I’ve always just found all insurance companies terrible and self-serving and just learned to go with the cheapest possible. My ceiling collapsed in two differe

I’ve always just found all insurance companies terrible and self-serving and just learned to go with the cheapest possible. My ceiling collapsed in two different houses and both insurance companies called it an act of God and that they couldn’t help me. So I had to fix it myself. Many stories like this in my life. Insurance is largely legalized extortion money unless your house burns down or you total your car. For those type cases every company is the same in my opinion.