This is such an interesting discussion!
I asked my wife an hour ago who we had our homeowners insurance with. She was NOT privy to my talk with C&Z. I never bothered to mention it.
She said, "Travelers". I asked her why. She said that DS and T (our local agents) placed us with them, as they are the "best".
She has them under standing orders to place us with the best insurance co's in the event of a claim. This is all news to me.
My vehicles are under "Farmers" Hers are not. Hers are under what is called, "National Penn" Since I do our banking and know how anal my wife is about that, I now see just how micro-managed our insurance situation is by her. e.g.- I had a snow-plow business, paid massive premiums, sold it, but get some sort of discount (still) because my troops didn't fuck anything up.
DS and T do know me by my first name when I call. They are a mountain range, tiny town, and a pain in my ass to get to these days. I often wondered why we stuck with them and they stuck with us, after we sold our business, and such. My wife is so very on this, lol I did not know.