We just changed from ARK Royal after our first year to AAA. The AAA house insurance was less and included the sinkhole PLUS coverage with no additional inspection. The auto insurance was slightly higher. We now have better coverage then before. Also, when we purchased the insurance last year the agent mentioned that ARK was not rated by one of the insurance rating agencies, since we did not have time to shop, we went with them, but I prefer rated insurers. I saw one of the prior posts mentioned an excellent rating, so I guess the rating issue has changed.
Hope this helps.
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Pennsylvania, for 60+ years, most recently, Allentown, now TV. 
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