Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:02/04/2023

  Type:Sales and Advertising Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ***** wrote a citizen's homeowner insurance policy. They never sent all the documents need for the policy now my policy has been cancelled. I sent them all needed documents had an inspection on my home. now I find out I'm cancelled. they need to fix this. I want my policy reinstated.

  Business Response

  Date: 04/26/2024

  Hello, 
  
  Per our agency records, this policy was reinstated 01/16/2023 and is still active. This complaint was resolved and nothing further is needed. 
  
  Thank you! 
  Your Nsure.com Team 

  Customer Answer

  Date: 04/30/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:01/07/2023

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I requested a quote from this company. They sent me an answer - my insurance costs $ 743! BUT! I didn't sign anything with them. How long after that they started sending me bills. I did not pay anything and did not give the data to my morgue company!A few months later I checked my ESCROW account and saw that my morgue company had sent money to Nsure! In the amount of 908 dollars!This is just outrageous! At that time I already had paid insurance from another company!I wrote to them for a long time, then they called! And noni sent a letter to cancel coverage! BUT! After this, I again wrote for a long time about the return of money! And today I received a check for $166! What is this??I think this company is a scam!I want all my money back!

  Business Response

  Date: 04/24/2023

  On 12/22/2023 the client emailed our agency requesting a refund and advising they did not approve the policy.  On 12/23/2022 a cancellation request was sent to the client to flat cancel the policy however the carrier did not cancel the policy back to inception. On 1/30/23 the carrier processed the backdated cancellation request and the remaining balance was refunded to the client.  Any concerns the client had have been resolved and no further action is needed at this time. 

  Customer Answer

  Date: 07/24/2023

   
  Complaint: 18702100
  
  I am rejecting this response because:

  I didn't sign a policy with you in the first place! You ILLEGALLY billed my morgue company! And you ILLEGALLY signed my consent on my behalf! I didn't!
  
  Sincerely,
  
  *************************

  Business Response

  Date: 08/04/2023

  Hello! 
  
  Please be advised, for this policy, a signature on the application was not needed to begin the policy. However, the policy would cancel after some time if a signed application was not received. We did not sign an application on your behalf. The required signature was still outstanding at the time that you requested to cancel the policy. We can confirm that the requested cancelation and refund has been processed and all funds paid to the policy have been returned.  
  
  Thank you! 

  Customer Answer

  Date: 08/04/2023

   
  Better Business Bureau:
  Dissatisfied with the answer! I consider them to be fraudulent. But I see no reason to continue! 
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:12/28/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  10/12/2022 i went to closing on my house I closed but on Oct 7,2022 my homeowners was cancelled did not find out till December that it was cancelled have been trying to get it back but no luck i have spoken to aleast 20 different agents they all say it has been taken care off but not as off yet they i have know idea what they are do they should be shut down immediately so noone else has to go through this

  Business Response

  Date: 04/24/2023

  The policy was cancelled for non-payment as the premium was never received.  After reviewing the calls, the client was advised the policy would need to be rewritten.  The policy was rewritten and is active at this time.  Any concerns the client had have been resolved and no further action is needed at this time.

• Initial Complaint

  Date:10/12/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased home insurance from Nsure.com for ******* per year. After purchase is complete ******** sent me a letter that my policy included multi policy discount and they will remove discount if I don't buy another policy. My final quote from Nsure.com was for home only. ***** confimed that there is no multipolicy discount. My initial quote was with multi policy discount and showed total of ******* for policy. It included ********** in personal property protection. My final policy was ******* after removing multi policy discount and decreasing personal property protection from ********** to ********** . Everything else stayed the same on both quotes.I have contacted Nsure.com multiple times and have spoken to agent/s. After reviewing the quote and final policy they said that a manager/supervisor will be contacting me to resolve this issue. It has been over a month and La Grange has send me a bill of additional ****** dollars. Below is the log of contact with Nsure.----------------2022-09-15, 2:30 pm. Setup up meeting with ********* reviewed. She said she will contact account Supervisor who will contact me tomorrow.----------------2022-10-07, 3:30pm. called customer service and talked to **** *** transferred me to *******. ******* said case is escaladted and someone will be calling me on Oct 7th or Oct 8th.----------------2022-10-11, 5:11pm, called and asked for an agent. Was put on hold and call disconnected after 30 mins.

  Business Response

  Date: 04/26/2024

  Hello! 
  
  Per our phone records, this client spoke with our agent ***** on 06/22/2022 in which all of the clients concerns and questions regarding the quotes we provided were discussed. At the end of this call the client agreed to the policy we provided them. At no point was the removal of the multi policy discount discussed. Furthermore, we provided the quote documents to the client via email in which they showed the premium was $1,202 with the multi policy discount included. The requested billing adjustment cannot be made. 
  
  Thank you,  
  Your Nsure.com Team  

  Customer Answer

  Date: 04/29/2024

   
  Complaint: 18204694
  
  I am rejecting this response because:

  Attached initial quote with multi policy discount, it shows total of ******* for policy and it includes 487,803  personal property protection. 
  My final policy was ******* after removing multi policy discount and decreasing personal property protection to *******. Please sort it out with Grange.
  
  Customer service admitted that quote was without multi policy. But in the end they were not able to resolve. Below are details of communication

  2022-09-15, 2:30 pm meeting with Maro
  Maro reviewed. She will contact account Supervisor who will contact me tomorrow.
  
  ---------
  2022-10-07, 3:30pm. called and talked to **** Transferred to *******. He said case is escaladted and someone will be calling me on 7th or 8th.
  
  ---------
  2022-10-25, 3:29pm called and asked for an agent. Talked to Manager named *****. She will email her superior to resolve.

  
  Sincerely,
  
  *********************

  Business Response

  Date: 05/07/2024

  Hello, 
  
  As stated in the previous response, there is no record of the removal of the multi policy discount being discussed with Agent ***** at the time of binding the policy. The original quote we provided had a premium total of $1,136.00. The personal property on this quote was in fact $487,803 and the multi policy discount was applied. This quote also showed that the roof coverage type was listed at Actual Cash Value. On 06/22/2022, the client spoke with agent *****, who assisted the client in changing around the coverages before binding. During this call, the client and the agent worked together to lower the personal property to $325,202 which would reduce the premium by $60 for the entire year. However, the client was unsure if they wanted to stay with the lower amount or not so the agent returned the personal property to the original value of $487,803 and they moved on to see if anything else could be changed. At this point, the client requested that the roof coverage be changed to replacement cost instead of actual cash value. When this was changed the premium became $1,270 for the year. After hearing what the premium would cost, the client then says, "I am trying to decide on the personal property because that would save 60 bucks and that would come back close to $1200 which is my goal". The agent then lowers the personal property value again to 50% which was $325,202 and tells the client that doing so would make the premium for the entire year $1,202. The client then replies "okay. Yup, sounds good". The client and agent then discuss the billing options and the client provides the agent with the payment information so the policy could then be bound. As stated in the previous response, at no point did the client request the removal of the multi policy discount.  
  
  Attached is the quote that was adjusted and then bound after the client's approval. At this time, the requested billing adjustment cannot be made. 
  
  Thank you, 
  Your Nsure.com Team