Think I am going to go with armscare. I have had to try to use insurance before. Its painful, but I can't say I didn't get paid. Alot of the problems come with the fine detail. Or people just being uninformed. People automatically assume they got this covered or that covered, and shocked to find out (as I was yesterday) how little they are covereed.. Or did they document it correctly. Take pictures, collect serial numbers, have reciepts ready for proof. Don't just show up and say, "I had this or that but no picts or serial number or reciepts". I like to try to make them accept a serialized list for thinks. For example my motorcycle, I have 3K of assessories. I put together a list and made geico file my assessory list. When the time comes, everything goes smoother.