The Definitive Guide to Locating Your Insurance Coverage: A Step-by-Step Manual for Every Scenario

Introduction

Discovering what insurance coverage is in place can be a formidable task.

Whether for personal financial planning, managing an unexpected health crisis, dealing with the aftermath of an automobile accident, or settling a loved one’s estate, the path to finding policy information is often obscured by complex systems and scattered records.

The feeling of being lost, without a clear starting point, is a common and valid challenge.

This guide is designed to serve as a definitive, step-by-step manual to transform that confusing search into a structured, manageable process, providing clarity and control.

This report will serve as a comprehensive roadmap, beginning with universal search strategies that apply to nearly every situation.

From there, it will provide in-depth, specialized guidance for uncovering each of the major types of personal insurance: health, life, automobile, homeowners, and employer-specific coverage like workers’ compensation.

Each section is built on the understanding that the method for finding a policy is intrinsically linked to the nature of the insurance itself—how it is purchased, who regulates it, and who has a financial stake in it.

Finally, this guide will conclude by pivoting from a reactive search to a proactive strategy, empowering individuals to organize their insurance information to ensure this difficult process never has to be repeated by themselves or their families.

Section 1: The Universal Starting Point: Your Personal Records Investigation

Before engaging with external agencies or complex databases, the most effective and efficient starting point for any insurance search is a thorough investigation of personal records.

This foundational process applies to locating nearly any type of policy, whether it belongs to oneself or a deceased relative.

The modern “paper trail” is a combination of physical documents and digital footprints, and a successful search requires a meticulous examination of both.

The Digital and Physical Paper Trail

A systematic search of all potential storage locations for important documents is the first order of business.

This includes a physical search of home offices, filing cabinets, and, critically, bank safe deposit boxes.¹

Accessing a safe deposit box may require being the executor of an estate or obtaining a court order if the search is on behalf of a deceased individual.²

Simultaneously, a digital search is equally crucial.

This involves methodically going through computer hard drives, external storage devices, and cloud-based storage services.

A search of email archives can be particularly fruitful.

Using keywords such as “insurance,” “policy,” “renewal,” “premium,” “coverage,” or the names of common insurance companies can often uncover welcome letters, policy documents, or billing notices that were sent electronically.³

Some policies last for decades, so the search may need to encompass documents dating back many years.²

Following the Money: Financial Forensics

Financial records provide an objective and often definitive trail leading directly to an insurer.

A careful review of recent bank and credit card statements is one of the most reliable methods for identifying an unknown insurer.

Most insurance premiums are paid via monthly or annual automatic drafts or check payments.

These transactions will list the name of the insurance company receiving the payment, providing a direct lead.¹

Income tax returns from the past two years can also hold valuable clues, particularly for life insurance.

Permanent life insurance policies can accumulate cash value, which may earn interest.

If the policyholder received interest income from an insurance company, it would be reported on their tax return.

Conversely, if they took a loan against the policy’s cash value, interest expenses paid to the insurer might be recorded.¹

The Inner Circle of Advisors

Individuals rarely manage their financial lives in a vacuum.

A core circle of professional advisors often holds duplicate records or has direct knowledge of existing insurance policies.

Contacting these individuals should be a key part of the initial investigation.

This circle includes:

• The family lawyer or attorney
• The accountant or tax preparer
• The financial planner or advisor ¹

Furthermore, it is wise to contact any known insurance agents, even if they were retained for a different type of coverage.

An agent who sold an auto insurance policy may have notes in their file about a client’s home or life insurance needs, or they may have even sold them those policies as well.³

This initial phase of investigation is a form of financial and life archaeology.

It uncovers not just policies, but a map of an individual’s financial relationships and priorities.

The following checklist can help structure this foundational search.

