Was insured through Winters for more than two decades (not anymore). Not once did I receive a call. Oh, sorry. Did receive one call advising me that if I didn't trim my tree branch back from the... Was insured through Winters for more than two decades (not anymore). Not once did I receive a call. Oh, sorry. Did receive one call advising me that if I didn't trim my tree branch back from the house my homeowners insurance would cancel. Nice.