I have New Jersey Manufacturers for homeowners. They're a bit picky when you sign up. They send an adjuster to inspect your property and will note things that must be repaired before they will issue a policy.
In my case a few minor repairs I probably should have done in the first place.
I've had to file several weather related claims and never waited more than 10 days for a check.
They also offer a replacement cost rider which I have used. A large branch fell on my 10 year old Weber. Value was $200 replacement was $900. I bought a new one sent them a copy of the receipt and was reimbursed the difference in less than a week.
If you can get the auto insurance there is a discount if you have both.
They're one of the only things I will miss about NJ when I finally leave.