Table 1: The Universal Insurance Discovery Checklist

Action Item	Location/Method	Notes/Findings
Search Physical Documents	Home office, filing cabinets, desk drawers, designated storage bins.
Check Safe Deposit Box	Contact the bank; may require executor status or court order.
Review Bank Statements	Scan the last 24 months of statements for recurring payments to insurers.
Review Credit Card Statements	Scan the last 24 months of statements for premium payments.
Search Email Archives	Use keywords: “policy,” “premium,” “renewal,” “coverage,” insurer names.
Search Digital Files	Check computer hard drives, external drives, and cloud storage (e.g., Dropbox, Google Drive).
Review Income Tax Returns	Examine the last two years for interest income from or expenses paid to insurers.
Contact Attorney	Inquire about estate planning documents or any known policies.
Contact Accountant/Financial Advisor	Ask for records of policies discussed or used in financial planning.
Contact Known Insurance Agents	Contact auto, home, or other agents to ask if they have records of other policies.
Contact Past Employers	Inquire with the HR department about any group life or disability policies.

Section 2: Uncovering Your Health Coverage

The method for finding health insurance information is a direct reflection of how an individual is situated within the U.S. economy and social structure.

Unlike a centralized system, American health coverage is fragmented into distinct silos.

An individual’s age, income level, and employment status are the keys that determine which silo—Employer, Marketplace, or Government—must be searched.

There is no single database that contains information for all of these pathways.

Employer-Provided Coverage: The Most Common Path

For the majority of non-elderly Americans, health insurance is tied to employment.

The first and most direct point of contact for locating policy details is the employer’s Human Resources (HR) or benefits department.

They are equipped to provide all necessary documents, including the summary of benefits, the policy number, and the contact information for the insurance carrier.⁶

A critical distinction within employer-provided plans is the concept of “self-insurance.” Many large employers are “self-insured,” meaning they pay for employees’ healthcare costs directly from their own funds, rather than paying premiums to an external insurance company to bear the risk.⁶

These self-insured plans often hire an external company, known as a Third-Party Administrator (TPA), to handle claims processing and administrative tasks.

While many self-insured employers voluntarily provide a comprehensive set of benefits, it is important to note that they are not always required to cover all the same “essential health benefits” as plans sold on the Health Insurance Marketplace.⁶

Some states, like Washington, provide online tools to help identify if an employer is self-insured and to find the contact information for their TPA, which is essential for any claims inquiries.⁷

The Health Insurance Marketplace (ACA / “Obamacare”)

For individuals who are self-employed, unemployed, or work for a company that does not offer health coverage, the Health Insurance Marketplace, established by the Affordable Care Act (ACA), is the primary resource.

HealthCare.gov is the official federal portal for finding and managing these plans.⁸

Individuals who believe they have a Marketplace plan can log into their HealthCare.gov account to view all their policy details, make premium payments, and check their coverage status.¹⁰

The website also offers a “plan preview” tool where anyone can enter their ZIP code, estimated household income, and family size to see the plans and estimated prices available to them, including any potential subsidies.¹²

This can be a useful way to confirm if a plan one remembers having was indeed a Marketplace plan.

It is important to recognize that while HealthCare.gov serves as the federal hub, a number of states operate their own state-based Marketplace websites.

When a user enters their state on HealthCare.gov, the site will automatically redirect them to the correct state-specific portal if one exists.¹³

Government-Administered Coverage: Medicare and Medicaid

For specific populations, health coverage is administered directly by federal and state governments.

Medicare: This federal program primarily provides health insurance for people aged 65 or older, as well as certain younger individuals with disabilities.

A person seeking to confirm their Medicare coverage can visit the official Medicare.gov website or call the Medicare Help Line at 1-800-MEDICARE (1-800-633-4227) for assistance.⁹

Medicaid and CHIP: Medicaid provides coverage to millions of low-income adults, children, pregnant women, and people with disabilities.

The Children’s Health Insurance Program (CHIP) provides low-cost coverage to children in families who earn too much to qualify for Medicaid but cannot afford private insurance.

These programs are funded jointly by the federal and state governments but are administered at the state level.

Therefore, while Medicaid.gov is a useful federal resource, an individual must contact their state Medicaid office to check their enrollment status, get policy details, or process a renewal.¹⁴

Section 3: The Search for Life Insurance: A Comprehensive Guide for Beneficiaries

The search for a life insurance policy following the death of a loved one is a common, emotionally charged, and often urgent task.

