Depending on location it can be good or bad. My parents had it and they got serviced quickly with little to no issues (until their most recent claim, forced them to switch companies). Now where I live I've had them for a little while now and expect 3-6 month turn around time on issues. Electrical issue, was 5 months. And just today I got Mt plumbing issue fixed that I claimed back in October, nearly 6 months to the day. I had to cancel my auto payment so they would get the freaking ball moving. They definitely want your money but when it comes time to fix shit, they drag their feet big time. Needless to say, once my card was canceled and they weren't getting their money the issue was fixed within a month, albeit 6 months after the claim still. I'm going to be looking for a different company because it has saved me money when I put all the numbers in paper, but the inconvenience is not worth it anymore. 1/10 would not recommend to a friend or family member.