State Farm is the worst. Years ago, they had us as having a fireplace, which we didn’t, to charge more. Then when we got a new vehicle, they put it on a kid to charge more. Evil, evil. Don’t do business with them. Of course, they’re pretty much all the same - $$$$$.
I wonder how much of that might be the fault of the local agent. My next door neighbor's house, insured with State Farm, was destroyed by a fire last year. From what my neighbor relayed to me they were pleased with how State Farm handled everything.
State Farm has been wonderful for me, and for us when my husband was alive. You may have had a bad local rep.