I've got everything through Metlife after getting in a big pissing match with Allstate a couple years ago over my snowmobile coverage (they went full retard) and the rates are as good or better than anything else I can find. Their claims service is absolutely great, after my garage was broken into a month or so ago, they were very helpful with the claim handling and very understanding of my crazy travel schedule with work. They had a check to me inside of a week for the losses minus the deductible.