We purchased this insurance because of the weather in the Gulf is always changing and wanted to make sure our family vacation went smoothly. On our first night staying at a beach house in Galveston there was a horrible storm which ripped siding off the home blew down an enclosed fence and sent heavy debris flying. A large sign flew straight into the front of my husbands truck going into the bumper and grill then breaking off leaving a piece of wood lodged into the truck. We sent in pictures and the proof they needed to show it was a weather related incident. I wasn't very worried because we had the travel insurance that COVERS personal property damaged up to $500.00 which is what we thought it would be to fix. But after not hearing from them for 3 weeks I called and Red Sky Insurance has decided that our truck isn't our personal property and refuses to pay. They said they'd cover my cell phone if it was damaged or a rental car if it was damaged, but not the truck we just bought only a few months ago. I will never buy their insurance again. It's a scam. Their policy language has loop hole after loop hole. I have found via facebook and other reviews that this company has SCAMMED hundreds of people out of thousands of dollars. They have over 115 complaints against them with the BBB and have ruined countless vacations. AGAIN, DO NOT BUY RED SKY TRAVEL INSURANCE.