[MRM]

I have worked with Cincinnati too. I share LWJ's observations. I am not insured with them either, and I don't have any investments with them, but they are on the short list of companies I would recommend.

If you have higher value assets Chubb Insurance could be a good choice. They charge higher premiums but have a very select risk pool and have a reputation for paying claims promptly. I'm pretty sure they have quake coverage but you'll have to check for your state.

The need for earthquake insurance is likely going to be the choke point for you. Why don't you get a list of insurers that provide quake coverage and ask here which ones people recommend. You might want to combine all your insurance with one company. And when you do, please make sure you have a personal liability insurance policy of at least $1 million. If you can, get one that includes UM and UIM auto coverage. It's the best value insurance you can buy.

I have all my personal insurance with State Farm but I am pretty sure they don't offer earthquake coverage.