Companies ยท NAIC 42986
Standard Guaranty Insurance Company: complaint record
Standard Guaranty Insurance Company (NAIC company code 42986) appears in public complaint data from the insurance regulators in Texas, Indiana, Michigan and Oregon. In Texas homeowners insurance in 2025, it had 0 confirmed complaints and 2 policies in force, a complaint index of 0.00 (no confirmed complaints). In Indiana homeowners insurance in 2025, it had 1 complaint on less than $1 million of premiums, too little for Indiana to calculate an index. In Michigan homeowners insurance in 2025, it had 4 complaints on $28,068,915 of premiums written, 0.14 complaints per $1 million.
Texas homeowners insurance
| Year | Complaint index | Confirmed complaints | Policies in force |
|---|---|---|---|
| 2025 | 0.00 | 0 | 2 |
| 2024 | 0.00 | 0 | 2 |
Compare with other homeowners insurers in Texas
Indiana homeowners insurance
| Year | Complaint index | Complaints | Indiana premiums |
|---|---|---|---|
| 2025 | Not calculated | 1 | $15,622 |
| 2024 | Not calculated | 3 | $10,526 |
| 2023 | Not listed (Indiana lists only companies with at least one complaint) | ||
| 2022 | Not calculated | 1 | $71,631 |
See the full Indiana homeowners list for 2025
Michigan homeowners insurance
| Year | Filed as | Complaints per $1m | Complaints | Premiums written |
|---|---|---|---|---|
| 2025 | Standard Guaranty Insurance Company | 0.14 | 4 | $28,068,915 |
| 2024 | Standard Guaranty Insurance Company | 0.07 | 2 | $27,642,828 |
| 2023 | Standard Guaranty Insurance Company | 0.09 | 2 | $22,104,358 |
See the full Michigan homeowners list for 2025
Other state regulators
Matched by the NAIC code Kansas prints, or by legal name after standard abbreviations are expanded, only when exactly one company matches. Each state measures complaints differently, so compare companies within a state, not across states. With one or two complaints an index or ratio can swing a lot.
| State | Line | Year | Filed as | Measure | Complaints | |
|---|---|---|---|---|---|---|
| Oregon | Homeowners | 2023 | Standard Guaranty Insurance Company | Complaint index 0.00 | 0 confirmed of 1 | Full list |
| Oregon | Homeowners | 2022 | Standard Guaranty Insurance Company | Complaint index 0.00 | 0 confirmed of 0 | Full list |
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 Indiana complaint index
The Indiana Department of Insurance divides a company's share of complaints by its share of Indiana premiums for the line. 1.00 is average, below 1 means fewer complaints than its size would suggest. Indiana lists only companies with at least one complaint and does not calculate an index (marked DNC) for companies with under $1 million of premiums.
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".
How to read the Oregon complaint index
The Oregon Division of Financial Regulation lists every company with Oregon premium in a line, including companies with no complaints, with total and confirmed complaints opened in the year. Oregon's files do not define the complaint index. Recomputing it closely matches (within 3%) a company's share of confirmed complaints divided by its share of premium in the table, so 1.00 is average and 0 means no confirmed complaints. A few companies report negative premium, which can produce a negative or extreme index. We show these as published. For small companies one or two complaints move the index a lot.
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
- Indiana Department of Insurance, Company Complaint Index (auto and homeowners, 2022 to 2025)
- Michigan Department of Insurance and Financial Services, Complaint Ratios (automobile and home, 2023 to 2025)
- Oregon Division of Financial Regulation, complaint data for all insurers (annual PDF reports, 2022 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.