Bird, those are all good companies. At issue is how they handle your age and the storm risks to your home.
The Insurance Services Organization, aka ISO, sets a basic rate based on all shared carrier claim info for each state.
Each insurance company can elect to "deviate" off the basic rate for marketing purposes to attract for example the better than
average driver or lower risk home.
If I were over 75 years old, I think I would try to stick with one company and not move around.
If one carrier offers full replacement cost on building and contents while another won't, I'd pay more for the full replacement cost.
Keep the total premium down by electing a 500 or 1000 deductible, but in a major fire or hurricane, full replacement cost coverage is
enormously helpful. Just remember you have to replace the item first to get the full value, otherwise even a replacement cost contract
only offers ACV if replacement or rebuild is not performed.
I adjusted hundreds of claims myself and wrote checks on the spot where needed. Always property claims, no agent ever had liability draft authority
to my knowledge.
If you can find a long standing mutual insurance company to insure you, with a local claims office, that's where I'd look first.
Mutual companies vs stock shareholder owned companies all want to make money but mutual companies ultimately report to their policyholders,
not the investors, which is usually a good thing. For example, my LTCI is with Mass Mutual, a true mutual company going back forever, and while they had to
raise my rates for the first time last year since I took out the policy almost 20 years ago, I knew they were doing so because they absolutely had to.
And they held off raising my rates long past most other competitors. Any of you who still have LTCI will know all too well about rate increases.
Bottom line is I trust the mutual company more.
So first I'd stay where I was if I was at least satisfied with them. Second I'd pick a mutual company first if same price.
Oh, I'm with Westfield too. Old, expensive (likely full ISO pricing) and handled by an agency who is more important to me than the premium.
I went from a 700 dollar loaded policy in NC to a first quote of 1500 here and I said no way. Got it down to 1100 but I know I can
get it cheaper elsewhere. But for a couple hundred bucks more, this is a fifth gen Quaker owned insurance agency and if I have a problem,
they will take better care of me than I could wish for. I was the neighboring Quaker owned agency to theirs in the next town North.
So sometimes it's the agent, not the price, assuming no crazy differences. Like a tractor dealer you come to really like, with the parts guy who always
has what you need, and yes, you pay a little more for that. I'll save money elsewhere.