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Been with RSA for over one decade and one small auto claim. Premiums kept creeping up and up and realized they were out of touch with market. Could have saved over 20% on last renewal. Broker convinced me to stay as I'll have a long history with them if I ever have a claim. So this year I had one water claim after a huge storm, I had their very expensive rider on policy so figured everything would be OK. They fought for every last dollar and cent-- very poor...When you have the chance...move on (wish I had - won't make that mistsake again...)