To be clear. If you are going to use the insurance from your home or your apartment. Understand that it is actual insurance. When you call your agent, ask them. 1.) If you file a claim, how much will your premium go up? 2.) If they file all claims with the report agency. 3.) How long does the report stay at the agency. I did ask, (the summary) 1.) For the first report your premium month cost will go up for you car, home, and liable, 33 dollars a month. That is 400 dollars extra a year, if I have to use the insurance. If you have two claims with in 18 months, your premiums will increase by 55 dollars every month or 600 dollars a year. 2.) It is required by federal and local laws that all cash payments be reported to the clearing house. Any report will have a negative impact on your credit score of about 50 or so points for the first report. The next impact will be 100 points. Since there is only about 500 points, this will drag down your credit rating by 10%. The reduction in credit rating is included in the above increase in your insurance bill. 10 dollars for the insurance increase and 23 dollars for the reduce credit score. 3.) The typical report for insurance will remain at the clearance house for 18 months, after 18 months, you will be considered none risk. If another mark is issued from the insurance company with in the the 18 months, the mark will become permanent. Which will be expire in the required 84 month period. Ask all the questions before you buy an insurance plan. Sprint will cost you 432 dollars in two years, if you break the phone twice. Riders will cost you 4820 dollars in 7 years if you break the phone twice. Tell me who is the smarter person. Of course my agent told me all this up front, she is getting paid no matter what, but if they tell you they can not calculate the cost up front, get another agent.