Thanks for all your help!
Just to be clear, we've had USAA insurance for decades and have rarely had an an issue. The few times we've had a claim were were handled quickly and without a fight. Also, no increase in our rates as a result either.
I also occasionally compare their rates to others and they are always competitive. Before we moved to the villages was reading horror stories about how crazy expensive homeowner's insurance was but tested some properties before we moved. They didn't seem particularly high to me.
In this case, however, there's some kind of quirk in the way they treat golf carts so will likely look at an alternative but only for this. Can't imagine a case where we would switch providers for anything more.
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