Consumers aren't exactly ecstatic with insurers' claims service these days. According to a recent Consumer Reports survey, which polled 10,700 readers about their satisfaction with their homeowners insurance claims service in the last few years, high-quality insurance can be costly and difficult to get, but there are a few carriers who clearly are leading the pack.  

Survey respondents rated Amica Mutual Group, USAA Group and the Chubb Group of Insurance Cos. higher for claims satisfaction than most other insurers. But while customers are pleased with their service levels, all three insurers, traditionally, aren't necessarily accessible to the masses. USAA homeowners insurance is available only to those with U.S. military connections; Chubb markets itself as a high-end insurer; and Amica traditionally only sold to those referred by policyholders, a process the company says is no longer the case.

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