What did you end up doing? I'm looking for a good insurance company, and after reading this thread, I have doubts which one to choose to not face such issues.
I'm looking for unicorns, pink elephants, and honest politicians. There is no such thing as a "good" insurance company, especially if you ever have to make a claim. All of them are primarily interested in putting a vacuum cleaner into your billfold, and avoiding making more than a bare minimum payout if a claim is made.
Jerry