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.

[Steven Anderson]

Contrary to what has been written, I use both State Farm and AmFam.  AmFam seems to have a better policy that covers my business AND the unit, where as State Farm was unable to provide that.  This being said, AmFam has lower end limit on this policy that some of my condo's do not meet so I did use State Farm.  

I think understanding the need and value for each is worth the time to look at each company.