we had our jet ski covered, it sunk and they didn't cover it. they said it was overheated. but it overheated because it sunk and it had sand in it. they took three months to go over everything dragging it out, saying their computer was down, etc. finally not covering what we were paying for. then when i asked for a refund of the premium because it never ran this season they informed me that i would be penalized because we were canceling the coverage. be warned! they take your money but don't pay on a claim!
Cons: they will go above and beyond to NOT pay your claim
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