I switched over to N/W during a refi. I had expected it to be a very complicated event because I had been with my previous insurance company (home and auto policies) for years and never thought of leaving them. Once I saw the cost difference and savings a year, I knew it was time to switch. Jessica in Mr. Bunn's Office at N/W was exceptional. She was very helpful, and never made me wait. She had answers for me, and I felt reassured the switch would be uneventful. We completed everything via e-mail. There was no need to take time off work and go visit an office. This whole experience saved me time and money, and I would definitely recommend N/W, Mr. Bunn's office and Jessica to my family and friends. If I had to do all over again, I wouldn't change a thing. If you are thinking about switching over, or have questions like I did, call Jessica at N/W - you may be surprised like I was.