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The kicker is that I live in Louisville and came from a rural town, yet my (car) rates still dropped (didn’t own a home in Indiana).

Yeah – rates change per-state, driving habits, age, coverage levels (it's typically cheaper to get more insurance (to a point) rather than less), multi-vehicle/-policy discounts, and on and on

My rates were initially going to jump when we moved from Lexington "out to the country", until I called and they did a review – you really need to talk to folks vs merely making changes online 🙂

No one else offered 25% extra monetary compensation over the value of my home in their policy, which means if I’d lost the house (say, in a fire) the same year I bought it, I wouldn’t just barely pay off my loan, I’d actually be better off.

LM does that – it's based on "cost to rebuild" rather than assessed value 🙂

And that's merely the house – then there's the coverage for the "stuff", which is estimated at something like 60% the value of the house (on my policy, at least)

Not saying you should switch – but for me, LM has been equal-to or better-than the other providers out there 🙂