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  1. Metlife
  2. State Farm
  3. Allstate
  4. Final thoughts on home insurance

The Stingiest Homeowner’s Insurance Companies


We pay for homeowner’s insurance hoping we’ll never need to use it. When property damage occurs, however, we should be confident that our insurance companies will fairly judge our claim. 

Unfortunately, some insurance companies have been known to sometimes undervalue or deny a claim unjustly, putting their profits over their policyholders.

Here are some historically stingy homeowner’s insurance companies. 


Metlife offers home, auto, life, and other kinds of insurance to about 90 million customers across more than 60 countries.

If you look at Metlife’s customer reviews, however, you might want to think twice about buying insurance. On Metlife’s Facebook page, the company has a rating of just 0.6 out of 5 stars based on 84 reviews.

Some reviewers suggest that Metlife does not always honestly review claims and often values profit over customer satisfaction.

We have offices in Houston, Corpus Christi, and Victoria; and will travel to any corner of Texas if we are capable of preventing an injustice.

Carrdigan and Anderson

State Farm

With an 18% market share, State Farm is the largest provider of home insurance policies in the U.S. Though not all customers have a negative experience with the company, it has been repeatedly criticized for some bad faith practices.

On WalletHub, State Farm has a 3.7-star rating out of 5, based on 2,244 reviews. Some customers report poor customer service and unfair claim denials. 


A report by the American Association for Justice ranked Allstate as the worst insurance company for consumers. The report claims that Allstate consistently tries to avoid paying valid claims, putting profit above its customers.

Some customer reviews also allege that Allstate unfairly undervalued or denied their claims.

Representing the injured in all areas of Texas that extends back over 40 years

Carrdigan and Anderson

Final thoughts on home insurance

When you’re choosing a home insurance provider, don’t just compare rates. What’s most important is arguably the company’s ability to handle claims honestly and transparently.

We recommend you do your research and find the best home insurance company for you. If you believe you have already been the victim of unfair practices by an insurer, seek legal counsel. Law firms such as Carrigan & Anderson that have an entire team dedicated to litigating bad faith insurance practices on behalf of consumers can help you receive the financial help you paid for. 
You can call Carrigan & Anderson at 361-884-4437 or contact us through our website at CarriganAnderson.com. We’re in business to help people who find themselves in situations involving unpaid insurance claims.

At Carrigan & Anderson, PLLC we can talk to you about your options and rights.

Carrdigan and Anderson