This process is taking a really long time. My policy covered up to $20,000 in property loss. I had to take out a loan to move to a new place. The company is based out of Florida but I know they have to be licensed to do business in North Carolina. My policy has never lapsed as I have always made my monthly payments. As of Today, my policy is cancelled but my claim is still open. I am still waiting for my stolen laptop to be included in the settlement.