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Unfortunately, my husband and I had 3 claims (same problem) within 2 years as our sewage pipe burst under our mobile home due to problems with a City line. The problem was not even our fault but Red River Mutual advised our broker that they would not be renewing our policy as we had too many claims. They never even had the decency to inform us personally. We paid this company for years upon years claim free and now they are dropping us through no fault of our own? They just want your money but god forbid you actually have to put a claim in! Stay away from this money-hungry company!