Well, in December my home owners policy is up for renewal. I got the paper work in the mail. I am insuring a three bedroom ranch in the south shore of Long Island, built in 1972. It is close to the water but luckily 31 feet above the ocean (Google Earth gives you this info if you are ever curious) so I am not in flood danger according to the flood maps. Anyway, I have a small insurance company called Interboro Insurance, based in Long Island. They are rated A by Demotech - never heard of them before looking it up. They are charging me close to $1000 for the policy. I am not worried about the premium, but I wonder if I should change to a larger company with more funds, like Travelers or All-State. I worry that in a big catastrophe a small insurance company might go belly up, while the larger ones might be able to pay. Of course, I could be the other way around - bigger company more liability. I also read the AM Best is the standard for rating insurance companies, so it worries me that my insurance company is rated by Demotech, which I had never heard of before. Any thoughts? Thanks, are always.