I totally agree with everything that you have written.I agree. I've had both USAA and Allstate homeowners. It's a tossup as to which sucks more.
But I hate most insurance companies anyway. Regardless of who/what they're insuring they all wanna be in the business until it's time to pay up.
On a different insurance note... Has anyone had an instance of an insurance company over-riding a doctor's prescription? This recently happened to my wife. She had a 90 day RX for a medication. The insurance company told her they'd only fill it for a 30 day period per year as taking it daily was too much. It took over a month of her doctor arguing with them to get it filled the way the doctor prescribed it.