The Hartford (AARP sponsored) is who we’ve had for years, home and autos.

Maybe multiple reasons we get a break? Age, no accident or ticket history, zip code, FICO score, very low mileage, time with the company, etc.

I recently explored Liberty Mutual. Their coverage and cost was about equal. Our house coverage would have been $400 less, but earthquake deductible would have went from 10% to 20%.

Decided to stay with The Hartford. Lazy I guess... shruggy

Then again the few times we’ve had claims (hail) they’ve been nicely responsive.