We have USAA for both home and cars, and have been very happy. D is in escrow for a house and called USAA for a quote (she has her auto insurance there). They don’t cover her area. It’s Southern CA, not in a fire zone.
Looks like she’ll go with Amica. It was the best price compared to other companies, and has a “recommended” Consumer Reports rating. She also may move her car insurance to get the bundle discount.