Consumer

Discover tools and resources to help you understand different types of insurance, claims processes, and practical tips to help support you through every stage of your life.

How Does Insurance Work?

It can cost a lot of money to recover from disasters and medical emergencies. Insurance helps you avoid paying the entire cost of treatment, services, repairs, and rebuilds on your own.

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Your Insurance Department Is Here for You

Every U.S. state, the District of Columbia, and the five U.S. territories have a Department of Insurance (DOI) dedicated to helping consumers.

Get Insurance Help

Types of Insurance

Browse different insurance types to understand your options and potential risks

Homeowners

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Life & Annuities

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Auto

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Health

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Flood

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Military

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Small Business

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Long-Term Care

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Sharing Economy

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Cybersecurity

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File a Complaint

Having a problem with an insurance company or agent? Find your state insurance department and file a complaint.

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Insurance Tools and Resources

Life Insurance Policy Locator

This free tool helps beneficiaries search for unclaimed life insurance policies.

Find Policy

How to File a Complaint

Do you have a complaint against your insurer? You can file a complaint against the company with your state department of insurance (DOI).

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Glossary

This page provides a glossary of terms and definitions that are commonly used in the insurance industry.

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Consumer Insurance Search

Find information about insurance company complaints, licenses, and financial health.

Search Companies

Consumer Participation Program

Helping state regulators protect insurance consumers.

Get Involved

Learning Resources

Get a better understanding of insurance with these entertaining and useful apps, games, and quizzes

Play and Learn

Online Fraud Reporting System

Do you have information regarding possible fraudulent activities? Report it to your state insurance department with this tool.

Report Fraud

Global Receivership Information Database

Tracks receivership information provided by the department of insurance from all states and territories of the United States.

View Database

Help for Navigating Natural Disasters

From floods to wildfires to windstorms, natural disasters can happen at any time across the United States. We have resources to help both state insurance regulators and consumers navigate catastrophic events.

Prepare Now