Insurer quality profile · NAIC 13634
Essent Guar Inc
Group: Essent Grp
Is Essent Guar Inc reputable?
No complaint data is available for Essent Guar Inc in this dataset. Use the NAIC Consumer Insurance Search to look up complaint data for this carrier.
California market: $218,884,886 in direct premiums written , 20.2% direct loss ratio (DERIVED).
This page informs — it does not rank or recommend. Verify the license at your state Department of Insurance before purchasing.
What the California loss ratio means
The California direct loss ratio (20.2%) is direct losses incurred divided by direct premiums earned — a measure of what fraction of premium revenue the carrier paid out in claims in California. Atlas Commons computes this from CA DOI Market Share Report figures; the CA DOI publishes the component figures, not this ratio.
A ratio below 100% means the carrier paid less in claims than it collected in premium. Above 100% means it paid more. Neither is "good" or "bad" without knowing the product mix, year, and market conditions — use it as one data point alongside other sources.
Treasury C570 Surety Certification
Essent Guar Inc is NOT listed on the U.S. Treasury Circular 570 as a certified surety company. Surety certification applies only to federal bonds — it says nothing about this carrier's quality for health, auto, homeowners, or other lines. Verify at fiscal.treasury.gov.
Lines written in California
MORTGAGE GUARANTY, TOTALS
Frequently asked questions
Does Essent Guar Inc have any complaints on file?
No complaint data is available for Essent Guar Inc (NAIC 13634) in this dataset. Use the NAIC Consumer Insurance Search to look up national complaint data for this carrier directly.
Is Essent Guar Inc Treasury C570 certified for surety bonds?
No. Essent Guar Inc (NAIC 13634) is NOT listed on the U.S. Treasury Circular 570. Surety certification applies only to federal contract bonds — most personal-lines carriers are not on this list.
How do I verify Essent Guar Inc's license or file a complaint?
To verify a carrier's license, contact your state Department of Insurance — each state has its own licensing database. For complaints, file with your state DOI (not with Coverage Atlas). You can also look up Essent Guar Inc (NAIC 13634) directly at the NAIC Consumer Insurance Search (https://eapps.naic.org/cis/).
How much insurance does Essent Guar Inc write in California?
Per the California DOI Market Share Report, Essent Guar Inc (NAIC 13634) wrote $218,884,886 in California direct premiums across MORTGAGE GUARANTY, TOTALS. The California direct loss ratio — direct losses incurred divided by direct premiums earned, computed by Atlas Commons from CA DOI figures — is 20.2%.
What to do next
- Verify the license: before purchasing from any carrier, confirm it is licensed in your state at your state Department of Insurance website.
- File a complaint: if you have an unresolved issue with this carrier, file a complaint with your state DOI — not with Coverage Atlas. State DOIs are the legal authority.
- Look up complaint data yourself: the NAIC Consumer Insurance Search lets you look up any licensed carrier by NAIC code (13634).
RECORDED — complaint counts, policies in force, surety certification, and CA direct premium written are reported figures from named authorities (Treasury C570, CA DOI). DERIVED — the CA loss ratio are Atlas Commons computations over those reported figures — not published by the source authority.
This profile informs and compares — it does not rank, certify, or advise. To verify a carrier's license or file a complaint, contact your state Department of Insurance. Data generated June 24, 2026.
Machine-readable: JSON-LD · Markdown · Sources: CA DOI market share · Treasury C570 · NAIC CIS