I have this insurance, and my house burnt down last year. I could not ask for better insurance. My agent Carla Wicks, insured us well and made sure we were covered incase of an accident. Our house is nearly ready for us to move back into and I just paid my premium for the coming year with a smile on my face. They will also insure my cars and give us money back if we are claim free for three years. I would recommend this company to everyone, their claim service is second to none.