This is sad, especially with how much some people pay for home insurance in some places. I had a previous post where I looked into State Farm, and they were a mutual insurance company, where they’re owned by policy holders and not publicly held. I posited that the OCGFC got control of the board, was siphoning off as much money as possible through advertising… and possibly looking to break them or make them publicly traded. Consequently, this would seem to point to them not having the money to cover policies, yet the advertising keeps rolling. I wouldn’t use them in this current state of affairs.