The issues began when my home policy renewal suddenly increased by nearly $400 without any clear reason. There were no claims or changes. After spending almost an hour on hold, the representative couldn’t give me a straightforward answer. Initially, they claimed it was due to a system update, then another agent cited 'location risk,' despite my long-term residence. To make matters worse, they withdrew the monthly payment earlier than expected, causing an overdraft. I eventually canceled the policy, but they retained part of the payment for the next month, claiming it had already processed. While the insurance itself was fine, their customer service is a complete mess. I learned my lesson the hard way.
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