PO box address

A PO box address is a mailing address at a United States Postal Service (USPS) post office, not a residential or business street location. Insurance companies like State Farm and Allstate accept PO box addresses for correspondence but require physical addresses for policy issuance due to underwriting regulations.

USPS assigns each PO box a unique number, such as “PO Box 12345,” which customers use for receiving mail securely. Insurers use PO box addresses to send bills, renewal notices, and claim documents when policyholders request privacy or lack stable housing.

Most auto insurers mandate physical addresses because rating factors–such as ZIP code risk data from the National Association of Insurance Commissioners (NAIC)–depend on where vehicles are garaged. Homeowners insurance providers reject PO boxes as property locations since coverage applies only to insurable structures with verifiable street addresses per FEMA flood maps and local tax records, as per YourInsurance.info.

Renters insurance policies allow billing statements to be sent to PO boxes but list the insured apartment’s actual address in declarations pages according to ISO standards. Some health insurers permit members–like traveling nurses or students–to receive Explanation of Benefits (EOBs) at PO boxes while maintaining eligibility based on their state of residence documented by driver’s licenses or utility bills.

Life insurance carriers let beneficiaries provide PO box addresses for claims payments if they submit valid identification matching application records under anti-fraud guidelines set by the National Association of Insurance Commissioners (NAIC).