Home Insurance Fraud The Zebra

Leo Migdal

-Dec 3, 2025, 8:51 AM

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... We're sorry you're having this experience! We double-checked and your email is not in our system, nor do we have any history of emailing you. Our emails come from an @***************************** email address. Our team is currently looking into a number of unofficial emails that are spoofing our website and impacting customers.

We would like to further investigate this issue. If you feel comfortable doing so, would you please download and send acopy of the email that caused issues? Here's how:1. Download the email to your computer, which will result in a .eml file.2. Send the .eml file to ****************************************************************** Thank you for the screenshot.

Are you able to provide a .eml file? This email is not from The Zebra-we recommend that you report and block the address with your email provider. Hi *****, were sorry this is happening to you. We've confirmed that you are unsubscribed from emails from us, nor will we contact you by phone unless you initiate a phone exchange with us. Dan Marticio is an insurance specialist for SmartFinancial. His past experience writing in small business and personal f...

Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about i... Our panel of insurance experts has reviewed the content to ensure that our reporting and statistics are accurate, easy to understand and unbiased. SmartFinancial Offers Unbiased, Fact-based Information. Our fact-checked articles are intended to educate insurance shoppers so they can make the right buying decisions. Learn More

Homeowners insurance fraud involves filing a false insurance claim to profit from the subsequent claim payout. These fraudulent claims may include the policyholder staging a burglary on their own home, inflating the value of losses in a legitimate accident or increasing a contractor’s invoice to “cover” the homeowner’s deductible. Homeowners insurance fraud is a serious issue that hurts both insurance companies and homeowners. It can take many forms, including fake insurance companies, ghost brokers, and roof scams. Fake insurance companies offer policies at significantly lower rates than reputable providers, and homeowners who fall for this scam end up paying premiums to non-existent companies, resulting in financial losses. Ghost brokers sell policies that provide little to no coverage and may also steal your insurance information to apply for genuine policies, only to cancel them and pocket your money.

Roof scams are common after natural disasters, with fraudulent contractors convincing homeowners that their roofs are damaged, offering quick repairs, and then disappearing with the homeowner's money. To protect yourself from these scams, it's important to be cautious and informed. Always verify the legitimacy of insurance companies and contractors, be wary of unsolicited offers, carefully review documents before signing, and report any suspected fraud to the authorities. When it comes to spotting fake homeowners insurance, it is crucial to scrutinize the insured box for any discrepancies. This box is a vital section of the insurance certificate, and any inconsistencies could indicate fraud. Here are some detailed instructions to help you navigate this process effectively:

Firstly, the insured box should contain the name and address of the insured entity. In the case of business insurance, the business name and address should be stated, not an individual's details. This is an important distinction to make, as an inexperienced person filling out the form may inadvertently provide their personal information instead. Therefore, always verify that the business name and address are accurately reflected in this section. Secondly, discrepancies in the insured box may also arise in terms of coverage. Carefully review the coverage details in the insured box and cross-reference them with the insurance policy.

If there are coverages listed in the box that cannot be found in the policy, this is a red flag. Additionally, look out for placeholders like "zeroes," "N/A," or "None" in the insured box when there is coverage included in the policy. Authentic insurance certificates will typically leave these boxes blank to indicate the limit. Moreover, discrepancies in the insured box may extend beyond the named insured. Review the contact information box and ensure that the signature at the bottom matches the name provided. The email domain in the contact information should also align with the name of the insurance company or producer.

Any inconsistencies in this section could indicate a fraudulent certificate. If anything seems amiss, take the additional step of verifying the information online or through a phone call to the insurance company. Regardless of whether you rent or own, property insurance is an important tool to safeguard your home and belongings. But what happens if you’re involved in a dishonest exchange with your insurance company – be it setting up a policy or reporting a claim? Or what if you experience someone else cheating the system for financial gain? There are many types of and ways to report insurance fraud that can go on to save everyone money in the long run.

Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here. Dealing honestly with the insurance company can help keep premiums low Insurance companies may raise rates in order to combat unnecessary losses Insurance fraud can be a felony offense which can result in jail time, fines, and difficulty getting insurance, loan, and employment in the future Wondering if The Zebra really delivers on its promise of fast, transparent insurance quotes? We ran a full audit—verifying its 256-bit TLS encryption, SOC 2 compliance, carrier lineup and over 9 800 user reviews—to answer once and for all: “Is Zebra a trustworthy choice for RV, auto and...

A quick note from one of our editors: re-quoting about a week before your policy renewal often uncovers fresh carrier discounts you might otherwise miss—Zebra makes that just a couple of clicks. See live RV, auto or home insurance premiums side by side—no phone calls required. Every quote form runs over HTTPS with 256-bit TLS and Perfect Forward Secrecy. Independent tests (Qualys SSL Labs) gave it an “A+” in June 2025—on par with top banks. Behind the scenes, a SOC 2 Type II audit found zero critical issues. In short: your VIN and personal data stay private.

Fraudulent home insurance claims are becoming more frequent, posing significant challenges for insurers and policyholders. These false claims often involve exaggerated damage, staged incidents, or fabricated losses. Increased fraud affects insurance companies and honest consumers, leading to higher premiums and stricter claim processes. Home insurance protects homeowners from financial losses from unforeseen events such as fires, theft, and natural disasters. However, fraud undermines this system, making it more difficult and expensive for policyholders to access the necessary coverage. The consequences of increased fraud extend beyond insurance companies.

Consumers often bear the financial burden in several ways: Understanding how fraud occurs can help homeowners stay vigilant. Common examples include: There are proactive steps homeowners can take to reduce their risk of being affected by fraud and protect their home insurance coverage: OneTivi.com — If you've been hunting for better car or home insurance rates, you've probably come across The Zebra. But the real question on your mind is likely this: Is The Zebra a legit site for insurance?

With hundreds of comparison tools flooding the market, it's tough to know which ones to trust. In this article, we'll break down exactly how The Zebra works, whether it's safe and trustworthy, and if it's worth your time. Before deciding whether The Zebra is legit, it helps to understand what it actually does. Founded in 2012 and based in Austin, Texas, The Zebra is a free online insurance comparison platform. Unlike a traditional insurer, The Zebra doesn’t sell its own policies. Instead, it partners with over 200 insurance providers to show you side-by-side rate quotes for car and home insurance.

There’s no cost to use The Zebra. It earns money through referral fees paid by insurers when users purchase a policy through their platform. This business model helps keep the service free and unbiased for shoppers. So, is The Zebra a trustworthy insurance comparison site? The facts point to yes. The company is a licensed insurance broker in all 50 states, ensuring it meets stringent state-level requirements.

Although The Zebra is not currently accredited by the Better Business Bureau (BBB), it maintains an A- rating and has been in operation for over a decade. Being licensed and regulated adds credibility to their operations and means they're held accountable to legal standards.

Home Insurance Fraud The Zebra

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