Total scam. They don't pay out on instances of 'tenant neglect', even when this causes significant damage. Whats the point then? When they do pay out, the excess is high, and there's a good chance your payout doesn't even cover the cost of their useless service. Don't bother, when things go wrong they aren't gonna help you.

I would not recommend going near these guys. All good when they want to get your business. Everything is made easy. But its a case of the old saying... if it looks too good to be true, then its probably not true. Their policies are very …