We were in escrow on a house in December and were prepared to go with a policy from Travelers. I would have preferred AAA but they wouldn’t insure us because of the fire risk (next to brush).
We backed out of the escrow because of a leak issue. The roof was fixed and we closed on the house in February. However, Travelers changed their requirements January 1st and they would not insure us anymore.
We eventually went with Farmers, mostly because no one else would insure the house.