We used to have both our auto and H/O policies with Allstate and never filed a claim. One day, we got a letter saying that they were quitting the H/O business in California in eight months, so we had to find another policy. When we did, we moved our auto as well, to get a bundle price. We told them why we were moving our auto policy, which they didn't seem to understand. They only quit the H/O business, so why would we want to move our auto policy? Duuuh.
About a year or so later, we started getting junk mail from Allstate touting their auto and H/O policies. We still live in CA and assume that the computers that address their junk mail could be programmed not to print address labels in states where they don't do business. But nooo... Double-duuuh.