I believe this company is much like other insurance, the old bait and switch routine. First period they will entice you to sign up with a very attractive premium quote. The renewal nearly doubles that and when asked why they replied it was necessary because of claim experience in my state. I have owned 14 RVs without a single claim (at least not in the past 20 years) and a perfect driving record. Their response justifying such a hefty increase was unacceptable and so I switched companies. Of course, I expect the same increase 6 months from now, but you never know. Someone out there may value my business