I'm with State Farm for my cars & truck.
I had Nationwide for my bike and after my bike was totaled they gave me the advise to let the other company handle everything.... WRONG!
Now I re-submitted the claim and Nationwide is sure trying to save them self's some money....
As for the addition of extras MAKE darn sure you save receipts and document EVERY THING... (It's hard to keep receipts over many years..)
The best bottom line information given here is HAVE A LOCAL REP that you know.