This insurance is horrible! They do not represent their product. They do not even manage the claims. They collect money, that is all they do. They use Garret Basset claims to manage the claims and Garrett Bassett uses Frontier to manage the field adjusters. They use Home Link to manage the relocation of temporary housing. I had a terrible experience with them and a claim. They did not even have a field adjuster to my unit until nearly 15 days after a flood. I was lied to that the field adjuster called me three times and left a voicemail! No way! They just decided to stop covering additional living expenses and were given ample, ample discovery that stated that they were premature in doing so.
Do not be fooled! Do not do business with this company. Mark my words, you will be out on your butt, and no matter what you provide them to prove you shouldn't be, they will cut you off when they feel they can. I am having to now retain counsel to fight their treatment of me. You are better putting your trust in a major name brand company where they are not clearly unable to support the claims. They will hurt you more than help you if you do business with them! This is a bad insurance, bad, bad, bad!
Bottom Line: No, I would not recommend this to a friend