Our house went for two years without homeowner's insurance, despite having paid it through escrow, because when the finance company paid the bill they sent a lump sum for several houses and ours wasn't credited. Twice. Luckily we had no claims, and because of it, I made the insurance company pay me back those two years. After that I changed companies and went with a guy down the street. I told him if anything fishy seemed to show up on our bill any year he was to let me know.

Except for the fact that it's Allstate, with not-so-great customer service and high prices these days, it has been fine.

SRS