They'll send you claim to an "investigator" if you've had another claim a few years ago. No questions asked.
The adjusters try to use manipulative tactics by bullying the customer. For instance, when I told her how I thought the theft occurred, she replied, "haha, really?" Yes, really. Annoying. It's quite obvious they're trained to make you feel like crap while you're the victim.
I would not recommend even for $5/mo.