We have SF also, but are going to be reviewing all of our policies in the next couple of months. Not because of anything they have/haven't done but because I want to know we're getting our money's worth. A friend of mine (and member here) had his house catch fire a couple of months ago. They have Farmers and they couldn't be happier with how they were treated, as well as what their policy provided. So, we're going to be giving Farmers a look.