I own a disaster cleanup business. I recommend insurers that are in the smaller to medium size for most people. Farm bureau fits this. Its been a while since I have done a farm bureau claim, but I always remember them treating me right. The ones I have had trouble with lately. is Travelers, actually they suck and always have. State farm has been wonky lately. auto owners kinda sucks. Allstate and farmers usually have claims departments that at least get things done, although all the larger companies will have a narrower view of what is covered and what isn't than a smaller insurer. It might not ever make a difference but if the coverage is kinda a gray area, (more common than you think) The smaller companies usually find a way to insure it vs how to find a way not to, there is huge difference. I wouldn't feel bad about having farm bureau if the price was right. I also like american family
