read the policy guidelines and if it fits your needs get it. you should know what the agreement covers before you sign up for it.
Standard procedure is to deny payouts. You then must hire a jew lawyer, who may not be successful.
I had a situation where I needed my insurance company (not related to self-defense) to make a payout. Without getting into any details, the event in question probably cost them around 120-140k. They paid. No issues. No hassles. It was a completely smooth experience. I would say it all depends on your insurance provider.
I have an auto insurer I use that has never given me any hassles and I've had to use them a couple different times. Again, no issues when making a claim.
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