Rider insurance is regional, have a few buddies who use it, prices are reasonable, service seems alright. Same with Markel, they have vanishing deductibles, but you only need 6 months so it may not matter. I used PolicyDog.com to search and get in touch with a rep to quote me the best rate and package over a bunch of insurers, by far better value than any bigboys like Geico, progressive, so far I have not had to use it, so I can't comment on the claims process.