Very expensive, which most of them are, But they need to have more educated sales agents who can quote accurate rates and give you one quote and not at the last minute when you are ready to sing a policy, you see whole different set of numbers which were not explained at the beginning. I think insurance agents are like car salesman. They tell you all the great things that they can offer and promise you this coverage and that kind of coverage just to get you to sign. And what's so ironic is when you file a claim they are very hesitant to to approve it, then their deductible is sky high, then this claim you have filed will hurt you on your renewal policy the next time you sign. Also if you were to change insurance carriers the next company whom you choose will look at your previous claim you had and might not consider you because you are a risk to them.