Farm Bureau is the one company I run into most in farming country.  I've had my home insured by them and found the cost lower and the service better than any other company I've investigated. Farmers Insurance Group of Companies Madison Mutual Insurance Company Metropolitan Life Insurance Company Sentry Insurance Compare leading lenders for  refinancing, home buying,  and equity loans and apply online. Be it ever so humble, your home needs insurance protection 24 hours a day, 7 days per week.  In the aftermath of the Oklahoma tornado of May 3rd. I talked with hundreds of people whose homes had literally vanished.  Many had not had any insurance at all, Others had inadequate coverage, and even those with hefty policies from big name companies didn't have enough to belay that overwhelming crunch of personal loss.  One thing each and every one of them was most upset over losing was those personal effects, the mementos of past lives which were irreplaceable, especially photos, wills, documents. diaries.   So, when you think of home insurance, think about protecting the irreplaceable too, and do it. With more than 1,100 homes already destroyed, California Insurance Commissioner Steve Poizner estimated that total damages would exceed "hundreds of millions of dollars," making the October wildfires some of the costliest in California history.  Will your rates go up after a catastrophe in your area?  More than likely.  But here is the good news, some companies will go up far less than others.  If your rate hike soars suddenly, that is your cue to begin making comparisons with other companies.