Amazing I haven''t seen this question before.
I have Nationwide as my rider, with Nationwide being also my homeowner''s policy. I''ve never had a claim for the rider, but I have had for a minor thing (needing to replace camera & computer in a robbery), and that went fine. The major convenience is with paperwork, for me, having the annual premiums just included with our other paperwork...so it''s on automatic. I''ve had no problems, and could recommend them generally. I found them a bit higher than both Jeweler''s Mutual, and State Farm...and did go with Nationwide for the convenience.