Millions of dollars in life insurance benefits go unclaimed every year, simply because beneficiaries are unaware a policy exists or cannot locate the necessary documents.¹⁵

A vast, reactive system involving national organizations and state governments has been created specifically to address this systemic issue, which stems from a fundamental disconnect between insurers holding assets and beneficiaries who are unaware of their entitlement.

Navigating this system requires a structured approach.

Step 1: Assembling Your Toolkit

A successful search cannot begin without the right information.

Before using any official locator tools, the requester—typically the executor of the estate or a potential beneficiary—must gather a specific set of documents and data points.

The most critical of these is a certified copy of the death certificate, as it is a non-negotiable requirement for nearly every official search and for filing a claim.⁵

The essential information toolkit includes:

• The deceased’s full legal first and last name, as well as any former names (e.g., a maiden name).⁵
• The deceased’s Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).¹⁵
• The deceased’s date of birth and date of death.¹⁵
• Proof of the requester’s own identity (e.g., driver’s license) and legal authority to receive the information (e.g., executor documents).⁵

Step 2: The Primary National Search – The NAIC Life Insurance Policy Locator

The single most important resource in this search is the Life Insurance Policy Locator Service provided by the National Association of Insurance Commissioners (NAIC).

This is a free, secure, and confidential online tool designed to help consumers find a deceased person’s lost life insurance policies and annuity contracts.⁴

To use the service, an individual must navigate to the NAIC website and submit a request.¹⁵

The process involves entering the requester’s contact information and relationship to the deceased, followed by the deceased’s key information gathered in Step 1 (name, SSN, dates of birth and death).¹⁵

It is vital to understand how the process works and to manage expectations.

The NAIC does not have policy information itself.

Instead, it acts as a secure clearinghouse, forwarding the request to all participating insurance companies across the country.

The companies then search their records.

The communication protocol is specific:

• If a policy is found and the person who submitted the request is the designated beneficiary or is otherwise legally authorized to receive information, the insurance company will contact that person directly, typically within 90 business days.⁴
• If no policy is found, or if a policy is found but the requester is not the beneficiary, the requester will not be contacted.¹⁵ A lack of response means the search was unsuccessful through this channel.

The effectiveness of this tool is remarkable.

Since its launch in November 2016, the NAIC Policy Locator has been instrumental in connecting consumers with unclaimed benefits.

As of mid-2023, the service had processed over 606,000 requests, leading to over 312,000 policy matches and facilitating the payment of more than $6 billion in claims to beneficiaries.¹⁸

State-level data further illustrates this success; in Delaware, for example, the tool has demonstrated a match rate of nearly 35%, resulting in over $3.5 million being claimed by local beneficiaries.²⁰

Step 3: Understanding and Using the MIB Database

A frequent point of confusion in the search for life insurance is the role of the MIB Group, Inc. (formerly the Medical Information Bureau).

The MIB is a consumer reporting agency, not a policy database.

Its primary function is to operate a secure information exchange for its member insurance companies to protect against fraud and misrepresentation on insurance applications.²¹

The MIB maintains a database of applications for individual life, health, critical illness, and disability insurance submitted over the last three to five years.²²

The information is coded and pertains to medical conditions and other factors relevant to underwriting.²²

Its utility in a search is as a source of clues: a report from the MIB can reveal if the deceased

applied for a policy with a specific insurance company.

This does not confirm that a policy was issued or is still in force, but it provides a valuable lead to investigate directly with that insurer.²

An executor of an estate can request a copy of the deceased’s MIB file.

An individual can also request their own file for free once every 12 months, which is a prudent step for personal financial planning.²³

While some sources reference a fee-based policy locator service from MIB, the free NAIC tool should be the primary resource for beneficiaries.²⁶

Step 4: State-Level and Unclaimed Property Searches

When an insurance company is aware that a policyholder has died but cannot locate any beneficiaries after a legally specified period (often three or more years), it must turn the policy proceeds over to the state’s unclaimed property office.¹

These funds then wait to be claimed by the rightful owner.

