If I could give this guy a zero, I would. Dealing with them has been a total niteman. Cut it short I was told my home would be covered because it was my primary residence even though I had renter. If I had sent in my money I'm sure I would have kissed it goodbye. When I got my binder it said "no rentals". I called MIKE STANTON and he assured me he wrote the policy correctly that was on 6/5/23 after going back with forth with many sales reps cause Mike took time off and said he would be back on 6/28 but he did not get back til 7/6 according to him that's why I had to deal with plenty others. I was out of time on my HO I needed coverage. He guaranteed. Well on 7/7/23 after many emails he finally stated he called the Southern Oak and in fact I would not be covered. Great. I got money orders, a four point inspection, a new hot water heater, jumped thru all their hoops only to not be covered. I would not recommend this company at all. I am furious