What is the definition of Good Home And Auto Insurance?

"Good home and auto insurance? Sounds like a recipe for disaster, or at least a hilariously overpaid insurance policy with a 'no claim' clause that's as creepy as a ghost in your car's glove compartment. Now, picture this: A guy named Fred decided to live in his old attic with a cat named Whiskers, only to get a claim when he tried to swat the cat with his new policy's 'accidental damage' provision. It was like he got a refund for a lifetime supply of catnip, minus the guilt."