Look elsewhere for your insurance needs. They were quick to sell me a policy, but when support was needed they provided awful service. I had a policy effective in November. On Dec 6 as I received a termination letter and inquired why. On Dec 7, they said they would respond by Dec 8. I did not receive a response. I contacted my lender explaining that I hadn't heard from Garner Insurance, after which the lender called them and they replied saying they would find out more and again would be in touch with me first in the morning (Dec 12). They never reached back out or followed through on their commitments. I was able to find out from another provider that the policy they issued me through UU Insurance does not cover flat roofs. I'm not sure how this was missed, given the documentation I provided them had pictures and literally said "flat roof". They put me in a difficult position through a seemingly avoidable miss-step. Combine that behavior with them not following through on two commitments is one of the worst insurance experiences I have encountered. If you have insurance needs, I highly suggest looking elsewhere. read more