Amazon calculates a product’s star ratings based on a machine learned model instead of a raw data average. The model takes into account factors including the age of a rating, whether the ratings are from verified purchasers, and factors that establish reviewer trustworthiness.
Great price and coverage for the item. It’s one of those things that you hope to never have to use, but are glad that you had it if you do. I’ve had to file a claim previously and they’ve been smooth and easy.