Getting insurance quotes- never dealt with a local company

[Ben H.]

Good morning. I'm in the process of shopping insurance for my SFRs. In the past I've always had a big dog company (in this case USAA) underwrite the policy. However I got a competitive quote from a local company...and when I say local I mean a company that does its own underwriting, they are not agents for a big firm. This company has been around for many years so either they are good and are keeping their clients or they are bad and have a lot of new clients. Is there a need to vet this company any further? Please note this is not some spidey-sense that has me worried. I've just never dealt with this company before. Thanks in advance, Ben