I am thinking about changing my car, homeowner, and rental property insurance. I now have state farm and have been with them for 30 years. the problem is they raise my home value every year and with that the deductible increases because it is 1% of the value. they no longer cover any mold problems. I talked to other companies and they said they would cover mold if it was tied to a covered incident, such as a broken water pipe. I checked with farm bureau insurance and they have some pretty good policies and prices, but I don't know about the company. I was wondering if anyone here has any recommendations and experiences with their insurance companies that they would talk about. companies to stay away from, companies to sign with, good experiences, bad experiences. I looked at usaa but I am not military.