I use All State.
Remember, another huge portion of the insurance is the cost to replace everything in the house. Add it up, buying everything NEW, and you’ll be surprised.
I never advocate cheaping out on insurance, if you ever needed it, you’ll be happy you sacraficed the few extra mighty tacos a month on good coverage.
I have been very happy with All State, although I haven’t made a HO claim. I have my house, car and bikes through them.