Hopefully others will have a company/companies to suggest.
Our experience (with multiple companies & agents) is that you have to read all insurance policy "declarations" very carefully, and then be clear & assertive (including threatening/actually moving your coverage) about what coverage you do or don't want.
We recently consolidated both cars (I know, insert face punch for 2 cars, apologies, at least we own them free & clear) to a single policy, and had a few back-and-forths thanks to sloppy work from our agent (they hadn't filled in the location where the car is garaged, so the insurer had quoted/charged the maximum coverage for anywhere in the country - there were a few other items too, all resolved now). If we hadn't bothered to ask & read the details, we would be overpaying for our coverage.
We have had some luck in finding local insurance cooperatives for homeowners & investor property policies, *but* what you gain in pricing and coverage, you may lose in billing accuracy (they are happy to fix errors, but you name it, it has happened - payment credited to wrong policy, double payment on auto-pay, no payment & late fee on auto-pay, double billing, no billing...).
Also, be aware that if you switch homeowners insurance companies, most are now doing at least drive-by inspections on new policies (especially if you are in a lower-cost neighborhood, based on our experience) and will likely send you a letter saying you have 60 days to fix x, y & z or they will cancel the policy. These are generally things that *could* be done, but that haven't really been things you think you *need* to do right away (patching the safe but cosmetically imperfect concrete front steps, for example).
*So* if you find a new insurer, and if your house isn't newly renovated or fully upper-middle-class-standards maintained, you may wish to not cancel your old insurance until you are 60 or 90 days into your new insurance. Just in case. You can often get a refund on the first policy (if you call in May and cancel as of March, for example).
This inspection practice seems to have become more common in the last 2 years (not sure if it's some new regulation, or just shift in industry practice). One property that changed ownership but that we continued to manage, using the same insurer but a new policy for the new owner, we had to limb a tree and replace part of the roof (which was worn but still weather proof).
