STATE NATIONAL INSURANCE COMPANY, INC. — homeowners Complaints in Texas

Detailed analysis of 178 homeowners insurance complaints filed against STATE NATIONAL INSURANCE COMPANY, INC. by consumers in Texas, based on public NAIC and state DOI data.

Key Statistics

homeowners Complaints in Texas: 178
Total homeowners Complaints (All States): 178
Texas Share: 100.0%
NAIC Complaint Ratio: 0.02
AI Risk Score: 32/100

Analysis: STATE NATIONAL INSURANCE COMPANY, INC. homeowners in Texas

STATE NATIONAL INSURANCE COMPANY, INC. has accumulated 178 homeowners insurance complaints from consumers in Texas. Across all states, STATE NATIONAL INSURANCE COMPANY, INC. has 178 total homeowners complaints, making Texas responsible for 100.0% of the volume.

The most frequent complaint sub-type is Delayed payment with 82 complaints. Other common issues include Claim denial (55), Premium or billing dispute (16), Policy cancellation (10).

The most active year was 2026 with 4 complaints filed.

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

homeowners Complaint Issues in Texas

Issue Type	Complaints	%
Delayed payment	82	46.1%
Claim denial	55	30.9%
Premium or billing dispute	16	9.0%
Policy cancellation	10	5.6%
Unsatisfactory Settle/Offer \| Question of Fact	2	1.1%
Cust Service Claim Handling \| Question of Fact; Contract Language/Legal Issue	1	0.6%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Information Furnished; Company Position Upheld; Contract Lang	1	0.6%
Cust Srvc Policy Holder Srvcs \| Corrective Action Taken; Claim Settled; Information Furnished	1	0.6%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Corrective Action Taken	1	0.6%
Cust Service Claim Handling \| Corrective Action Taken; Claim Settled; Additional Monies Received	1	0.6%
Unsatisfactory Settle/Offer \| Claim Settled; Corrective Action Taken	1	0.6%
Unsatisfactory Settle/Offer \| Question of Fact; Company Position Upheld; Information Furnished	1	0.6%
Unsatisfactory Settle/Offer \| Question of Fact; Contract Language/Legal Issue; Claim Settled	1	0.6%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue	1	0.6%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Question of Fact	1	0.6%
Misleading sales	1	0.6%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Question of Fact; Additional Payment Expected	1	0.6%
Other \| Company Position Upheld	1	0.6%

Complaints by Year

2026: 4 complaints
2025: 9 complaints
2024: 6 complaints
2023: 11 complaints
2022: 12 complaints
2021: 40 complaints
2020: 23 complaints
2019: 17 complaints
2018: 11 complaints
2017: 19 complaints
2016: 13 complaints
2015: 2 complaints
2014: 4 complaints
2013: 4 complaints
2012: 3 complaints

Recent homeowners Complaints Against STATE NATIONAL INSURANCE COMPANY, INC. in Texas

homeowners Complaint #TX-449101-29511888 (2026-03-03) — Cust Service Claim Handling | Question of Fact; Contract Language/Legal Issue
homeowners Complaint #TX-448408-9e2d2f96 (2026-02-24) — Delayed payment
homeowners Complaint #TX-445661-d393a8af (2026-01-26) — Delayed payment
homeowners Complaint #TX-445398-1cf41c75 (2026-01-21) — Cust Service Claim Handling; Unsatisfactory Settle/Offer | Information Furnished; Company Position Upheld; Contract Lang
homeowners Complaint #TX-438795-198f63a0 (2025-11-03) — Claim denial
homeowners Complaint #TX-434804-79dac545 (2025-09-17) — Claim denial
homeowners Complaint #TX-428239-74e29e58 (2025-07-08) — Delayed payment
homeowners Complaint #TX-425677-c3a4d02a (2025-06-06) — Cust Srvc Policy Holder Srvcs | Corrective Action Taken; Claim Settled; Information Furnished
homeowners Complaint #TX-419446-a10d7d21 (2025-03-26) — Premium or billing dispute
homeowners Complaint #TX-419011-c367119c (2025-03-21) — Policy cancellation

Frequently Asked Questions

How many homeowners complaints does STATE NATIONAL INSURANCE COMPANY, INC. have in Texas?

STATE NATIONAL INSURANCE COMPANY, INC. has 178 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 NATIONAL INSURANCE COMPANY, INC. in Texas?

The most common issues are: Delayed payment (82), Claim denial (55), Premium or billing dispute (16), Policy cancellation (10), Unsatisfactory Settle/Offer | Question of Fact (2).

How does STATE NATIONAL INSURANCE COMPANY, INC.'s homeowners record in Texas compare to other states?

STATE NATIONAL INSURANCE COMPANY, INC. has 178 homeowners complaints in Texas out of 178 total homeowners complaints nationwide. That is 100.0% of their homeowners volume.

Where can I file a homeowners complaint against STATE NATIONAL INSURANCE COMPANY, INC. 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.