[Plaz]

I've been with State Farm for decades across multiple states. Claims have always gone smoothly, even a few big ones. Very happy with my agent and the policy. A little more expensive, but worth it, I think, in the big picture.

Had Chubb homeowners for our last house (State Farm wouldn't insure us because of an underground oil tank). Was also pricey, but crazy good when we had storm claims due to trees coming down on our fences and roof. Fast, no hassle at all, paid our claims with no pushback whatsoever... they didn't even send an adjuster. A few iPhone pics was all they needed. Made me think it would have been really easy for unscrupulous people to defraud them. But of course that would never happen here in New Jersey.