I guess it depends on who knows what, but... We left the personal due to the significantly higher rates they wanted to charge us.
Went with another carrier for our house/cars and bought better coverage for about 30% less.
Unfortunately our current insurance co. doesn't do bikes so... I'm with a different company for that, but being "mature" those rates arent killer no matter who I call.
The Personal only gives good pricing as long as you're part of the group. Once you're no longer covered by their group policy, the price goes up, as it did for me when my company switched to someone else.