One Home Insurer Closed 78.4% of Claims With No Payment. Another Closed 7.5%.

Mid-Century Insurance Co. of TX closed 78.4% of its 2025 homeowner claims with no payment, the highest rate of any large U.S. home insurer, according to Weiss Ratings. MS Farm Bureau Casualty Insurance Co. sits at the other end of the same list, closing 7.5% of its claims with no payment last year, a 92.5% payment rate. The 70.8-percentage-point difference between the two shows that the insurer you choose affects how often a claim ends without a check. That difference doesn't prove wrongful denial on its own. Weiss's “closed with no payment” measure also counts claims closed for other reasons, including damage below the deductible and claims the homeowner withdrew, and some insurers dispute that the comparison is as simple as the numbers suggest.

Weiss Ratings, an independent insurance rating agency, published the analysis on April 16, 2026. The underlying figures come from each company's 2025 NAIC Schedule P filings, the same regulatory claims data insurers report to state regulators. A separate Wall Street Journal analysis of NAIC data, published in May 2026, reached a similar conclusion: the five largest home insurers closed more than 44% of their 2025 claims with no payment, up from 36% a decade earlier. Weiss's report names 15 large home insurers that closed at least 49.7% of their claims with no payment in 2025 and 10 that closed 20.3% or less. It defines a large insurer as one with at least $1 million in homeowners and farmowners premium, at least 30% of its total business in that line, and at least 5,000 claims received and closed in 2025. Across the 124 insurers in Weiss's broader lookup table, each with at least 2,000 claims closed, the weighted average no-payment rate was 41.3%.

Fifteen large home insurers closed 49.7% or more of their 2025 homeowner claims with no payment, based on Weiss Ratings' analysis of NAIC filings. Mid-Century Insurance Co. of TX topped the list at 78.4%, followed by Lemonade Insurance Co. at 64.0% and Spinnaker Insurance Co. at 61.0%. Citizens Property Insurance Corp., Florida's state-backed insurer of last resort, closed 60.6% of its claims with no payment, the fourth-highest rate on the list.

Eleven of the 15 worst-payer insurers are based in Texas, Florida or California, the three states most exposed to hurricanes and wildfires. Weighted by claim volume rather than company count, insurers based in California closed 52.4% of their 2025 claims with no payment, Texas insurers 48.6% and Florida insurers 44.1%, all above the 41.3% average across the 124 insurers in Weiss's full lookup table. State of domicile reflects where an insurer is legally based, not where its policyholders live or where a claim was filed, so these figures describe insurers headquartered in each state rather than a state-by-state map of denied claims.

Fire Insurance Exchange and Farmers Insurance Exchange each closed 55.5% of claims with no payment, and Stillwater Insurance Co. closed 49.7%, all three based in California. Weiss pointed to wildfire smoke-damage disputes as one factor. According to Weiss, claims filed under the California FAIR Plan, a separate high-risk pool that is not one of the 15 large insurers ranked here, were sometimes denied when the plan's smoke-damage language covered only smoke a person could see or smell, not microscopic contamination. Smoke-damage handling has since drawn regulatory action in the state: in July 2025 the California Department of Insurance filed an Order to Show Cause against the FAIR Plan for systematically denying smoke-damage claims, and in May 2026 the Department announced an enforcement action against State Farm after a market conduct examination found 398 violations of state law in a sample of wildfire claims. Homeowners shopping in the state can compare current home insurance costs in California before choosing a policy.

Weiss's official worst-15 and best-10 lists include only insurers with 5,000 or more homeowner and farmowner claims closed in 2025. Its broader lookup table, which reaches down to 2,000 claims closed, shows that several smaller companies post no-payment rates more extreme in both directions than anything on the official lists, purely because they fall under the volume cutoff.

Sutton National Insurance Co., based in Oklahoma, closed 66.6% of its 2,401 claims with no payment in 2025, higher than every insurer on Weiss's official worst-15 list except Mid-Century. Texas FAIR Plan Association, the state's insurer of last resort for high-risk properties, closed 62.9% of its 2,388 claims with no payment. Four more insurers with fewer than 5,000 claims closed also topped 50%.

At the other extreme, Privilege Underwriters Reciprocal, a Florida-based insurer that closed 3,226 claims in 2025, paid all but 11 of them, a 0.3% no-payment rate below MS Farm Bureau's best-in-class figure of 7.5%. Monarch National Insurance Co., also based in Florida, closed 3,157 claims at a 1.3% no-payment rate.

These smaller companies write far fewer policies than the insurers on the official lists, so a handful of claims can swing their no-payment rate in either direction, and their results aren't necessarily comparable to mass-market insurers writing tens of thousands of policies. A company's absence from Weiss's headline lists reflects its claim volume, not its no-payment rate.

MS Farm Bureau Casualty Insurance Co. closed 7.5% of its 2025 homeowner claims with no payment, the lowest rate among large insurers, followed by Homesite Insurance Co. at 8.6% and Alfa Mutual Insurance Co. at 13.3%.

Eight of the 10 best-paying insurers are regional mutual or farm bureau companies based outside the most disaster-prone states: Mississippi, Wisconsin, Alabama, Indiana, Michigan, New York, Tennessee and Virginia. Nationwide Mutual Insurance Co. and Erie Insurance Co. are the only two names on the list that also compete for market share nationally. Nationwide closed 14.9% of its claims with no payment, and Erie closed 17.5%.

