Fine until you need to make a claim. We needed to make a household (home and contents) claim following an escape of water. The property was left untouched for nearly three months while everything went mouldy, and then the company fought every since penny of the claim claiming they weren't responsible for so much. Communication from them has been terrible- refusing to answer our questions, while bombarding us with questions of their own, and some of the third parties they use are downright rude. Fortunately- against their advice- we removed all our valuable and sentimental items the day of the claim. If we hadn't done so, everything we treasured would have been lost to their negligence. They have admitted they many mistakes were made on our claim, involving crazy amount of time and hassle for us in sorting this out, but haven't offered a penny in compensation for this.