have insurance with allstate because it's cheaper rate. hail damaged the entire neighborhood, 20 houses on two separate days. every other house on my street got 2 new roofs a month before allstate quit dragging their feet and released funds to do mine once. i paid my nephew extra to make it a metal roof and made allstate give me a discount. pay for itself and last long after i'm dead. peace of mind until you have to jump through hoops to make them do what you paid for.