BROWNSTONE INSURANCE AGENCY VS. DISTINGUISHED PROGRAM

I have been reading the forum on this subject and it’s not easy to make a decision. Obviously there are companies like Chubb that everybody raves about, but they are very costly. Please give any experience on these 2 agencies as their insurance rates are similar. Brownstone now underwrites Everest Insurance Co. (A+ rated) and distinguished underwrites National Union Fire Insurance Co. (A rated)