Insurance is a game for a lot of companies. Reputable or otherwise (the General's ain't great) its all about how much they have been paying out lately vs profits. They will happily take your money for years but if they are faced with big payouts to cover disasters that WILL have a direct impact on your claim if it happens at a bad time for your company. Regardless of how good a customer you are or have been, they will try every method they can to get out of your claim. That being said, going with a reputable company and paying a touch more may be worth it in the long run. The trick is, from one year to the next, a company like StateFarm can go from reputable to its current ****hole status.
I fully support those who have stated StateFarm is crap. I WAS a StateFarm customer (cars/home/life/rec-toys) for 25+ years with a great record. When I made a claim in 2012, and not a big one, regarding a home accident (pet vs brand NEW 70'' 3D TV
)they denied it on a technicality. I pulled all my insurance from them shortly thereafter. Amazing how a 25+ year whole life policy, when pulled, cost them nearly 10 times the value of my claim.
When you shop, don't just shop prices, shop reputation and keep an eye on both over time. Being a long time loyal customer matters little now to many companies but there are some good ones out there. Good Luck