Sign up with these folks if you like to be treated like they're doing you a deep favour taking your money on a monthly basis for more than 15 years. Over the last 3 years I have been bullied into changing a perfectly fine heating oil tank (I opted for a 7500 dollar conversion to gas boiler - they wouldn't even agree to allow me to waive any oil leak protection instead), bullied into changing my payment method, bullied into dropping a 150 dollar comprehensive claim on a stolen satellite radio because of a 45 dollar windshield chip claim the year before that, all through threats to cancel coverage or jack up my rates. They failed to bully me into a second needless (and always predatory) "home inspection" in three years - today I switched companies, and I wish I'd done it three years ago. Like most, I've paid thousands more than I've ever claimed over the years and I did nothing to deserve the treatment I've received. Call around, and steer clear of the utterly egregious arrogance of this company.