I shopped around everywhere last year when I bought my (personal) house. I have all my insurance including rental property through State Farm but thought it was a little high on my new house. Liberty Mutual was ~$800 cheaper than State Farm so I went with them. Several companies were not taking new customers for homes at all or not taking new customers for homes only. I've never made a claim on any house so I don't know how Liberty Mutual will handle the claim compared to State Farm, but for $800 per year, I'll risk it the first time at least.