We are a commune of inquiring, skeptical, politically centrist, capitalist, anglophile, traditionalist New England Yankee humans, humanoids, and animals with many interests beyond and above politics. Each of us has had a high-school education (or GED), but all had ADD so didn't pay attention very well, especially the dogs. Each one of us does "try my best to be just like I am," and none of us enjoys working for others, including for Maggie, from whom we receive neither a nickel nor a dime. Freedom from nags, cranks, government, do-gooders, control-freaks and idiots is all that we ask for.
I've had pretty good luck with State Farm over the years. Had a leak in the roof last fall that damaged some drywall. Called a contractor, he had State Farm come out. Hail damage, they figured. Complete new roof. Complete siding replacement. $1000 deductible covered it all.
I had allstate on my rental house next door to where I used to live....For 15 years, not one claim and they walked my rates up from $700 a year to $1800....I made one claim and they refused it because "It was a very heavy rain with wind"...the wind part of it blew my deductible up to catastrophic heights...LOL...allstate is lousy...
I've had USAA for 40+ years (I entered the army at age 17). As it's a member owned organization, the premiums are rock bottom, the service is impeccable and I get a subscriber's bonus when the premiums they have collected exceed a threshold of claims paid out (plus I now get a senior bonus for 40 years membership that exceeds the cost of my homeowner's premium).
USAA since '53 here. Can't count how many years that is any more. If we get a senior bonus, I don't know about it, but then my wife handles all that stuff for us. Now that I think about it, she does have me endorse a USAA check every now and then.
Sorry to hear about all the problems, especially the car crash. Hope everything is ok. We have USAA and don't have any complaints, they are expensive (by our standards anyway) but their service is amazing. I need to look into the umbrella policy.
I've only had Allstate on my car(s), and only when I lived in the US, but off-and-on since I was 16 (that's 52 years now) they've not been the cheapest, but they've always come through, and never jacked my premiums because of an accident. Can't comment on their other coverages, though.
USAA here too. Very happy with their friendly attitude and can do spirit. Never any hassle with them. Rather enjoy how they still often call me Sgt. Snyder even though that title was done with decades ago.