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CNS has been my insurer for over 20 years. I have had 2 claims in that period and both were handled exceptionally well. The last claim involved a flood in my home leaving it inhabitable until restoration could be completed. CNS had me set up with temporary lodging within 2 hours of calling them and filing a claim. I have found their rates to be reasonable, however, since I have been with them for so long, that does help reduce my premium costs