After having a policy for 7 years I had realized the policy of purchased what's unnecessary! There was certain stipulations where the policy would not even cover my death! And the renter's insurance did not cover flood or burglary! Also when trying to cancel the policy I was charged an extra $135 with my usual bill to cancel the policies! With a compounding interest every month until the final bill was paid. Considering my history this is insurance that I do not recommend!