Stay Away, They will pay the first and maybe the second claim very quick but after that they will treat you like a criminal, like youre lying to them. First they tell you to get the replacement and then after they tell you that is not covered. If you don't believe me do it and you will see. They send me an email sating that I was denied due to information that they cant verify, I'm like come on you been asking me for so many things even statements from witnesses and after you deny my claim? II think they taugh I was not going to bring it but I did Im not lying,, Dont get on this better Go to another company even if is not that cheap! With a bit more than 15 per month you get a better deal with other companies... Ahh Most of their reviews are not legit!