I submitted my first claim recently and wanted to submit a fair review about it. Embrace makes it easy to submit everything via email/fax etc, and their agents are helpful on the phone. The fine print I did not read was their $300 annual deductible, which for insurance is standard, but killed me on my first claim since it was almost $500. I guess something is better than nothing, however will probably start researching insurance w a lower deductible.