The underwriting company is well rated. I have insurance for my travelling guns with them and, fortunately, have yet to file a claim. Their rate of under 50 cents per hundred dollars of value insured at replacement is way under the cost of a rider on my home ins at well over a dollar. Still, you'll never know until you file a claim. On the other hand, all the searches I did were positive, which, along with the price, is why I booked with them.