Allied Insurance Nationwide Inaccurate billing, refusal to adjust to quoted amount, BBB of Des Moines, Attorney General, Insurance department Des Moines Iowa

We purchased a homeowner's policy through Allied Insurance, DBA Nationwide, in June of 2013. The broker we purchased the policy from was Tier One Insurance/Ahi Group; the agent was Kyle Harrison. We were originally quoted $1098.81 for an annual policy, and we can provide documentation of the quote. Allied sent a bill to First National Bank of Omaha, our mortgage lender, for $1355.65. I immediately contacted our insurance broker, and he stated this was a pricing error. Kyle Harrison assured me this was our quoted price for the year; moreover, he stated the policy would not increase to this amount at our renewal date in another year, and if we had a policy increase, the only increase would be if Nationwide had an overall increase for all of their policy holders. Kyle stated these increases are usually in the 5% range when they do go up. Although First National Bank of Omaha paid out $1355.65 to Allied, we received a refund check for $256.84. This amount was deposited in our account on 07/31/2013.

I recently received our annual renewal bill with Allied. The bill states the policy is $1355.65 plus an annual increase of $95.83, which makes the total bill for $1451.48. I immediately e-mailed our broker to make sure that Allied would adjust the billing error, since we were assured by this agency that the price would not go up. Our broker stated he would contact Allied. On 05/21/2014, I received an e-mail back from my broker. He stated he had spoken to an underwriter with Allied Insurance, and despite what we were told last year, they are refusing to adjust the bill to the appropriate quoted amount.  Over the course of the last year, we have had no claims, and nothing else has changed on the policy. While I can understand the policy increasing slightly if they are increasing everyone's policy, it is wholly inappropriate to assure a customer that the policy would not increase to the misquoted amount. I wouldn't even think that it is legal to conduct business like this. Finally, Allied conducting their business like this makes the broker look terrible, warrants multiple complaints to the BBB, the Attorney General, and the Insurance Commissioner; it also increases the chances of the customer finding another broker and an insurance company because of the slipshod way that Allied conducts itself.

If you have had similiar problems with Allied Insurance, I would suggest filing reports with the following agencies: BBB of Des Moines; your state Attorney General or in Iowa; and your state insurance commissioner.