ObieReviews of obieinsurance.com

Scam insurance company, they will lure you in either cheap rates. But when it comes to filing a claim they will denie your claim. They hire a bias engineer company that will lie to deny your claim. Stay away from this company at all cost. Pay a bit more and go with reputable insurance company.

Title: Unacceptable 3+ month delay and endless bureaucracy on a straightforward claim Review: I have had an absolutely exhausting and frustrating experience dealing with Obie Insurance and their claims management company, IPG Claims. It has been over three months since a water backup incident occurred at my property, and I am still fighting to get my payouts finalized. The communication and processing times are entirely unacceptable. After waiting months, I was told a reissued check would take 3–5 business days to process following a simple policy correction. It has now been well past that window with zero updates. To make matters worse, trying to get answers on a second claim regarding structural and rental loss damages feels like hitting a brick wall. Dealing with the endless runaround between the broker/insurer (Obie) and the claims processor (IPG Claims) has been a nightmare. If you are a property owner looking for reliable coverage and a claims team that acts with urgency during an emergency, look elsewhere.

They are scam artists, read your actual policy details, especially ask for their Replacement Cost Estimate. Their service is based on separating you from your money as quickly as possible with a policy that looks good at first glance. And an online checkout that's modern and fast. Once you dig into your policy you'll realize it is completely skewed against you and you will have a huge financial loss if you ever need to make a claim. They wrote me a policy for 493k but their RCE was 1.65 million!!! So they would only cover less than 30% of the actual policy I paid for. PLUS they charge a 25% cancellation fee for any policy, even if you paid in full upfront. Absolutely shameful customer service, I will never trust them again. And I learned a hard, expensive lesson about reading the fine print.

I requested a quote online and it took them 4 days to get back to me and tell me they don't insure homes with metal roofs. Very slow response

The worst insurance carrier I have ever worked with! They subcontract everything out including the claims adjuster which delays your claim, it has been 2 months and still no answer! Terrible communication and terrible customer service. Be careful with this carrier, better yet, get another one!

All the reviews are on the front end, getting a policy and quote. This review is about how Obie’s crafty policy writing back fires in your face when you have a fire and need to make a claim if the property is tenanted. I have a second home in Palm desert. I rent it part time when I’m not there. The policy Glen Robert’s provided has a clause that says that coverage (tenants liability) for furnishings inside the unit are only available if the tenant causes the fire. What about the rest of the time? Tenant was using the dryer and a fire broke out on May 3,2025. He calls the fire dept who does more damage than the fire and they deem the cause as mechanical malfunction. Contacted Glen multiple times for assistance, his only reply is he does not have access to policy once it’s sold. So now Obie’s underwriter (they have multiple and it’s a three ring circus) won’t cover the cost of pack out or cleaning or replacement of my brand new furnishings because they say the tenant didn’t cause the fire. Obie is unethical and not transparent. I was up front and told Glen that my condo is furnished with my furnishings and that it is rented part of the year and now I’m left holding the bag on all the costs related to pack out and cleaning or replacement of my furniture. Unbelievable. It’s September and my place is still sitting ripped apart and still fighting with the desk adjusters to get things moving. Only after I wrote a negative better business bureau review did I get some movement. I won’t be renewing my policy in December as it’s been the worst experience of my life dealing with Obie, Arcana, Alacrity, and Trisura. Run in the opposite direction!!!

I switched to Obie a few years back and I was very happy- good service, easy platform, competitive price. That's over now. I recently did a BRRR and it was a nightmare. First the guy quotes me a $9k premium on a $500k house with with $50k cosmetic renovation. I said no way. He comes back with a $5k Policy. Fine. Then when rented I needed a new policy- no problem he says we can just endorse your builders risk over- AGAIN, I had to be like- ah- NO, different carriers have different appetites, please shop it. Finds another carrier, price a little high at about $3,600 but OK. THEN, my lender happened to have a different Obie contact, she slips in an unknown $5k premium Policy I almost got saddled with until I noticed it and said no...then proceeds to tell me I need a "commercial package" and it is more expensive than a "landlord" package- I ask for clarification as it is a 3-fam not 5+ - she could not provide an answer and instead just corrected it back to the $3,600...actually they lowered my coverage to the loan amount (lower than I asked for) and it was like $3,100- after all this nonsense I just went to a local agent and got better coverage at a better price. ALSO, I have another 5-Unit Policy with them which somehow disappeared from my account on the Obie web page...no problem things happen, they have a box specifically for this on their website so I guess it is a frequent error with which they like to confuse their customers. Literally says on the Portal "Don't see your policy? Let us grab it for you! Click the chat icon..." Chat was unable to help...2 weeks later I get an email form Obie with a bologna excuse as to why they can't populate my policy in my account on my Obie dashboard of policies. As I said, run, they have fallen apart. Investors need to be able to access carriers direct via tech and realize savings bc we often know more than the agents, and the agents have a conflict of interest in as much as they want to sell you the highest premium to earn the highest commission. I feel like Obie WAS trying to do Insurance via tech, but somehow it got messed up by agents...Someone else needs to step up, or step-in to this space...Good Luck my fellow RE Investors!

Obie provided a fast quote and processed documents for my multifamily investment within a week. However, when my lender requested additional details or simple confirmations, the Obie agent repeatedly failed to deliver, promising documents for MONTHS without follow-through. They stopped answering calls, and their email responses were vague, incoherent, and didn’t address straightforward questions, causing significant delays.