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Cooperators is expensive, but never had an issue with them, guess it's because I never needed to make a claim. But I did test them once, and called in and said my basement was flooded to see how they would handle the situation. They were prepared to send over someone to drain the water and dry the carpets and assess the damage. Then I told them it's ok, I'll do it myself .. so they passed the test, but not sure if they would have been if I pushed it all the way. The amount of insurance I paid in my lifetime for car and home is gotta be over 100,000. Put that money in compounding medium-risk funds over 30 years, and that would come out to around 450,000.00.