Recent experience of the excellent service from NFU was a neighbours house damaged by a lorry with about 4 cubic feet of wall torn out of a corner just below the roof line.
The building was repaired and the whole wall repainted to match the paint on the repaired area. The work was completed in less than week from the impact.
NFU are a bit more expensive but the cover, no quibble processing and rapid help and advice removes all the stress and worry when dealing with an incident or loss.
There are other companies as good as NFU but in all case you get what you pay for ( or rather you do not get what you do not pay for )
I would agree with Bernard as the old saying goes "you get what you pay for"