My first clue to this phony company was an unsolicited letter in mailbox. As I read it, I noticed that all correspondence was through a po box in Denver, CO. Second, there was no physical address. Third, the phone listed to call immediately was 1-877-444-7750. Fourth clue was NO e-mail address, NO fax number, and only a po box in Denver. The company is supposedly listed in Denver(po box), but the letter stated that I needed to call from 8am-8pm EST. Denver has always been on MST! I called the phone number listed on letter and was put on hold immediately. This long hold time is specifically designed to sell the homeowners "anxiety" about the possibility of an unexpected and expensive repair. When they finally did pick up the phone, about 15 minutes later, I asked the lady who answered "Hasn't the government shut ya down yet?" She asked me what I said, so I repeated my response..."Hasn't the government shut ya down yet?" I then told her I was very suspicious of her unsolicited letter. She then proceeded to tell me that what they were selling is designed to be an "overlapping" policy for homeowners insurance in the event that my water line breaks. I then asked her WHY did your letter list you as a Denver based business, if your phones are on EST, as the last time I checked, I was pretty sure that Denver was still on MST! I then asked for their physical address, and she then immediately told me that "we have many offices in the USA", and that "we have a million and a half customers". I then said "So, you must be pretty proud of ripping people off with your phony scam?" When I informed her that we lived in a condo, and we belong to an HOA, she couldn't seem to find an answer to that statement. She then said that it wasn't a scam, and that she would let me speak to a supervisor(hmmm, must be a refferral to a top salesman/scam artist to talk me into a sale). She ended up hanging up on ME! ha ha! Word to the wise: Save your money and let your taxes pay for the water line repairs!