We have been with USAA for 20 yrs. and never a problem. We recently moved to Harris County, in Texas, and our homerowners insurance jumped $2ooo.oo. I have contacted 3 other carriers, with the same coverage, for $1600 to $2000 less then USAA! Their reason: we're a member owned company and we pay for each other.
Also, because of Harris County-the wind and storms! Have they ever been to Kansas? You can't describe the wind!
We will probably drop USAA homeowners and join ASI. They have an excellent rating and are the $2000 for the same coverage!
Their rates are going up, watch out!