I had insurance through an independent agent had all sorts of problems but no claims switched to USAA, rates were less and better coverage, USAA then started using progressive for MH coverage and during the first year had vandalism damage which was covered without question and for year 2 of coverage our premium went down. We are covered for accidents, all weather phenomena including floods, any and all damages including a toad or trailer, trip interruption, and medical in US and Mexico all for less than $400 a year. Not to mention Roadside asst. and towing. We are very pleased with their service.