What are my rights if my home insurance had the wrong address for the past 4 months?

I only recieved my home insurance papers yesterday in the mail. I have been paying insurance on a home with the wrong address, different street, same number. The real estate agency that I purchased my home through are an agent. It was the agent who made the mistake with the address. If something had happened in these 4 months would my house have been covered? Should the insurance company reimburse these 4 months?

Asked on March 3, 2016 under Insurance Law, Arizona


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 4 years ago | Contributor

If, as you say, it was the insurer who made the error, they would have been obligated to cover you for any losses at the correct address during that time. Because they would have had to cover you--i.e, because you were effectively covered--you would not be entitled to premium reimbursement.

IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.