Both also appear among the best homeowners insurance companies of 2026 of 2026, MoneyGeek's ranking of providers on price and claims service rather than no-payment rate alone.

The difference between the best and worst payers isn't new, but it has widened. The industry-wide no-payment rate rose from 25.7% in 2004 to 42% in 2024, according to Weiss, even as top-performing insurers held their rates at 20.3% or below. For more on national cost and coverage trends, see MoneyGeek's homeowners insurance statistics.

Some insurers say Weiss's method overstates how often they deny valid claims. Allstate told the Los Angeles Times that the analysis is “inaccurate and substantially inflates the rate of unpaid claims.” Weiss Ratings founder Martin D. Weiss answered in the same report: “It's not fair for me to say all these claims were legitimate, but it's equally unfair for insurance companies to claim they're all illegitimate.” For Allstate's overall ratings, see MoneyGeek's Allstate home insurance review.

USAA makes a more specific version of the argument. A USAA spokesperson told The Wall Street Journal that Weiss's method doesn't separate a claim denied outright from a claim closed without payment for other reasons, including damage that fell below the homeowner's deductible, claims the policyholder withdrew, and claims later reopened and paid. Once those factors are counted, USAA said, fewer than 6% of its claims were denied. For the company's overall ratings, see MoneyGeek's USAA home insurance review.

Weiss's published method does address one common objection: it excludes claims later reopened, so a claim first closed without payment and then reversed on appeal doesn't count against an insurer twice. It doesn't separately break out coverage gaps or unmet deductibles from outright denials, which is the core of what USAA and Allstate dispute. Weiss has defended the broader pattern. The 10 best-paying insurers still paid between 79.7% and 92.5% of the claims they received in 2025. United Services Automobile Association and Farmers Insurance Exchange did not respond to the Los Angeles Times' 2025 requests for comment on the findings.

Weiss is a smaller rating agency than AM Best or S&P, and its home insurance work has drawn pushback. Florida's Office of Insurance Regulation objected to Weiss's characterization of the state's market and previously subpoenaed the agency over an earlier report. The company-level figures in this article come from one source, so a single reporting or classification error at Weiss would affect the rankings. Two things reduce that risk. First, the underlying data is NAIC Schedule P, the regulatory filing insurers submit to state regulators, not a proprietary Weiss survey. Second, the Wall Street Journal ran its own analysis of the same NAIC data in May 2026 and found the same trend: no-payment rates near half of all claims at the largest insurers, rising over the past decade. The broad pattern holds across independent reviews, even where a specific company's rate depends on how Weiss classified its claims.

Yes, and not always in the same direction. Insurers that appear on Weiss's worst-payer or best-payer lists in more than one year show different multi-year patterns, based on MoneyGeek's review of Weiss's 2023, 2024 and 2025 reports.

United Services Automobile Association and its two affiliated entities, USAA Casualty Insurance Co. and USAA General Indemnity Co., posted an average no-payment rate of about 48.1% in 2023, 49.0% in 2024 and 51.0% in 2025, based on Weiss's reports for each year. USAA's home insurance is limited to military members, veterans and their families, and its no-payment rate has risen for two straight years.

Farmers Insurance Exchange moved in a different pattern before reversing: about 49.7% in 2023, 41.1% in 2024, then back up to 55.5% in 2025. That roughly 14-percentage-point jump from 2024 to 2025 was the largest single-year increase among the insurers MoneyGeek reviewed across all three Weiss reports.

Homesite Insurance Co. shows the largest swing MoneyGeek found in Weiss's reports: a 44.4% no-payment rate in 2024, then 8.6% in 2025, a 35.8-percentage-point drop in a single year. That figure needs a naming caveat. Weiss's 2025 lookup table lists a separate, similarly named entity, Homesite Insurance Co. of the MW, at 42.3% in 2025. The two are different NAIC-registered companies (Homesite Insurance Co. is NAIC 17221; Homesite Insurance Co. of the MW is NAIC 13927), so readers comparing Homesite's year-over-year change should confirm which legal entity a given figure refers to before drawing conclusions. Weiss's published method doesn't explain what drove the 2024-to-2025 change at Homesite Insurance Co. specifically.

Start by reading the denial letter against your policy's exclusions and limitations sections, since most denials cite a specific provision. MoneyGeek's guide to how to read a homeowners insurance policy walks through where insurers usually draw coverage lines, including deductible provisions that can close a claim with no payment even when the damage is covered.

Gather the documentation the insurer says is missing, including photos, repair estimates and receipts, then file a written appeal directly with the company. If the claim still stalls, a licensed public adjuster can reassess the damage and negotiate on your behalf, usually for a share of any added payout. MoneyGeek's guide on what to do if a homeowners insurance company is stalling covers escalation steps, including how to file a complaint with your state insurance department.

If your insurer is on Weiss's worst-payer list, you don't have to wait for a renewal notice to shop around. MoneyGeek's state-specific rankings, including the best homeowners insurance companies in Florida, compare providers on price and claims service rather than brand recognition alone.

If an insurer cancels or declines to renew your policy after a claim, you still have options. MoneyGeek's guide onwhat to do if home insurance drops you covers high-risk market alternatives, including state FAIR plans, for homeowners who can't get coverage through a standard insurer.