We get some abuse/commentary/comments regarding our insurer - Nationwide. HOWEVER, I've yet to find ANYONE who has had a bad claims experience with them. Here are 3 I know of:
3 years ago we were hit by a small tornado in Kemah
. $24K + in damage. Check within 2 weeks.
their boat in Ike. They had a check for the full, insured amount (more than they had paid for the boat less then 6 months prior) within 8 days.
Friend had his boat primarily cosmetically damaged in a marina fire that destroyed 22 other boats (some minor stuctural damage at the bow). $64K in damage - most of which went to repainting the entire boat. He has been just plain DELIGHTED with how Nationwide responded.
We pay about $2800 per year for $275K in coverage. $1000 deductible, 5% for named storms. We are in hurricane