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Who should people use instead? I switched to USAA because of their good reputation after bad experiences.

I’ve heard good things about Farmers and USAA. Never anything positive about another.

I use State Farm for insurance. They’ve have similar issues, but are also about to pay out their largest dividend of $5B to auto policy holders as a mutual company (owned by their policyholders) due to underwriting performance.

For mortgages, I can recommend Digital Federal Credit Union (DCU), now merged with First Tech. They held the note and the servicing.

https://sfdividend.com/

https://www.firsttechfed.com/merger

State Farm is slightly more expensive than others.

From a policy standpoint, this works out really well for them as the bottom feeders aren't their customers, so they have fewer claims.

Same, and the couple of times I had to use them for car insurance (and once for renters) over 20 years, they've been great. Thankfully, I haven't had to use them for home insurance yet.

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