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Never had any claims or other 'need' for their service other than paying the premium hoping it's good, but came time to try to cancel tenant's insurance and it can't be done. Apparently, an account I opened and put someone else's name on just because they lived with me requires them to cancel the policy. It is ridiculous. They have nothing more than a name. No signature or anything else legally binding. It could be my cat for all they know. Bunch of crooks. I'm going to do everything in my power to cancel this and my current home insurance policy (if I'm allowed to). From all the really negative reviews, I have no faith in the company being able to be counted upon if it came to making a claim. Low rates but what's the point when you don't get anything out of it. I can see a class action happening soon. Based on reviews, they shouldn't exist. And anyone working for this terrible company, you're all part of the problem.