Industry Average: 75
Industry Average: 75
Industry Average: 7.7
Industry Average: 8
Industry Average: 7
Occidental’s Smart Score of 60 was created by combining weighted averages of ratings for customer service, claims process, and value for price from 3rd party sources as well as our own research. We view these as the most important factors since they cover the entire experience of shopping for, maintaining, and making a claim on an insurance policy.
Data comes from customer reviews, officially filed complaints, financial stability data, and other insurance industry rating companies. Combining these metrics and sources provides the most accurate and broad-based analysis of what matters most when considering Occidental’s overall quality compared to other home insurers. While there is some overlap between our three primary metrics, each has unique characteristics that set them apart from each other.
With a score of 60, Occidental falls short of the industry average of 75. While this metric isn’t the be-all and end-all, it’s definitely a good point of reference when comparing home insurance options.
Our customer service score measures two primary things: user satisfaction when interacting with Occidental’s representatives, and their experience with online tools like quoting and managing a policy via website or app. Occidental’s customer service score comes from a variety of places. These include user reviews on Honest Policy, as well as other analytics companies such as JD Power, Insure.com, and Consumer Reports.
As you can see from Occidental’s service score of 6.8, they have a weak rating compared to similar home insurance companies, which clock in at an average of 7.7.
With minimal sources reporting customer service data for this company, we can’t calculate the estimated range. Consequently, we’re not certain about the accuracy of this score, but it’s the closest estimate we have.
Our claims process score looks at users' experiences when filing claims with Occidental. It takes into account not only claim outcomes, but also the ease of making and tracking a claim, as well as how fast Occidental handles it.
Occidental’s claim score is derived from various sources. These include reviews from Honest Policy users, and outside sources including Consumer Reports, Insure.com and JD Power. We round off our calculation with official complaints filed with the National Association of Insurance Commissioners (which primarily are claim related). These complaints are weighted against the size of each company to ensure an apples-to-apples comparison. This gives our claim score the most complete picture of what to expect when filing a claim with Occidental.
Evident from a claims score of 6.8, Occidental has a less stellar rating compared to the average claim score of 8 for similar home insurance companies.
With minimal sources reporting claims quality data for this company, we can’t calculate an estimated range. Thus, we can’t be certain about the accuracy of this score, it’s just our best estimate.
Occidental’s value score measures customer satisfaction when considering how much they pay versus the quality of their experience when dealing with the company.
How Occidental comes up with the price of a policy varies by state, and relates to a number of different factors. Some of these include driving record, how much you use your car, location, age, gender, and the car you drive. While price is a critical factor for most insurance customers, what they get for that money is even more important. As with our other scores, this rating comes from a variety of sources: Honest Policy, JD Power, Insure.com, Clearsurance, and Consumer Reports.
Occidental’s value for price score of 4.4 is not great compared to the average of 7 from other home insurance companies.
With few sources reporting price value data for this company, we don’t have an estimated range. As a result, we’re not 100% sure about this score. It’s more of an educated guess, so take it with a grain of salt.
Tracks how many more or less official complaints Occidental has than average. With an index of 0.34 Occidental is better than average.
The complaint index comes from two variables for each year and type of insurance.
The percentage of how many complaints Occidental has filed against them with the National Association of Insurance Commissioners (NAIC) compared to the total number of complaints filed with every company.
The percentage of how much insurance business (total policy premiums) Occidental has compared to the total amount of business of all the other companies.
By weighting complaints and business against their totals, and then dividing share of compliants by share of the market, we get the index value. With 1.0 being an average number of complaints, a 0.5 would be half as many complaints. With an index of 0.34 Occidental is better than average.
How does Occidental compare to other insurance companies? Click the following links below to compare Occidental to other top insurance companies.