I've been a lifelong SF customer since I started driving. Never had them for a home policy, but they've been absolutely da boss on their auto & renters. I've only had 3 collisions in my life, all were the other driver's fault, and in 2 instances the other driver was also insured by SF. Never had an issue with them! I also cannot find another insurer that can even come close to SF's rates, especially when SF gives me discounts on multiple vehicles, married, over 25 / under 70, collision-free for more than 15 years now, etc. Thankful that they've been so good to me...