Not sure if this is the right place to post but I have read and heard so many times when a 3rd party insurance company does not come through with what someone thought they were buying. I just had a great experience with United States Warranty Corp. for a tire road hazard policy that I bought from Lazy Days when I purchased my motorhome.
I noticed a gouge in my tire on a trip last month, called Warranty and they told me to find a place to replace the tire which I did. They did not ask for anything more than my word that the tire was damaged. I sent them a copy of the invoice and received reimbursement two weeks later.
It's nice to get what you paid for.