Weakest Homeowners Insurers

What our ratings mean
What if your insurer fails?
Which insurers are included in this list?
Terms and Conditions
Strongest Auto Insurers Strongest Business Insurers Strongest Homeowners Insurers
Weakest Auto Insurers Weakest Business Insurers Weakest Homeowners Insurers
Company
State
Total Assets ($000)
Weiss Financial Strength Rating
Adirondack Ins Exch
NY
251,543
D
Agents Mutual Ins Co
AR
1,509
D
Alliance Mutual Ins Co
NC
9,898
D+
American Farmers & Ranchers Mutual
OK
85,973
D+
American Fellowship Mut Ins Co
MI
6,704
D
American Integrity Ins Co Of FL
FL
93,360
D
American Traditions Ins Co
FL
31,124
D+
Americas Ins Co
LA
10,829
D+
Argonaut-Midwest Ins Co
IL
43,502
D+
Argus Fire & Casualty Ins Co
FL
38,496
D
Arizona Home Ins Co
AZ
16,351
D
Associated Mutual Ins Co
NY
27,495
D+
Atlantic Mutual Ins Co
NY
205,447
E-
Axis Surplus Ins Co
IL
378,412
D
Battle Creek Mutual Ins Co
NE
4,746
E
California Mutual Ins Co
CA
13,163
D-
Canonsburg Mutual Fire Ins Co
PA
1,966
D
Capitol Preferred Ins Co
FL
35,039
D-
Casualty Corp Of America
OK
5,034
E+
Catawba Ins Co
SC
11,100
D
Centennial Ins Co
NY
74,859
E-
Central Co-Operative Ins Co
NY
10,374
D
Centre County Mutual Fire Ins Co
PA
4,565
D+
Cherry Valley Cooperative Ins Co
NY
1,354
D
Colonial Lloyds
TX
28,384
D
Community Mutual Ins Co
NY
4,113
D
Conemaugh Valley Mutual Ins Co
PA
4,679
D
Consolidated Lloyds
TX
2,527
D+
Constitutional Casualty Co
IL
17,768
E+
Crum & Forster Indemnity Co
DE
36,062
D+
Cypress Property & Casualty Ins Co
FL
102,262
D
Cypress Texas Lloyds
TX
46,515
D
Delaware Grange Mutual Fire Ins Co
DE
1,206
D
Delos Ins Co
DE
601,209
D+
Delta Lloyds Ins Co Of Houston
TX
9,616
D
Dongbu Ins Co Ltd
HI
36,131
D-
Edison Ins Co
FL
20,075
E+
Elizabethtown Ins Co
PA
6,709
D+
Farm Bureau New Horizons Ins Co MO
MO
7,895
D+
Farmers & Mech Mu I Asn Of Cecil Cty
MD
1,390
D+
Farmers & Mechanics Fire & Cas Ins
WV
4,481
D
Farmers Mutual F I C Of Branch Cty
MI
1,781
E
Farmers Mutual Ins Co
MI
2,819
D
Farmers Mutual Ins Co
WV
9,950
F
Farmers Mutual Ins Co Of Ellinwood
KS
4,620
D
Farmers Union Mutual Ins Co
AR
6,573
D
Farmington Mutual Ins Co
WI
6,304
D
Federated National Ins Co
FL
77,398
D-
Financial Casualty & Surety Inc
TX
21,145
D+
First Home Ins Co
FL
49,980
D
First Mutual Ins Co
NC
4,326
D
First Net Ins Co
GU
12,805
D-
First Protective Ins Co
FL
62,286
D-
Fremont Ins Co
MI
89,441
D+
Fulmont Mutual Ins Co
NY
5,381
D
Genesee Patrons Coop Ins
NY
6,812
D-
Geovera Ins Co
CA
98,155
D+
Global Liberty Ins Co Of NY
NY
40,291
D-
Golden Bear Ins Co
CA
97,563
D
Grain Dealers Mutual Ins Co
IN
45,673
D+
Grange Mutual Fire Ins Co
PA
2,978
D+
Great Lakes Mutual Ins Co
MI
4,986
D
Great Northwest Ins Co
IN
24,658
D
Gulfstream Prop & Cas Ins Co
FL
65,037
D+
Halifax Mutual Ins Co
NC
6,093
D+
Hannahstown Mutual Ins Co
PA
2,688
D
Hanover Fire & Casualty Ins Co
PA
3,269
D+
Homeowners Choice Prop & Cas Ins Co
FL
111,630
D
Homeowners Of America Ins Co
TX
13,332
D-
Homesite Ins Co Of Ca
CA
80,865
D+
Homesite Ins Co Of The Midwest
ND
167,225
D+
Homewise Preferred Ins Co
FL
90,735
D
Integrity Prop & Cas Ins Co
WI
13,761
D+
Interboro Mutual Indemnity Ins Co
NY
73,964
E
Juniata Mutual Ins Co
