I keep all my coins in electrum, since it's pretty secure and I have full control of my private keys unlike web wallets like coinbase and xapo.
Another good thing about electrum is that you don't have to download the whole blockchain, thus you save heaps of storage space.
Coinbase you don't have it due to insurance policy though. And they are also a exchange so completly different. If Coinbase is hacked they have a insurance policy that should cover it (does not cover if you made mistake and you are hacked, its more against them as a whole). So not really fair to compare the it with Electrum as so different.
I still really push for hardware wallets I think they are the future of holding coins safely.