I was insured with GEICO while staying long-term at a park in Tennessee. While there, a lightning storm hit the campground and took out my air conditioner in the fiver. The GEICO claims representative was out at the campground the following day, took a look at the damage, and wrote a check for the damages less deductible on the spot. I was very pleased. The only reason I am not with them now is I get a better deal on all of my insurance as a package through USAA. But not everyone can get USAA coverage, so that may not apply in your instance.