I had to switch companies last fall because Allstate was being unreasonable with my house; my really good agent was powerless against their nonsense so I have nothing good to say about them. Unfortunately, USAA would not insure my mountain house either. State Farm not only insured my house but cut my premium in half. My auto rates are pretty good especially the multi car discount. I am not sure about claims; I've never had an auto claim against my insurance in 31 years of driving so I get every discount offered.