You should consider bundling. I've seen discounts of $400 off the auto and $200 off the home.

Umbrella your auto policy needs to be at least 250/500.

Make sure your liability is at least 500k and you have a decent amount of sewer/water backup coverage.

Get service line endorsement as well.

They have identity theft coverage of 25k and it's $9 a year.

All in all a great product.

I'm an insurance agent in NJ. I try to put EVERYONE I quote with selective if I can.

They have some of the best programs and discounts if being quoted properly.

Make sure you ask for the selective edge endorsement.

Pay their claims quickly and customer service when you call in is great. You shouldn't normally wait longer then 5 minutes.