Does your home insurance company have a lot of complaints? Will you have difficulty placing a claim, or have a valid claim delayed or denied? Can you be sure your company if good or bad? Most consumers fail to check the complaint records of their insurance companies. Here I provide 2010 complaint ratings for the 46 biggest (by New York market share) homeowners insurance companies in New York.(Accurate 2011 data is not available yet). Know the best & worst companies.

I’m always blogging to help you get the best policies and prices for auto, home, & life insurance, so bookmark or place my website in your favorites!

Fortunately, many New York home insurance companies have great complaint records, and my list will help you avoid the mediocre ones.

It’s important to choose an homeowners insurance company with a good complaint record, but the most important reason you must shop your homeowners insurance is to get the proper insurance coverage.

You need to adequately protect the biggest asset you own — your home — and unlike auto insurance, home insurance coverage options can be VERY different among insurance companies.

You need to have enough coverage to rebuild your home. But some insurance companies have options to rebuild no matter what it may cost, and other home insurance companies pay only your policy limit, or up to 120% of your coverage amount.

It is important to have the guarantee to rebuild no matter the cost, because when large losses occur, most homes are determined to be under-insured, and don’t have nearly enough insurance to rebuild their homes.

Some homeowners insurance companies will cover the sometimes substantial costs involved to comply with building codes and demolition laws. Other insurance companies do not cover it, or offer only a token amount of coverage. Some insurance companies cover water back up from sewers & drains, others do not cover it.

Most people never have a large claim like a house fire or a large lawsuit, but those people who do have a claim, often realize they made a mistake by not shopping to buy the coverage they really need. Don’t be one of those people, and shop for the right coverage for you.

You should shop your homeowners insurance every year, as you should with your auto insurance. Check the rates and coverage of ALL the leading homeowners insurance companies, so you can get the best combination of cost, coverage, and customer service. Agents who know how coverage differs among homeowners insurance companies will be a great source of information to you.

The New York Department of Financial Services website, and my website, are the sources of information used in this blog post about market share & complaint information.

New York does not have any complaint data available regarding New York home insurance companies. I use the national complaint ratio for each homeowners insurance company on my list, from the National Association of Insurance Commissioners website, as referenced on my website (see the link below). I devised a letter grade system, based on the national complaint ratios, to make it easy to tell if an insurance company has a better than average or worse than average complaint record.

Here is how my grading system works:

A+ = Insurance companies with complaints 25% or less than the average insurance company.

A = Insurance companies with complaints 50% or less than the average insurance company.

B = Insurance companies with complaints 90% or less than the average insurance company.

C = Insurance companies with complaints from 90% to 110% of the average insurance company.

D = Insurance companies with complaints from 110% to 200% of the average insurance company.

F = Insurance companies with complaints over 200% of the average insurance company. More than twice as much as average!

Consider these grades, along with price and other factors (as listed on my website), when choosing an homeowners insurance company.

Insurance companies frequently have several subsidiary insurance companies. For example, Nationwide & USAA have 3 subsidiary companies on this list. Make sure you know the correct name of the insurance subsidiary quoting or insuring you, to check the proper complaint grade.

46 NY Homeowners Insurance Companies Rated by 2010 National Complaints (listed alphabetically)

Adirondack Insurance Exchange = A+ (.16)

Allstate Indemnity Company = A (.38)

American Automobile Insurance Company = A+ (.10)

American Insurance Company (A Firemans Fund company) = A (.27)

Amica Mutual Insurance Company  = A (.32)

Automobile Insurance Company of Hartford, CT ( A Travelers company) = B+ (.56)

Bankers Standard Insurance Company = A+ (.07)

Castlepoint Insurance Company = A (.26)

Charter Oak Fire Insurance Company (a Travelers company) = A (.47)

Chartis Property Casualty Company (an AIG company) = A+(.12)

Chubb Indemnity Insurance Company = A+ (.17)

Citizen’s Insurance Company of America (an Hanover company) = A+ (.11)

Encompass Indemnity Company = B (.74)

Encompass Insurance Company of America  = C (.90)

Erie Insurance Company = A (.32)

Farmington Casualty Company (a Travelers company) = A (.29)

Fireman’s Fund Insurance Company = A (.29)

First Liberty Insurance Corp. = A ( .32)

Great Northern Insurance Company (a Chubb company) = A+ (.22)

Hanover Insurance Company = D (1.23)

Homesite Insurance Company of New York = A+ (No complaints)

Interboro Insurance Company  = A (.47)

Kemper Independence Insurance Company = A (.25)

Liberty Insurance Corp. ( a Liberty Mutual company)  = B (.54)

Massachusetts Bay Insurance Company (an Hanover company) = A (.27)

Merrimack Mutual Fire Insurance Company  = A (.46)

Metropolitan Property & Casualty Insurance Company (a Metlife company) = B (.59)

Nationwide Mutual Fire Insurance Company = B ( .76)

Nationwide Property & Casualty Insurance Company  = C+ (.90)

New York Central Mutual Fire Insurance Company = A+ (.06)

NGM Insurance Company = B (.78)

Pacific Indemnity Company (a Chubb company) = A+ (.13)

Peerless Insurance Company = B (.72)

Preferred Mutual Insurance Company  = B (.79)

Security Mutual Insurance Company = A (.37)

Sentinel Insurance Company LTD (an Hartford company) = C (.98)

State Farm Fire & Casualty Insurance Company = A (.44)

Sterling Insurance Company = A+ (No complaints)

Tower Insurance Company of New York = B+ (.55)

TRAVCO Insurance Company (a Travelers company) = A (.44)

Tri-state Consumer Insurance Company  = D (1.48)

Unitrin Auto & Home Insurance Company = C – (1.07)

Unitrin Preferred Insurance Company LTD  = A+ (No complaints)

USAA = A (.28)

USAA Casualty Insurance Company = A (.30)

Vigilant Insurance Company (a Chubb company) = A (.27)

Night Fire capsules and Musli Strong capsules can fix lots of problems, including premature ejaculation, erectile dysfunction and want to solve the problem in the fastest way to research the sites which are out there, and to compare them in order to discover whether or not there may be some underlying psychological condition or he or she may go ahead and prescribe an erectile dysfunction order viagra india appalachianmagazine.com drug. Keep cheap tadalafil tablets all medicines away from children and pets. Herbal libido enhancement supplements for women can be taken by women without verification by a physician that it 50mg viagra sale is safe to use estrogen therapy. Sometimes, non-maintenance of hygiene level sildenafil viagra generico look at this now around genital part can invite erectile dysfunctions.