With Home Insurance Plus I have to claim twice and it was declined both times! First, with personal possessions, even though I did pay for accidental damage, they decided they decided it wasn't covered as they didn't know for sure the cause of the damage. I have a report from the Apple Store stating that the cause was the fall, which I have mentioned to them over the phone. Ridiculous. Second, my fridge, broke down - I went ahead and bought a new one. They said that an specialist would have to come and see what cause the damage - now, do they really expect someone, nowadays, to a get a repairer to come (at your expense) and see what the damage is? This would probably take days, days which you'd have no fridge. The closest thing to a scam I've in terms of insurance - stay clear!