usaa is the worst company I have ever dealt with and only the ingorant / people whom have never had to make a claim would make a comment such as "usaamember" did. shop around and guarenteed you will find ie: state farm homeowners $500 less per year then usaa and auto ins. for two vehicles for a year is $400 less. WOW! The only thing you get with usaa is them saying it's special insurance catered to military and miltary family members...THAT IS IT! WOOPEE! THEY SUCK! I am in the process of taking them to court. My lawyer has taken the case with no money up front and says that they are negligent and that we have a solid case against them. That is all I'm able to say at this time but trust me USAA in my opinion is very CROOK-ED! Do your homework with the rates...you'll see. Check out all the complaints to. There are thousands of them. Legitimate ones! This company should be ashamed of themselves! So should the THREE people that defend them.