State has an active department of insurance and laws that make the insurance companies pay what they contract for.

In property insurance there is two marketing models in the U.S.

1. Dump a ton of money into advertising and reject/underpay most claims. These companies expect to lose customers when they file a claim. By the time they lose them they will have collected years of premiums on average. This is all of the larger companies.

2. Don’t advertise much and pay out fairly on claims. Rely on word of mouth and happy customers for long term sustainable growth. These are becoming more rare as larger companies buy out smaller ones and convert them to method 1.