re: I'm considering getting home owners and auto insurance with State Farm.

A few things to remember, the insurance business is cyclical in terms of who offers the best bang for the buck, your agent can be a huge factor in how good or bad your interactions seem with the company, and today's heroes are tomorrow's zeroes in the insurance game.

Case in point, we had Geo Vera for wind and hail. They paid for a roof due to hail damage and were incredibly fair and reasonable about how that went I suspect they will go out of business if they haven't already due to their inability to properly pay out claims post-Ida.

We currently have all our policies with Farm Bureau. They offered us the best price for what we wanted and my agent is on top of everything, lets me know if he thinks there are ways I can save a little by changing deductibles, etc. The lack thereof is why we switched from other companies for both homeowners and car insurance. They were content to just keep taking our money without suggesting it might benefit us to alter a few things, in one case they actually neglected to suggest we recheck our flood certificate elevation because the maps changed as well as neglecting to list our home as our primary residence for flood insurance purposes. We had life insurance at FB already and the agent came back with much better quotes for us.

We have had State Farm, Shelter, Allstate, and Farm Bureau over the years (not in that order) for car and/or homes. For home, Shelter was very good and easy enough to deal with.

TO your original question, from my experience, State Farm was good to deal with regarding claims for car insurance.

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If you ever want a new roof via a hail damage claim you have virtually no chance. They are known in the roofing industry for this.

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Can confirm first hand. Had hail damage to the roof and multiple lifted shingles after a storm in April. Had some more this past month with the last storm. State Farm said they can repair (looks like a Dalmatian now with the non sun faded shingles) while my neighbors are currently getting new roofs.

Roofer and adjuster met. Roofer basically said the only chance you have is to get an attorney involved with State Farm. Otherwise my roof would have been a complete replacement.

I will be shopping around in the next month.

I'm just north of I-10 so we have State Farm for everything.

Two years ago...my home premium was $3100. Now it's $3650.

I'm having to put up a new roof myself this month just because I'm terrified SF will drop us if I make a claim and we'll be left with no options.

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Their business plan is to make things as difficult as possible until you give up.

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Thats not how they all are?

I have a really good friend that owns a roofing company in Louisiana, he said that hands down, the all time worst insurance company to deal with is State Farm, for both the home owner as well as him as the roofer. He will tell anyone that listens to never touch state farm with a 10 foot pole.

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This is true. USAA is high as a cat's back

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This is not my experience. I recently shopped home and auto for me and USAA was the 2nd cheapest behind All State (I will never use them based on my cousins advice who was an adjustor for them).

Also shopped auto for my son, 20, and USAA beat everyone including GEICO, the General, Progressive..

We have few claims over 20+ years, but they went above and beyond when we needed them.

Everyone's situation is different, so always best to shop around.

We've had both with State Farm for 43 years. Haven't had any exorbitant price increases on either the cars or the house. We are pleased with their service.

Guess you never heard of State Farm’s treatment of homeowners after Katrina. Horrific