ZURICH AMERICAN INSURANCE COMPANY — homeowners Complaints in Texas

Detailed analysis of 247 homeowners insurance complaints filed against ZURICH AMERICAN INSURANCE COMPANY by consumers in Texas, based on public NAIC and state DOI data.

Key Statistics

homeowners Complaints in Texas: 247
Total homeowners Complaints (All States): 259
Texas Share: 95.4%
NAIC Complaint Ratio: 8.99
AI Risk Score: 83/100

Analysis: ZURICH AMERICAN INSURANCE COMPANY homeowners in Texas

ZURICH AMERICAN INSURANCE COMPANY has accumulated 247 homeowners insurance complaints from consumers in Texas. Across all states, ZURICH AMERICAN INSURANCE COMPANY has 259 total homeowners complaints, making Texas responsible for 95.4% of the volume.

The most frequent complaint sub-type is Delayed payment with 144 complaints. Other common issues include Claim denial (62), Premium or billing dispute (9), Unsatisfactory Settle/Offer | Question of Fact (3).

The most active year was 2026 with 8 complaints filed.

Consumers in Texas who have homeowners disputes with ZURICH AMERICAN INSURANCE COMPANY can file a complaint with the Texas Department of Insurance.

homeowners Complaint Issues in Texas

Issue Type	Complaints	%
Delayed payment	144	58.3%
Claim denial	62	25.1%
Premium or billing dispute	9	3.6%
Unsatisfactory Settle/Offer \| Question of Fact	3	1.2%
Policy cancellation	2	0.8%
Unsatisfactory Settle/Offer \| Information Furnished	2	0.8%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Corrective Action Taken; Additional Payment Expected	1	0.4%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Claim Settled; Corrective Action Taken	1	0.4%
Cust Service Claim Handling \| Claim Settled; Corrective Action Taken	1	0.4%
Liability Dispute \| Company Position Upheld; Information Furnished; Question of Fact	1	0.4%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Information Furnished; Company Position Upheld	1	0.4%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Corrective Action Taken; Claim Settled; Information Furnished	1	0.4%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Company Position Upheld; Question of Fact; Information Furnis	1	0.4%
Cust Service Claim Handling \| Question of Fact; Claim Settled; Information Furnished	1	0.4%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Information Furnished; Additional Payment Expected; Correctiv	1	0.4%
Unsatisfactory Settle/Offer \| Corrective Action Taken; Additional Monies Received; Contract Language/Legal Issue	1	0.4%
Misrepresentation \| Insufficient Information	1	0.4%
Cust Service Claim Handling; Liability Dispute \| Information Furnished	1	0.4%
Cust Service Claim Handling; Unsatisfactory Settle/Offer \| Question of Fact; Additional Payment Expected; Information Fu	1	0.4%
Unsatisfactory Settle/Offer \| Claim Settled; Information Furnished; Contract Language/Legal Issue	1	0.4%
Unsatisfactory Settle/Offer \| Additional Payment Expected; Information Furnished	1	0.4%
Unsatisfactory Settle/Offer \| Question of Fact; Information Furnished; Additional Payment Expected	1	0.4%
Misrepresentation \| Corrective Action Taken	1	0.4%
Unsatisfactory Settle/Offer \| Contract Language/Legal Issue; Information Furnished	1	0.4%
Cust Service Claim Handling \| Claim Settled	1	0.4%
Not Within TDI Jurisdiction \| No Jurisdiction; Referred To	1	0.4%
Unsatisfactory Settle/Offer \| Additional Payment Expected; Question of Fact; Complainant Retained Attorney	1	0.4%
Cust Service Claim Handling \| Corrective Action Taken	1	0.4%
Liability Dispute \| Complainant Retained Attorney; Question of Fact; Contract Language/Legal Issue	1	0.4%
Unsatisfactory Settle/Offer \| Additional Monies Received; Claim Settled	1	0.4%
Other \| Question of Fact; Information Furnished	1	0.4%

Complaints by Year

2026: 8 complaints
2025: 22 complaints
2024: 28 complaints
2023: 28 complaints
2022: 16 complaints
2021: 16 complaints
2020: 13 complaints
2019: 11 complaints
2018: 13 complaints
2017: 23 complaints
2016: 26 complaints
2015: 13 complaints
2014: 10 complaints
2013: 13 complaints
2012: 7 complaints

Recent homeowners Complaints Against ZURICH AMERICAN INSURANCE COMPANY in Texas

homeowners Complaint #TX-453628-c60166a8 (2026-04-15) — Delayed payment
homeowners Complaint #TX-452751-c60166a8 (2026-04-07) — Delayed payment
homeowners Complaint #TX-452499-0b5029bb (2026-04-03) — Cust Service Claim Handling; Unsatisfactory Settle/Offer | Corrective Action Taken; Additional Payment Expected
homeowners Complaint #TX-451950-c60166a8 (2026-03-30) — Delayed payment
homeowners Complaint #TX-448567-c60166a8 (2026-02-25) — Delayed payment
homeowners Complaint #TX-445525-0b5029bb (2026-01-22) — Cust Service Claim Handling; Unsatisfactory Settle/Offer | Claim Settled; Corrective Action Taken
homeowners Complaint #TX-444200-fdcbb5f2 (2026-01-08) — Premium or billing dispute
homeowners Complaint #TX-444004-c65a39c0 (2026-01-07) — Delayed payment
homeowners Complaint #TX-443191-799a76e0 (2025-12-29) — Claim denial
homeowners Complaint #TX-442804-bf76a0f5 (2025-12-19) — Claim denial

Frequently Asked Questions

How many homeowners complaints does ZURICH AMERICAN INSURANCE COMPANY have in Texas?

ZURICH AMERICAN INSURANCE COMPANY has 247 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 ZURICH AMERICAN INSURANCE COMPANY in Texas?

The most common issues are: Delayed payment (144), Claim denial (62), Premium or billing dispute (9), Unsatisfactory Settle/Offer | Question of Fact (3), Policy cancellation (2).

How does ZURICH AMERICAN INSURANCE COMPANY's homeowners record in Texas compare to other states?

ZURICH AMERICAN INSURANCE COMPANY has 247 homeowners complaints in Texas out of 259 total homeowners complaints nationwide. That is 95.4% of their homeowners volume.

Where can I file a homeowners complaint against ZURICH AMERICAN 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.