First off just know I am pretty picky and will rip companies apart online. Don’t believe me? Just look at any of my google reviews I’ve left. I’ve had bear river for 10 years. They have been phenomenal. They covered a homeowners theft claim for me that based on their fine print, they could have easily denied. They have also provided me road side services while on an out of state vacation and saved us. I’d stand by these guys 100%.