Not exactly on point, but related. Most insurance polices are written by a company called ISO. The policies, generally, are identical. There are some quirks out there, State Farm has some household exclusion language that isn't as common as other policies are. (All companies can amend, add, write their own policy language as long as it comports with the state law).

In my mind- what you pay for insurance is about 25% of the equation. It is how a claim will be handled that is important, IMO. Paying your premiums for 50 years is kind of a one way street. Never making a claim has nothing to do with how good a company is. How your claim will be handled, paid, etc., THAT is meaningful.

For instance, Pom...let's say you find a discount company, and you pay next to nothing each year. That is great. But, if this same company treats its policy holders poorly, and makes you fight for each claim or dollar paid on a claim..well, you aren't really getting anything at all for that small premium.

Having said all that, I think Prog is a decent company. I would put a few way up on top- Amica Mutual being the top choice...but prolly more expensive than others, too.