I have USAA. I know the insurance rates are higher than others. I have home, life and auto with USAA for 32 years, after trouble with State Farm. Family of 6 with 8 vehicles. Very expensive. But I knew USAA would be there to back me no matter what. When my kids moved out, I told them to compare and make their own decisions, because yes, you can get cheap insurance, but you get what you pay for.
I've never made a homeowner claim and I was sitting like you were asking myself how can I reduce my costs after the move. But when it happens and it will, just like a horrible car wreck, will the insurance company fight with me or try and kick me while I'm already down or will they say we are with you.
No I don't work for them and I don't know anybody that does. Over the years teen kids learning to drive in major city traffic.....tickets, wrecks, BS law suits from a bumper tap and all the passengers in the other car start throwing there heads around, screaming that they are gonna sue for neck injuries. USAA was there and never said we are gonna cancel you or we are not paying. They fought some, they paid some over the years, but never fought with me. Rates went up a little, then slowly down, as expected.
I guess it's like my life insurance policy. I could get a cheaper rate from another life insurance company. I hope it never happens, but if it does, I know USAA will pay out. After all, you want to pick a company capable of paying out if the big one hits. I think, based on their rating, that if a CAT5 actually hit the village and did devastation, USAA would be one of the two or three still solid and the only one not fighting against the homeowner, but with the homeowner. IMHO.
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