Landlord Insurance providers

[Mike Allen]

Hi! Has anyone ever issued a landlord insurance claim with?:

• Proper (https://www.proper.insure/)
• Steadly (https://www.steadily.com/)

Just curious if they actually pay? Have good customer service? Does anyone know if these companies are financially solid?

Also, I believe that Landlord Insurance is all I need. Feels like extending my umbrella policy to cover the S/MTR would be a good idea. Or, is this overkill? 

Thanks!