My husband and I were robbed at the end of March (2010). The violation from the robbery was difficult, however, we were un-aware that we were being robbed for 10 years by Balboa Insurance Group. After 10 years of being a customer and never being sent renewed policies we had some surprises in regards to caps and procedures. However, the most egregious part of our claim showed up when the money did not. We were told that a check would go out 'this' week it never showed up. We called Balboa (again) to see what might be holding up the payment now.
Our account rep told us that the check had been put on hold for further investigation and was not able to supply any reason as to why. We called around a bit more within the company and a customer service rep told us that our claim was put back into investigation because my husband and I are not considered to be spouses in the state of Georgia... so they were going back through and removing anything that I paid for. Not only has Balboa taken our money for 10 years but now they throw in the offense of using Georgia's homophobic laws to not pay us. This was our first claim in 10 years... and it was for roughly $6,000 dollars.
I will also note that in our policy it says that the spouse of the policy holder is covered. Nowhere in that policy does it directly dicate how a person is considered a spouse.
If you have Balboa as your renters insurance company it would behoove you to move your policy elsewhere. Gay or straight your best interests are not in mind, and if you are a gay couple thinking that you will be protected should something happen it is best you move on to another company.