Sorry to leave this review but I feel I must warn others to do there homework and research themselves and not rely on people's word. With ALL YOUR INSURANCE Guy is very Personable with a great sense of humor however that's not important when it comes to my bank account I was over charged for my townhouse insurance cause research wasn't properly done. I was being charged $400-$600 MORE then what I was actually supposed to be paying cause I took his word that he called my HOA himself and find out what was suppose to be covered. Recently left progressive after 15 years due to this issue.