The phone system is not acceptable. No matter what, you have to listen to their ads to even get to the prompts needed to get to a live person. They do not always pick up but do call back if you choose that option. I have wasted a lot of time trying to resolve issues. They have failed to process and address change on my property and therefore failed to pay my insurance two years in a row. I had to pay it then waste hours on the phone with them. They process normal payments fine. They did not credit my payoff correctly so I had to call again about that. Ok company but typical of the poor customer servcie most large companies offer today. They do not value their customers time.