Why when you get a claim from your homeowner Ins. co. on the check it has 3 differ ant companies on the check? -

Each insurance company has lots of little sub-insurance companies. This is so they can offer different rates to different people. (which, btw, is why there's no "one size fits all" cheapest insurance company). That claim check is listing several of the sub companies on it. Insurance companies are now owned by holding companies--your insurance co. probably has a sister company that does all the financial transactions. You can google both names and you might find the holding company name, if you are interested. It's a very common practice. Many insurance companies are part of a group and it easier to put all the names on on the check/endorsement stamp so some cleck doesn't use the wrong one. payor or payee? Besides the holding co. possibility mentioned by Anna P., some of the others might be other insurance companies that are sharing the risk. When an insurance company takes on what they think is too much risk, they will "self-insure" by selling part of the risk to another company or companies. Some of the other companies mentioned might be one of these. Also, many large companies have companies within companies. For instance, Farmers Insurance will insure preferred and regular car risks, but if the person is a bad risk (too many accidents, tickets, etc.) they will put him in their sister company, Mid-Century Auto Insurance. If they were to send a claim check, both companies would be listed. It is hard to say for sure what the case is with yours unless I knew what actual companies were listed. there part of groups Mine didn't, just Travelers. If it weren't for depreciation, I'd be rich! It's possible that your insurance company is a subsidiary of another business entity, which is in turn owned by yet another.