PA
7,128
D+
Kentucky National Ins Co
KY
7,594
D+
Leatherstocking Coop Ins Co
NY
13,504
D+
Lebanon Mutual Ins Co
PA
26,045
D
Lincoln General Ins Co
PA
706,433
E+
Lincoln Mutual Ins Co
NC
2,701
D
Little Black Mutual Ins Co
WI
4,866
D-
Lumbermens Mutual Cas Co
IL
1,124,027
E
Manitowoc Mutual Ins Co
WI
6,305
D
Members Ins Co
NC
6,114
E+
Mid-Continent Ins Co
PA
40,589
D
Middle Georgia Mutual Ins Co
GA
13,016
D+
Midrox Ins Co
NY
5,565
D+
Millers First Ins Co
IL
36,857
D+
Missouri Valley Mutual Ins Co
SD
5,593
D+
Montour Mutual Ins Co
PA
1,074
D
Mount Carroll Mutual Ins Co
IL
3,154
D
Mountain Valley Indemnity Co
NH
72,651
D
Mt Morris Mutual Ins Co
WI
18,674
D+
Mutual Ins Co Of Lehigh Cty
PA
3,955
D
Mutual Savings Fire Ins Co
AL
6,258
D
Nazareth Mutual Ins Co
PA
11,285
D+
North East Ins Co
ME
102,408
D
Northern Capital Ins Co
FL
65,238
E
Northwest Gf Mutual Ins Co
SD
10,855
D
Oklahoma Farm Bureau Mutual Ins Co
OK
299,095
D
Olympus Ins Co
FL
39,134
D
Omega Ins Co
FL
39,777
E+
Otsego County Patrons Co-Op F R Asn
NY
1,986
D
Pacific Indemnity Ins Co
GU
17,895
D+
Pacific Pioneer Insurance Co
CA
22,410
D+
Pacific Specialty Property & Cas Co
TX
3,363
E
Palisades Property & Casualty Ins
NJ
57,484
D
Patrons Mutual Fire Ins Co Of In PA
PA
2,624
D+
Peoples Trust Ins Co
FL
26,039
D-
Piedmont Mutual Ins Co
NC
3,002
D
Prime Ins Co
IL
43,794
D
Ranchers & Farmers Ins Co
TX
7,544
D+
Reamstown Mutual Ins Co
PA
5,890
D
Royal Palm Ins Co
FL
633,523
E+
Rutgers Casualty Ins Co
NJ
50,952
D+
Safe Harbor Ins Co
FL
16,894
D+
Safe Ins Co
WV
7,243
D-
San Antonio Indemnity Co
TX
2,725
D+
Select Markets Ins Co
IL
14,078
D
Southern General Ins Co
GA
50,492
D
Southern Mutual Ins Co
GA
12,821
D+
Southern Oak Ins Co
FL
59,594
D
Southland Lloyds Ins Co
TX
3,226
D+
Spring Valley Mutual Ins Co
MN
7,982
E+
St Johns Ins Co Inc
FL
129,016
D
State Farm Florida Ins Co
FL
1,830,575
D
Stonington Ins Co
TX
453,478
D+
Sunshine State Ins Co
FL
47,698
E+
Tower Hill Preferred Ins Co
FL
77,904
D
Tower Hill Prime Ins Co
FL
115,663
D-
Tower Hill Select Ins Co
FL
62,910
D
Tower National Ins Co
MA
54,257
F
Town & Country Mutual Ins Co
AR
2,273
D
U S Lloyds Ins Co
TX
19,618
D
Underwriters At Lloyds
KY
229,164
D+
Underwriters At Lloyds London
IL
663,508
E+
Union Mutual Ins Co
OK
4,044
E+
United Heritage Prop & Cas Co
ID
21,988
D+
United Home Ins Co
AR
11,947
D
Universal Property & Casualty Ins
FL
391,088
E+
Waco Fire & Cas Ins Co
GA
39,824
D
Washington County Co-Operative Ins
NY
6,473
E+
West Virginia Ins Co
WV
38,992
D
West Virginia National Auto Ins Co
WV
9,340
D
Wilmington Ins Co
DE
4,581
D
Wisconsin American Mutual Ins Co
WI
4,015
D
Workmens Auto Ins Co
CA
67,048
D
Zephyr Ins Co Inc
HI
51,421
D-

Weiss Ratings scale: A = excellent, B = good, C = fair, D = weak, E = very weak, F = failed, plus sign = upper third of grade range, minus sign = lower third.

Data source: Statutory financial data reported to the National Association of Insurance Commissioners provided by SNL Financial LC, reflecting data as of December 31, 2009.

Selection criteria: U.S. insurance companies with line-of-business premium of $1 million or more with a Weiss Financial Strength Rating of D+ (Weak) or lower.