Sorry for the off topic, but I could share a few stories, however the best one is, just got married and bought a house.
Had home and car ins with ___ (I don't remember). Had to change car ins due to rate hike. (For years, my parent's insurance record was used against me, same first name as Dad, oops our mistake, rates still jacked)
Got a quote for car and home with Allstate. Liked the car rate, not the house. They pressured us to add the house too. Only signed the car policy. Month later I get a notice from our lender that our insurance has lapsed and about the same day, get a bill for the annual premium for our house...from Allstate! Ooops
There's more. But fortunately we haven't had any losses or claims in a long time (knock on wood), so no recent experience getting the shaft from an insurance co.