I have everything through them and have no negatives aside from actual process to pay for the premium is a bit painful. Had a car accident years back. Wasn't at fault, but they took care of everything right away, got it towed to a dealership, rental car for the time of the fix, etc. No delay or waiting for the other person's insurance to pay. Home, a few years ago, had to file two claims in the same year. Got checks within a week of calling (adjuster was there next day). Neither made my rates go up significantly (maybe $100/year, total for claims was over $20k).