I have has the same local company (Erie) for 51 years. It’s changed hands once over those years and moved three times (1/4 mile) from my birth home. I’ve had a few minor claims that they have handled well.
Erie,
The one time I had to deal with them, was on the neighbors home-owners, their trampoline flew over a 8' fence,
hit my wifes car and landed on mine.
At first they said no we will not cover it, I said yes you will or the next time you will be talking to my lawyer.
They paid up, covered both cars, there was over $20K in damages.