I’ll counter that with our USAA homeowners insurance who not only covered my hardwood floors destroyed due to a leaking refrigerator while we were on vacation. But about a year later we recvd a check from USAA fully reimbursing our deductible as they took GE to court and sued them due to selling a product that was known faulty. Pleasantly surprised. We also have them for auto as do our children. They are definitely not the least expensive but they just take care of everything without too many moving parts on your end. Just file it and its handled, or it seems.
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