Local insurance vs national (Allstate) for home owner coverage?

Here's my current coverage through Allstate:

Home purchase amount: $235k in 2020; $1217/month mortgage with PMI

Total Premium: $1445; Applied Discounts: $975

Dwelling Protection $443,410; Deductible: $1,000 All other perils; $4,434 Windstorm and Hail; $4,434 Tropical Cyclone

Other Structures Protection $44,341

Personal Property Protection $266,046

Family Liability Protection $300,000 each occurrence

Guest Medical Protection $1,000 each person

My roof is 15 years old, and it's had some issues. I've had multiple roofers advise that I leave Allstate for a local company as Allstate is a pain to agree to a roof replacement. The local one (supposedly) is great about actually replacing and covering damage. I've already had one issue with Allstate where they didn't agree that lightning caused damage to some appliances in my home (even though the appliances died within a few days after a lightning strike).

Here's the quote from the local company:

Total Premium: $1860; Applied Discounts: (Not listed)

Dwelling Protection $300,000; Deductible: $2,000 All other perils; $3000 Windstorm and Hail; $3000 Tropical Cyclone

Other Structures Protection $30,000

Personal Property Protection $150,000

Family Liability Protection $300,000 each occurrence

Guest Medical Protection $1,000 each person

So the local one is more expensive, higher deductible, and covers less. But they're recommended to be less of a hassle whereas the national company is known for being a pain the arse.