This makes searching state unclaimed property databases a critical step, especially if a significant amount of time has passed since the death.

The National Association of Unclaimed Property Administrators (NAUPA) hosts a website that provides links to every state’s official search tool.

Additionally, the website MissingMoney.com is a free, multi-state search engine that combines records from most, but not all, state programs.¹

Individuals can also contact the deceased’s state Department of Insurance.

While these departments do not maintain records of individual policies, they are an invaluable resource for consumer assistance.

They can help track down an insurance company that has changed its name, merged with another company, or gone out of business, and can provide lists of all companies licensed to operate in that state.¹⁷

Step 5: Navigating Advanced Challenges

The search can be complicated by changes in the corporate landscape.

The following are common roadblocks and their solutions:

• Company Changed Names or Merged: If the policy documents name an insurer that no longer seems to exist, the state Department of Insurance is the best resource. They maintain records of mergers, acquisitions, and name changes and can direct a consumer to the correct successor company that now services the policy.¹
• Company Went Bankrupt: In the event an insurance company becomes insolvent, policyholders are protected by state Life and Health Guaranty Associations. These associations provide a safety net, ensuring that claims are still paid up to limits defined by state law. The National Organization of Life & Health Insurance Guaranty Associations (NOLHGA) provides a search tool on its website to help consumers find their state’s specific guaranty association.¹

Section 4: Locating Automobile Insurance Information

The search for automobile insurance information is uniquely intertwined with state-level government regulation and law enforcement.

Because driving is a regulated privilege and financial responsibility is mandated by law, states have created systems that make auto insurance information more accessible than more private forms of coverage, especially in adversarial situations like an accident.

The search process is divided into two distinct scenarios: finding one’s own policy and finding another driver’s.

Finding Your Own Auto Insurance

For personal policy retrieval, the methods are generally straightforward.

The most immediate source of information is the insurance ID card, which is typically required to be kept in the vehicle’s glove compartment.

This card contains the insurer’s name, the policy number, and contact information for reporting claims.

If the ID card is missing, the next steps mirror the universal search methods detailed in Section 1.

This includes reviewing personal files for the policy declaration page, logging into the insurer’s online portal or mobile application, which provides full access to policy documents, or checking bank statements for records of premium payments to identify the insurance company.³

Finding Another Driver’s Insurance (Post-Accident)

The situation changes dramatically when the goal is to find insurance information for another driver, most commonly after a collision.

At the Scene of the Accident: In nearly all jurisdictions, drivers involved in an accident are legally required to stop and exchange information.

This includes their name, contact information, and insurance details.

It is essential to calmly ask the other driver for the name of their insurance company and their policy number.²⁹

One should be prepared to provide their own information in return.

The Official Police Report: If police respond to the accident scene, they will create an official crash report.

This report is a critical document, as it will contain the insurance information for all drivers involved, which the officer obtains directly from them.²⁹

In some states, like New York, the accident report includes a specific 3-digit insurance company code.

This code can be entered into a search tool on the state’s Department of Financial Services website to immediately identify the insurer and their contact information, streamlining the claims process.³⁰

Requesting Information from the DMV: If the other driver fails to provide insurance information at the scene or provides false information, a formal request can often be made to the state’s Department of Motor Vehicles (DMV) or equivalent agency.

To do this, one must typically have a legitimate reason, proven by submitting a copy of the police accident report, and provide the license plate number of the other vehicle.²⁹

Because driver information is protected by privacy laws, the DMV will only release it under these legally permissible circumstances.²⁹

State-Level Verification Systems

Reflecting the state’s deep interest in combating uninsured driving, many are implementing electronic insurance verification systems.

These databases allow state agencies, law enforcement, and sometimes even the public to quickly confirm a vehicle’s insurance status.

