Combined Insurance (US): most-reported complaints
Automated analysis of 468 public Trustpilot reviews published 2023-02-22 to 2026-09-24. TrustScore 4.7 from 1,859 total reviews — see the Trustpilot page. Quick answer: is Combined Insurance (US) legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Reviewers most often report that customer support is unhelpful, with 57 complaints out of 146 identified issues. Warranty disputes are the second most common concern, accounting for 34 reports, followed by difficulties in reaching support staff with 25 reports. Other miscellaneous issues make up the remaining 20 complaints among the 468 reviews analyzed.
The company claimed its Trustpilot profile on 2024-12-05, uses Trustpilot’s paid features, uses Trustpilot’s AI-assisted replies, and last replied to a negative review on 2026-08-26. Trustpilot ranks it 18 of 66 in Insurance Company. We last checked this profile on 2026-09-24 and found 15 new reviews. These are facts Trustpilot publishes about the profile, as of our last harvest.
TrustScore over time
4.7 → 4.7 across 12 census measurements since 2026-08-17. Our own record, independent of Trustpilot’s display.
Reply behaviour over time
Solid: % of negative reviews replied to. Dashed: typical days to reply. Both as reported on this company’s Trustpilot profile, recorded whenever our census re-checked it and a figure had changed — the gaps between points are not equal: 2026-08-20 (79%, 6.9d) · 2026-08-24 (79%, 6.9d) · 2026-08-27 (79%, 7.1d) · 2026-08-30 (79%, 7.1d) · 2026-09-02 (77%, 7.7d) · 2026-09-08 (77%, 7.7d) · 2026-09-12 (74%, 7.7d) · 2026-09-15 (73%, 7.7d) · 2026-09-18 (73%, 7.7d) · 2026-09-21 (71%, 7.7d) · 2026-09-24 (71%, 7.7d).
Severity: 46% of this company’s 146 graded complaints were classified as severe (money lost, an essential service cut off, or a problem unresolved for months). See the harm index.
1★ share of negative reviews over time
Share of 1–3★ Trustpilot reviews that were 1★
In August 2025, 50% of 10 one-to-three-star reviews were 1★; in June 2026, 90% of 10.
Counted from August 2025 onward — the period for which our capture of 1★, 2★ and 3★ reviews is complete for all three. Months with fewer than 10 such reviews are omitted.
Reviewers here waited a median of 7.5 days between the experience and publishing their negative review (160 reviews record both dates).
Measured reply time: across 134 negative reviews that received a public reply, the median wait was 10.1 days — the company profile reports an average of 8 days. The two are measured differently: ours counts only replies we captured to negative reviews.
Reply quality: of 134 company replies to negative reviews analysed, 8% engaged with the specific problem and 92% were generic templates.
64% of its 296 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.
Sector benchmark: support unhelpful makes up 39% of this company’s complaints vs a 28% median across 148 ranked companies in its sector.
Review velocity: 1,496 of this company’s 1,859 Trustpilot reviews (80%) were written in the last 12 months.
What are the most common complaints about Combined Insurance (US)?
Support unhelpful
57 reports · 39% of complaintssteady“Combined has never paid a claim without denying it.”
The company replied on 2025-07-03: “Hello, please contact us at [email protected] so we can look into this situation further and see what happened. Thank you for taking the time to leave us this review.”
Our classifier read this reply as a template response.
2 readers marked this review helpful on Trustpilot.
“It takes hours to get someone on the phone”
The company replied on 2025-07-03: “We'd like to learn more about what happened so we can make things right. We are so sorry about the passing of your family member. Please contact us at [email protected].”
Our classifier read this reply as a template response.
2 readers marked this review helpful on Trustpilot.
“This company has done nothing to help the process. No one knows what they are doing and we get the run around!”
1 reader marked this review helpful on Trustpilot.
Warranty disputes
34 reports · 23% of complaintsfalling“Combined has never paid a claim without denying it.”
The company replied on 2025-07-03: “Hello, please contact us at [email protected] so we can look into this situation further and see what happened. Thank you for taking the time to leave us this review.”
Our classifier read this reply as a template response.
2 readers marked this review helpful on Trustpilot.
“This company has done nothing to help the process. No one knows what they are doing and we get the run around!”
1 reader marked this review helpful on Trustpilot.
“Many policies not paid as agreement File many claims Not paid”
The company replied on 2026-06-02: “We’re truly sorry to hear that your experience didn’t meet your expectations, or ours frankly. Your satisfaction and confidence are the most important things in our business, and we’d love the chance…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
Support unreachable
25 reports · 17% of complaintsfalling“It takes hours to get someone on the phone”
The company replied on 2025-07-03: “We'd like to learn more about what happened so we can make things right. We are so sorry about the passing of your family member. Please contact us at [email protected].”
Our classifier read this reply as a template response.
2 readers marked this review helpful on Trustpilot.
“Their file uploading portal doesn’t function.”
The company replied on 2025-07-03: “We’re really sorry to hear that your experience was disappointing, and we genuinely want to make it right. This isn’t the level of service we aim for, and we must do better for you. Please get in…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“Any returned calls promised are never returned.”
The company replied on 2025-07-03: “We’re really sorry to hear that your experience was disappointing, and we genuinely want to make it right. This isn’t the level of service we aim for, and we must do better for you. Please get in…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
Other
20 reports · 14% of complaintssteady“It seems nobody knows what they are doing at this insurance company.”
The company replied on 2025-07-03: “We'd like to learn more about what happened so we can make things right. Please contact us at [email protected].”
Our classifier read this reply as a template response.
2 readers marked this review helpful on Trustpilot.
“had to submit a couple claims each time I had to fight them”
The company replied on 2025-07-03: “We'd like to learn more about what happened. Please contact us directly at [email protected].”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“nothing but a SCAM, will never pay on claims”
The company replied on 2025-07-03: “Please get in touch with us directly so we can learn more about what happened and improve your experience at [email protected].”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
Billing errors
19 reports · 13% of complaintssteady“They keep charging my account for a policy that was supposed to be canceled.”
“I had 3 policy premiums taken from my checking account, and only intended opening one policy.”
“Claim said it was paid March 11, but it was to wrong person”
The company replied on 2026-04-28: “We sincerely apologize for your disappointing experience. This is not the standard we strive for, and we would like to address your concerns. Please contact us directly so we can resolve the issue…”
Our classifier read this reply as a template response.
Account/app problems
13 reports · 9% of complaintsrising since 2025-11“the portal was experiencing “technical issues” and wouldn’t come up at all”
The company replied on 2025-11-20: “We sincerely apologize for your disappointing experience. This is not the standard we strive for, and we would like to address your concerns. Please contact us directly so we can resolve the issue…”
Our classifier read this reply as a template response.
“I was not able to update it online due to system issues saying a payment in process always waited months for a supervisor to call me back”
The company replied on 2025-06-26: “Hello Candace, thank you so much for letting us know about this. We are always trying to make the Combined customer experience better and your frank feedback helps. We are going to contact you…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
“I still haven't been access one of my policies in my portal after several calls and emails”
Compare Combined Insurance (US) with…
- Combined Insurance (US) vs The General®
- Combined Insurance (US) vs IMG®
- Combined Insurance (US) vs NJM Insurance Group
- Combined Insurance (US) vs Mapfre Insurance (US)
- Combined Insurance (US) vs Colonial Surety
- Combined Insurance (US) vs Avemco Insurance Company
- Combined Insurance (US) vs Banner Life family of companies
- Combined Insurance (US) vs AssuranceAmerica
- Combined Insurance (US) vs Glacier Insurance Company
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-09-24.