Companies ยท NAIC 20079
National Fire & Marine Insurance Company: complaint record
National Fire & Marine Insurance Company (NAIC company code 20079) appears in public complaint data from the insurance regulators in Texas and Michigan. In Texas auto insurance in 2025, it had 1 confirmed complaint and 488 policies in force, a complaint index of 12.44 (more confirmed complaints than the market average for its size) from a small base, so read it with care. In Texas homeowners insurance in 2025, it had 0 confirmed complaints and 4,100 policies in force, a complaint index of 0.00 (no confirmed complaints). In Michigan homeowners insurance in 2023, it had 1 complaint on $5,842,631 of premiums written, 0.17 complaints per $1 million.
Texas auto insurance
| Year | Complaint index | Confirmed complaints | Policies in force |
|---|---|---|---|
| 2025 | 12.44 | 1 | 488 |
| 2024 | 0.00 | 0 | 550 |
Compare with other auto insurers in Texas
Texas homeowners insurance
| Year | Complaint index | Confirmed complaints | Policies in force |
|---|---|---|---|
| 2025 | 0.00 | 0 | 4,100 |
| 2024 | 0.00 | 0 | 3,729 |
Compare with other homeowners insurers in Texas
Michigan homeowners insurance
| Year | Filed as | Complaints per $1m | Complaints | Premiums written |
|---|---|---|---|---|
| 2023 | National Fire and Marine Insurance Company | 0.17 | 1 | $5,842,631 |
See the full Michigan homeowners list for 2023
How to read the Texas complaint index
The Texas Department of Insurance divides a company's share of confirmed complaints for a line of insurance by its share of policies in force for that line. The average is 1.00. Below 1 means fewer confirmed complaints than average for the company's size, above 1 means more. For small companies one or two complaints can move the index a lot, so ranking tables here include only companies with at least 10,000 policies.
How to read the Michigan complaint ratio
The Department of Insurance and Financial Services divides each company's complaints by its Michigan direct premiums written, in millions of dollars. It publishes ratios only for companies with at least $1 million of premiums, and warns that ratios based on small premium volumes "are highly variable".
Figures are for this legal company only. An insurance group may sell through several companies, each with its own record.
Sources
- Texas Department of Insurance, Complaint indexes and policy counts for insurance companies (dataset pa9u-9s9w), data.texas.gov
- Michigan Department of Insurance and Financial Services, Complaint Ratios (automobile and home, 2023 to 2025)
Checked 29 October 2026. Complaint records show only complaints filed with the regulator. They are one signal among many and do not rate claims handling, price or financial strength.