They must have changed lately, because they were a pain in the ass to deal with when I had them last. After having a $1,500.00 claim on my homeowner's insurance - cars got broken into in the driveway - they refused to renew the policy with a $0.00 deductible. The only way they would write the policy would be for me to go to a $1,000.00 deductible. I also had two cars, three bikes, and a huge life insurance policy with them at the time. I left and never looked back.