This is the most dishonest insurance company out there. We made a claim for severe water damage. They OFFERED us emergency service for water removal. Then called back after the work had been done to say we didn't have coverage for it so sorry. It had been my Moms policy who had passed away so we figured she was covered. They NEVER said at your cost etc. what a bunch of liars and the words say your in good hands NOPE your in liars hands with mouths that spew words of we do everything for you when what you are really getting is NOTHING for your money! Buyer beware find someone that gives a damn because these people DON'T!