Fact; Information Furnished	2	1.7%
Unsatisfactory Settle/Offer \| Information Furnished	2	1.7%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Company Position Upheld; Addit	1	0.8%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Information Furnished; Claim Settled	1	0.8%
Unsatisfactory Settle/Offer \| Question of Fact; Information Furnished; Contract Language/Legal Issue	1	0.8%
Cust Service Claim Handling \| Company Position Upheld; Question of Fact; Information Furnished	1	0.8%
Unsatisfactory Settle/Offer \| Claim Settled; Additional Monies Received	1	0.8%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Question of Fact; Claim Settled	1	0.8%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Question of Fact	1	0.8%
Unsatisfactory Settle/Offer \| Claim Settled; Question of Fact; Information Furnished	1	0.8%
Unsatisfactory Settle/Offer \| Claim Settled; Contract Language/Legal Issue; Company Position Upheld	1	0.8%
Liability Dispute \| Information Furnished; Company Position Upheld	1	0.8%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Company Position Upheld	1	0.8%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Additional Monies Received; Claim Settled	1	0.8%
Unsatisfactory Settle/Offer \| Claim Settled; Company Position Upheld; Information Furnished	1	0.8%
Other \| Contract Language/Legal Issue	1	0.8%
Unsatisfactory Settle/Offer \| Additional Monies Received	1	0.8%
Unsatisfactory Settle/Offer \| Information Furnished; Additional Monies Received	1	0.8%
Liability Dispute; Unsatisfactory Settle/Offer \| Question of Fact; Information Furnished	1	0.8%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue	1	0.8%
Unsatisfactory Settle/Offer \| Information Furnished; Company Position Upheld	1	0.8%

Complaints by Year

2026: 4 complaints
2025: 11 complaints
2024: 13 complaints
2023: 11 complaints
2022: 12 complaints
2021: 9 complaints
2020: 5 complaints
2019: 2 complaints
2018: 6 complaints
2017: 3 complaints
2016: 6 complaints
2015: 6 complaints
2014: 14 complaints
2013: 13 complaints
2012: 4 complaints

Recent homeowners Complaints Against STATE AUTOMOBILE MUTUAL INSURANCE COMPANY in Texas

homeowners Complaint #TX-450410-8f4a8e37 (2026-03-16) — Policy cancellation
homeowners Complaint #TX-450099-d35d04cb (2026-03-12) — Cust Service Claim Handling; Unsatisfactory Settle/Offer | Contract Language/Legal Issue; Company Position Upheld; Addit
homeowners Complaint #TX-448564-362a5d0a (2026-02-25) — Claim denial
homeowners Complaint #TX-448067-362a5d0a (2026-02-19) — Claim denial
homeowners Complaint #TX-442818-5e655afb (2025-12-19) — Delayed payment
homeowners Complaint #TX-438435-1addf949 (2025-10-29) — Delayed payment
homeowners Complaint #TX-436905-9ec549c8 (2025-10-13) — Premium or billing dispute
homeowners Complaint #TX-427165-b86590d1 (2025-06-25) — Delayed payment
homeowners Complaint #TX-422577-24215023 (2025-04-30) — Premium or billing dispute
homeowners Complaint #TX-420223-5e655afb (2025-04-04) — Delayed payment

Frequently Asked Questions

How many homeowners complaints does STATE AUTOMOBILE MUTUAL INSURANCE COMPANY have in Texas?

STATE AUTOMOBILE MUTUAL INSURANCE COMPANY has 119 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 STATE AUTOMOBILE MUTUAL INSURANCE COMPANY in Texas?

The most common issues are: Delayed payment (58), Claim denial (24), Premium or billing dispute (11), Policy cancellation (3), Unsatisfactory Settle/Offer | Question of Fact; Information Furnished (2).

How does STATE AUTOMOBILE MUTUAL INSURANCE COMPANY's homeowners record in Texas compare to other states?

STATE AUTOMOBILE MUTUAL INSURANCE COMPANY has 119 homeowners complaints in Texas out of 133 total homeowners complaints nationwide. That is 89.5% of their homeowners volume.

Where can I file a homeowners complaint against STATE AUTOMOBILE 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.