I have had good experience with them in the past. Claims were paid quickly and easily. However, they have a new underwriter in 2016 and rates increased significantly although the company maintained that rates were the same. They are not! I also recently discovered that they have an unusual way of calculating deductibles; not like car insurance but a unique twist which gives them more money. Is this disclosed in their Web site? Yes, but you really need to read it carefully to get the nuance. I'm a bit disappointed in the lack of transparency of the company.