I was reading an article about insurance companies that didn't pay claims after the 2005 Katrina disaster in New Orleans.  Which made me wonder about my own insurance company I use for homeowners insurance and who I recommend to others.  Since my rates are what I consider low; I wanted to make sure I wasn't compromising service for low premiums.  So I went to this site http://www.naic.org/cis/ One of the best ways to get an insurer's reputation is to check its complaint ratio - its percentage of total customer complaints divided by its market share, as measured by total premiums. The lower the ratio, the better a company's performance.  Check it out.