I pay a higher premium than others I have asked. I bug my agent about it, to no avail. Any homeowner claim I have ever made with them was long ago and I remember little. I don't remember the outcome but it hasn't left a bad taste in my mouth. My auto is bundled with it and we have made several auto claims. I am so satisfied with them about their treatment of us there that I have nothing but praise for the company and would never leave [almost].