We just dumped State Farm after 25 years. SOBs sent a notice they were amending our homeowners'policy so extremely the law required cancelling it and issuing another. They were gonna amend it to exclude damage from any animals, mold, frost, ice, water, trees, earthquakes, mudslides and a bunch of other stuff, and change our deductible from $1,000 to 0.5% of the total insured value. Then they increased the supposed value of our place from $275,000 to $365,000 so that makes the deductible $1,825. And we can't change that value without hiring an appraiser from their list and paying them. So we got Erie Insurance Group who I've had great dealings with in the past, and everyone I know who has Erie loves 'em. The guy at Erie says all the big national insurance companies are doing this 'cause they've been losing their butts in the states with all the earthquakes, fires, floods and stuff. Erie only does business in 3 states so they don't have to.