I was with state farm for several years, guns was always an issue with me, they wanted nearly what my annual household premium was for the additional rider..so I usually bought elsewhere, wives likes state farm. I placed a claim once with state farm, water heater went kaput while I was out of town. they paid grudgingly and I had to negotiate to get the carpets replaced,, second time I made a claim after Dallas had MILLIONS in damages from HUGE hail storms,,they paid, then CANCELD ME with no notice, I was 2 weeks with out insurance with out knowledge, thank God nothing happend,,but, 2 weeks no coverage, someone could have fallen on my property, house could have burned down etc...
fuck state farm
with my new place, I went with Farmers, as I am a tad more RURAL,,they didnt blink, , I asked for riders, 10k for guns,
got them with no questions asked and I pay about $100 a month, full replacement cost on all, house and contents,,FULL REPLACMENT COST coverage.6 yr old flat screen gets stolen I get he price of a new flat screen..
I told state farm to go pound sand years ago and would advise others to shop if they are with them...just my 2cnts..