@namelus. Certain insurance companies are better than others. I have had USAA for over 30 years and have been mostly satisfied with USAA. I pay a little more in premiums, but they have never denied my claim. Due to it’s history and being member owned, USAA be a bit different.
I do agree that most insurance companies are pretty shoddy. I also think it is a case of “sometimes you get what you pay for” being very true with insurance.
I so agree with your last sentence about building.