You will be told you are insured. They are nice when they make these false assurance. Stay well clear. Your premium payment will not be for real insurance, just a donation. If they get wind of the chance of a claim you will find your insurance cancelled or you get to find out it was all BS. It's then when they explain the riddle of the schedule and policy wording, they only ever explain it after, not before, so as not to spoil the joke. The policy wording is there to make you think you're insured. Just been broken into, they damaged 2 walls but they don't cover break-ins while claiming to cover theft. With this being an empty property insurance there was never anything to steal, so there could never be a theft when someone broke in. If they break in and cause damage, maybe burn the place down then although the policy wording provided says you are covered the schedule you're not. Supreme con artists these guys. If you want real insurance do not give your hard-earned money to these parasites.