• TexasSure: This is a joint project in Texas involving multiple state departments that maintains an automated database to identify uninsured motorists. It helps reduce costs for insured drivers, who bear the financial burden of accidents with those who lack coverage.³¹
• Drive Insured TN: Tennessee offers an online application where a vehicle owner can enter their license plate number and Vehicle Identification Number (VIN) to check the status of their liability policy as reported to the state.³²

These systems demonstrate a trend toward using technology to enforce financial responsibility laws, making the status of a vehicle’s insurance a matter of semi-public record tied directly to its registration.

Section 5: Identifying Homeowners and Residential Insurance

Homeowners insurance is fundamentally tied to the physical asset it protects: the property.

This creates a powerful, centralized verification point that does not exist for most other types of personal insurance.

The information trail almost always follows the documentation of that asset, leading directly to the mortgage lender.

The Mortgage Lender Connection

For any homeowner with a mortgage, the lender has a significant financial stake in the property, which serves as their collateral.

To protect this interest, lenders require the homeowner to maintain adequate insurance coverage at all times.

This makes the mortgage lender the single most reliable source for identifying the insurance provider.³

There are several ways to leverage this connection:

• Contact the Lender Directly: The lender’s mortgage servicing department will have a record of the current insurance company on file. They are typically listed as a “mortgagee” on the policy and receive notifications of any changes or cancellations.
• Review Mortgage Documents: The annual escrow statement from the mortgage lender will often show payments made to the homeowners insurance company on the borrower’s behalf. Furthermore, the original mortgage closing documents will contain a record of the insurance policy that was in place at the time of the home purchase.³

Privacy and Its Limits

Unlike the semi-public nature of auto or workers’ compensation insurance records, homeowners insurance information is considered private and confidential.

There is no public database that allows a person to look up another individual’s homeowners insurance policy simply by using their address.³

The primary exception to this rule involves liability.

If an individual is injured on someone else’s property, they have a right to file a claim against the homeowner’s liability coverage.

In this scenario, the first step is to ask the homeowner directly for their insurance information.

If they refuse to provide it, the matter typically must proceed through legal channels, where the information can be obtained through the discovery process.³

When You Can’t Find Coverage (Last-Resort Options)

In some high-risk areas, such as those prone to wildfires, hurricanes, or coastal flooding, homeowners may find it difficult to purchase insurance in the standard, voluntary market.

When a homeowner is turned down by multiple private insurers, they may need to turn to their state’s FAIR Plan (Fair Access to Insurance Requirements).³³

FAIR Plans are state-mandated programs that act as an “insurer of last resort,” offering coverage to consumers who cannot otherwise obtain it.

It is important to understand that FAIR Plan policies are often more limited than standard homeowners policies.

For example, the California FAIR Plan primarily covers damage from fire, lightning, and smoke.³⁵

To get coverage for other perils like theft or liability, a homeowner would need to purchase a separate “Differences in Conditions” (DIC) policy from a private insurer to supplement the FAIR Plan policy.³⁵

State Departments of Insurance, such as California’s, provide resources and tools to help consumers find agents who can assist with both FAIR Plan and DIC policies.³³

Section 6: Decoding Employer-Specific Coverage (Workers’ Comp & Disability)

Certain types of insurance are tied almost exclusively to employment status, and the information systems surrounding them are designed for regulatory transparency rather than individual privacy.

Because coverage like workers’ compensation is a legal mandate placed upon the employer for the protection of workers and the public good, states have created databases that make this information openly accessible.

This is a stark contrast to health or life insurance, where privacy is a primary concern.

Verifying Workers’ Compensation Coverage

State laws generally require businesses with employees to carry workers’ compensation insurance.

This coverage provides medical, wage replacement, and other benefits to employees who are injured or become ill on the job.

To facilitate enforcement and transparency, many states provide public, online databases to verify an employer’s coverage.

For example, the New York State Workers’ Compensation Board offers a search tool where anyone can enter an employer’s name to see their workers’ compensation, disability benefits, and Paid Family Leave insurance carrier and policy information, dating back to 2002.³⁶

Similarly, Florida’s Division of Workers’ Compensation provides a “Proof of Coverage” search that allows individuals to verify that contractors or other businesses have the proper insurance.

