Here’s free advice worth everything you paid for it
There are too many x-factors for someone else’s experience to be transferable to you. Experiences with carriers may be informative but when it counts - in a claim - the reality is, when you’ve seen one claim - you’ve seen ONE claim. The facts, details, jurisdictional differences, individuals in the process and a million more factors tell the story....
My $0.02 - get a broker you can trust to help evaluate your situation and recommend a carrier suited to your total needs.
Others will chime in. Just one guy’s opinion here. I’m in the Insurance industry and use a broker myself. It’s too damn complicated