OK, first of all, I noticed that all of them are direct writers, except one – Travelers.

Second, I seriously doubt all the policies are the same. Allstate tends to write a lot of policies with “functional replacement cost” instead of “replacement cost”. And likely, half have backup of sewers and drains, half don’t. Or maybe less than half.

Any of these companies is going to be “ok”. But here in Texas, Liberty Mutual has a LOT of complaints – higher than average, of SUSTAINED complaints, where the insurance department agreed with the customer.

I think you should go to a local, independent agent, and let them get you at least five additional quotes. Also, I’d let them explain which policies are better, and why.

Out of THESE choices, I’d go for Travelers, hands down. But again, here in TX, they do NOT write the policy with the best coverage, so MY homeowners is with State Farm.

Make sure to get all those quotes in writing to compare them. They all may be offering different coverages.

I would also try State Farm. They usually do not drop you after one claim. And, try to keep your auto insurance with the same company that carries your homeowners insurance to get the most discounts.