Does your home owners insurance company have a lot of complaints? How good is your company? Will you have difficulty placing a claim, or have a valid claim delayed or denied? Most consumers fail to check the complaint records of their insurance companies. Here I provide complaint information for the 30 largest (by Indiana market share) home insurance companies, and rank them from best to worst based on their 2010 complaint record (Accurate 2011 complaint record not available yet).

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!

The Indiana Department of Insurance website is the source of my information about market share & complaint information. I provide the Indiana complaint index for each home insurance company, but I devised a letter grade system to make it easy to tell an insurance company with a great or good complaint record, from an insurance company with a poor or average complaint record.

Go to my website to see national complaint ratios on homeowners insurance companies (or to find complaint information regarding car insurance) not on this list.

Here is my grading system. I also list the Indiana complaint index number. The lower the complaint index number, the better the company’s complaint record. 1 = average. Greater than 1 is worse than average. Less than 1 is better than average.

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 home insurance company.

Insurance companies frequently have several subsidiary home insurance companies. Make sure you know the correct name of the insurance subsidiary quoting or insuring you, to check the proper complaint grade.

30 Top Home Insurance Companies Ranked from Best to Worst by their 2010 Indiana Complaint Records

1. United Services Automobile Association = A+ (.19) (USAA sells only to the military, their immediate family members, and honorably discharged veterans)

2. Owners Insurance Company = A (.34)

3. Cincinnati Insurance Company = A (.40)

4. Citizens Insurance Company of the Midwest (The Hanover) = B (.56)

5. Liberty Mutual Fire Insurance Company = B (.63)

6. United Farm Family Mutual Insurance Company = B (.68)

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7. Indiana Insurance Company = B (.68)

8. Meridian Security Insurance Company = B (.73)

9. ACA Insurance Company (AAA) = B (.76)

10. State Farm Fire & Casualty Company = B (.78)

11. Hastings Mutual Insurance Company = B (.83)

12. Allstate Insurance Company = C+ (.90)

13. Property-Owners Insurance Company = C+ (.91)

14. Erie Insurance Exchange = C (1.03)

15. Motorists Mutual Insurance Company = C (1.05)

16. Allstate Property & Casualty Insurance Company = C- (1.07)

17. Illinois Farmers Insurance Company (Farmers) = D+ (1.17)

18. Farmers Automobile Insurance Association = D (1.29)

19.American Family Mutual Insurance Company = D (1.39)

20. Metropolitan Property & Casualty Insurance Company = D (1.42)

21. Property & Casualty Insurance Company of Hartford (The Hartford) = D (1.44)

22. TRAVCO Insurance Company (Travelers) = D (1.48)

23. Auto-Owners Insurance Company = D (1.51)

24. Standard Fire Insurance Company (Travelers) = D (1.55)

25. Indiana Farmers Mutual Insurance Company (NOT part of Farmers Insurance) = D (1.80)

26. Nationwide Mutual Fire Insurance Company = F (2.03)

27. MemberSelect Insurance Company (AAA) = F (2.11)

28. Shelter Mutual Insurance Company = F (2.15)

29. Farmers Insurance Exchange = F (2.93)

30. Homesite Insurance Company of the Midwest = F (3.01)

Now you know the complaint ratings for 30 of the leading home insurance companies in Indiana, it’s time to shop your home & auto insurance.

Per the Indiana Department of Insurance (DOI) Website, 77 home insurance companies (most likely smaller companies) had no complaints in 2010, but are not identified. If your home insurance company is not on the above list, check the Indiana DOI Website for its complaint index. If your company is not listed on the Website, it may not have had any complaints in 2010.

Remember, you want to choose a good insurance company with a consistent, better than average complaint record, but you want a good price and coverage options, too. If you shop, you may find you can get better rates, better coverage, AND better service.

Do you have any questions or commentary about these Indiana homeowners insurance complaint rankings? Tell me about it. Please leave a comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.