[MRM]

Chubb has a reputation in the industry for writing very broad coverage language in their policies (i.e. covering things no one else does and using fewer exclusisons) and paying on difficult claims. I think they're a little higher than the cheapies but you do get more.

For someone with home and auto and a clean record, it's hard to beat the rates of State Farm. In my experience they're the most professionally run insurance company and have the best trained adjusters. They are quite on top of things so they're not going to give you breaks on a gray area, but they'll be fair to the letter of the contract (you just might not like the contract language). They generally have the lowest rates of the major insurers because of their market size and meticulous claim handling.