This is particularly important for homeowners, as they could be held liable for injuries if they hire an uninsured contractor.³⁷

These tools are not for looking up personal data; they are for accessing a public regulatory record.

If a search fails to find an employer, or if one suspects an employer is operating without the required insurance, these state agencies also provide whistleblower forms to report potential non-compliance.³⁶

Understanding Self-Insured Employers

As with health insurance, larger employers may be approved by the state to self-insure their workers’ compensation obligations.⁷

They must demonstrate the financial stability to cover their own employee injury claims.

In these cases, the search is not for an “insurance company” but for the Third-Party Administrator (TPA) hired by the employer to manage the claims process.

State search tools, like Washington’s “Find a Self-Insured Employer” database, are designed to provide not only the employer’s self-insured status but also the contact information for the correct TPA for claim inquiries.⁷

Disability and Paid Family Leave

In addition to workers’ compensation, some states mandate that employers provide other forms of insurance, such as short-term disability benefits or paid family leave.

The same state-run verification portals that provide workers’ compensation data often include information on these coverages as well.

New York’s employer coverage search, for instance, explicitly includes details on disability benefits and Paid Family Leave policies.³⁶

Conclusion: From Search to Sanctuary: Building Your Personal Insurance Inventory

The journey to uncover existing insurance coverage, while often complex, can be navigated successfully with a structured, methodical approach.

By starting with a thorough investigation of personal records and then moving to the specialized tools and agencies that govern each type of insurance—from the national NAIC locator for life insurance to state DMV records for auto accidents—it is possible to bring clarity to what was once confusing.

The most valuable lesson from this reactive search is the importance of proactive organization.

The effort expended in finding a lost policy underscores the need to ensure that this difficult process is never necessary again.

The final, critical step is to create a centralized, easily accessible “Insurance Master File.” This file, whether physical, digital, or both, should be a comprehensive inventory of all active policies.

It should be stored securely, and its location should be known to a trusted family member or the executor of one’s estate.

By documenting this information now, one provides a future of certainty and security for themselves and their loved ones.

Table 2: Key Online Policy Locator and Verification Tools

Tool Name	Insurance Type	Primary Use	Link
NAIC Life Insurance Policy Locator	Life Insurance, Annuities	Free national search for a deceased person’s policies.	https://eapps.naic.org/life-policy-locator/
HealthCare.gov	Health Insurance	Find, manage, or preview Health Insurance Marketplace plans.	https://www.healthcare.gov/
Medicare.gov	Health Insurance	Official U.S. government site for Medicare information and services.	https://www.medicare.gov/
Medicaid.gov	Health Insurance	Federal portal for Medicaid & CHIP; directs to state-specific agencies.	https://www.medicaid.gov/
NAUPA Unclaimed Property Search	Life Insurance, All Types	National portal linking to state databases for unclaimed funds.	https://unclaimed.org/
MIB Consumer File Request	Life, Health, Disability	Request a report of recent individual insurance applications (not policies).	https://www.mib.com/
NY Employer Coverage Search	Workers’ Comp, Disability	(Example) State tool to verify an employer’s insurance coverage.	https://www.wcb.ny.gov/
FL Proof of Coverage Search	Workers’ Comp	(Example) State tool to verify a business’s workers’ comp status.	https://www.myfloridacfo.com/division/wc/

Appendix

Table 3: State Department of Insurance Directory

The state Department of Insurance (or equivalent regulatory body) is a critical consumer resource for tracking down merged companies, verifying agent and company licenses, and filing complaints.

