No problem with S.F. here...they were first in line to bump our shop rate this year. Every one else will follow soon(Allstate was second). I would not want home coverage from them...they were the very first to drop homeowners after the hurricanes here a few years back. Dropped a couple hundred thousand more coastal homes this year. Nationwide announced they are leaving home insurance in Fla. all together. We have a real problem comming in that respect.