We have AAA for our home, auto and umbrella…No home owner claims so far, but multiple auto claims in the past without issues. My rate should go up due to some parking accidents and hit and runs from others, but it didn’t with the latest renewal. Still expect a bill probably later. Their pricing is hit or miss and I left them a while back since they were charging a lot for auto a few years back.
Overall, pretty decent IMO.

Considering earthquake insurance now since a 20% deductible is better than 100% deductible.