State	Official Department Name	Consumer Hotline	Website
Alabama	Department of Insurance	(334) 269-3550	www.aldoi.gov
Alaska	Division of Insurance	(907) 269-7900	insurance.alaska.gov
Arizona	Dept. of Insurance and Financial Institutions	(602) 364-3100	difi.az.gov
Arkansas	Insurance Department	(800) 282-9134	insurance.arkansas.gov
California	Department of Insurance	(800) 927-4357	www.insurance.ca.gov
Colorado	Division of Insurance	(303) 894-7499	doi.colorado.gov
Connecticut	Insurance Department	(800) 203-3447	portal.ct.gov/cid
Delaware	Department of Insurance	(800) 282-8611	insurance.delaware.gov
District of Columbia	Dept. of Insurance, Securities and Banking	(202) 727-8000	disb.dc.gov
Florida	Office of Insurance Regulation	(877) 693-5236	www.floir.com
Georgia	Office of Insurance and Safety Fire Commissioner	(800) 656-2298	oci.georgia.gov
Hawaii	Insurance Division	(808) 586-2790	cca.hawaii.gov/ins
Idaho	Department of Insurance	(800) 721-3272	doi.idaho.gov
Illinois	Department of Insurance	(866) 445-5364	idoi.illinois.gov
Indiana	Department of Insurance	(800) 622-4461	www.in.gov/idoi
Iowa	Insurance Division	(515) 654-6600	iid.iowa.gov
Kansas	Insurance Department	(800) 432-2484	insurance.kansas.gov
Kentucky	Department of Insurance	(800) 595-6053	insurance.ky.gov
Louisiana	Department of Insurance	(800) 259-5300	www.ldi.la.gov
Maine	Bureau of Insurance	(800) 300-5000	www.maine.gov/pfr/insurance
Maryland	Insurance Administration	(800) 492-6116	insurance.maryland.gov
Massachusetts	Division of Insurance	(617) 521-7794	www.mass.gov/doi
Michigan	Dept. of Insurance and Financial Services	(877) 999-6442	www.michigan.gov/difs
Minnesota	Department of Commerce	(651) 539-1600	mn.gov/commerce/insurance
Mississippi	Insurance Department	(800) 562-2957	www.mid.ms.gov
Missouri	Dept. of Commerce & Insurance	(800) 726-7390	insurance.mo.gov
Montana	Office of the MT Securities and Insurance Cmsr.	(800) 332-6148	csimt.gov
Nebraska	Department of Insurance	(877) 564-7021	doi.nebraska.gov
Nevada	Division of Insurance	(888) 872-3234	doi.nv.gov
New Hampshire	Insurance Department	(800) 852-3416	www.nh.gov/insurance
New Jersey	Department of Banking & Insurance	(800) 446-7467	www.state.nj.us/dobi
New Mexico	Office of Superintendent of Insurance	(855) 427-5674	www.osi.state.nm.us
New York	Department of Financial Services	(800) 342-3736	www.dfs.ny.gov
North Carolina	Department of Insurance	(855) 408-1212	www.ncdoi.gov
North Dakota	Insurance Department	(800) 247-0560	www.insurance.nd.gov
Ohio	Department of Insurance	(800) 686-1526	insurance.ohio.gov
Oklahoma	Insurance Department	(800) 522-0071	www.oid.ok.gov
Oregon	Div. of Financial Regulation	(888) 877-4894	dfr.oregon.gov
Pennsylvania	Insurance Department	(877) 881-6388	www.insurance.pa.gov
Rhode Island	Div. of Insurance Regulation	(401) 462-9520	dbr.ri.gov/divisions/insurance
South Carolina	Department of Insurance	(800) 768-3467	doi.sc.gov
South Dakota	Division of Insurance	(605) 773-3563	dlr.sd.gov/insurance
Tennessee	Dept. of Commerce & Insurance	(800) 342-4029	www.tn.gov/commerce
Texas	Department of Insurance	(800) 252-3439	www.tdi.texas.gov
Utah	Insurance Department	(800) 439-3805	insurance.utah.gov
Vermont	Dept. of Financial Regulation	(800) 964-1784	dfr.vermont.gov
Virginia	Bureau of Insurance	(877) 310-6560	scc.virginia.gov/pages/insurance
Washington	Office of the Insurance Commissioner	(800) 562-6900	www.insurance.wa.gov
West Virginia	Offices of the Insurance Commissioner	(888) 879-9842	www.wvinsurance.gov
Wisconsin	Office of the Commissioner of Insurance	(800) 236-8517	oci.wi.gov
Wyoming	Department of Insurance	(307) 777-7401	doi.wyo.gov

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