Would rather rate them a 0. this company is horrible. i was customer for three years, always paid my premiums at six months, never once had a claim and yet my rates consistently went up, just enough to make it less than other places. i finally was able to combine my home owners and auto make it less and these jerks charged me a $50 cancellation fee for canceling one month before the term was up. i have never been charged an early cancellation fee by an insurance company. do not go thru them, it's a horrible company.