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WizardDresden2192 t1_iufk9zt wrote

Not true at all. For married discount I've never been asked for documentation. When I worked as a producer it was never required. Some may depend on state laws, but I doubt it. Other, more serious discounts like a new roof discount require documention.

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321_reddit t1_iufl3u9 wrote

It’s highly dependent on state law then. Where do you primarily write policies?

I experienced this issue first hand 10 years ago when attempting to combine insurance policies with my then boyfriend now husband. A very well meaning insurance agent attempted to record us as “married” even though Nebraska didn’t recognize same sex marriage. She later had to rewrite all of our policies because underwriting flagged it. The insurance companies in NE were using state law and applying it to their rates.

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WizardDresden2192 t1_iuft0ub wrote

I wrote in OH but that was several years ago. If something was very obvious or there were state laws as what constitutes marriage then yes, uw will flag or decline that policy or discount. But, generally speaking especially since op is engaged, I don't think it would cause any issues.

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