Brethren Insurance took my payments for years, but when I filed a claim against my homeowners policy, they accused me of lying and refused to pay my claim. They claimed my policy had ended on a Friday at 2:30pm after my agent and I had purposely extended it two months earlier in case of problems with the move. Brethren will do anything to avoid paying a claim. My home had been sold and the new owners claimed that in violation of MD law, they bought the contents of my home even though it was not listed on my contract. The new owners stole my possessions and sold them to an antiques in Hagerstown. Brethren had all the details and yet they did nothing. It seems like Brethren only hires family to work in positions of responsibility and they don't follow insurance rules as set by State Law of MD.