I researched generators thoroughly when I moved from the lake. I had a vintage Kohler/Wisconsin V4 there, which was marvellous.
So when I moved here I did a lot of research and inspected the lot. There is only one reliable choice, and that is Cummins. They bought out Onan years ago, but starting 2019, they designed excellent new engines from the ground up, and all made in America. All the others have pretty junk engines and they do blow up. Generac is probably the bottom of the heap. Kohler are fair, but they are known for burning out the valves and have seen that in their V-twins.
So Cummins is worth the slight premium.
There was no service contact here in Eagan, as the service was from White Bear Lake, but they have recently started a service contract for this side of the metro. I am negotiating now. First proposals were outrageous, but we are getting close now. Basically they want to service it far too often, like changing the battery every two years and other issues. I have done the service myself, and did this years service last week. It is four years old, and so I replaced the acid pour battery with an Optima glass mat battery. They last and last. I know the one I installed at the lake is still going strong after twenty years.
The problem is, I'm not getting younger and I don't know how long I will be able to grovel on the ground. With the engines at ground level you have to pump out the oil. That is not a big deal though. Luckily I have a very well resourced workshop from a lifetime of doing most of my own mechanical work.
