StateFarm or American Family

[Ram Su]

Hi, I am in the process of getting a home insurance. I got quotes from AMFAM - for a H05 Gold Elite policy and one from State Farm.  With AMFAM the inital rates are $200 less than state farm - but they have a welcome discount now and I guess I would lose it next year and the rates would go high.  State farm says their price would not change much year after year like AMFAM.  Also Statefarm agent says its a BroadForm Insurance and covers every stupid thing. Not sure which way to go.  From a policy perspective is an AMFAM H05 better than the State Farm BroadForm .  or is State Farm better? Any guidance would be helpful.