@beastmodeYou are right, USAA does handle claims very well, my BIL was hit by someone insured by USAA and he was so impressed with how well they handled it, he was trying to figure out a way to have them for coverage.The rates will vary not only by your property and record, (at least with auto, I didn't sell HO), but also your status with USAA. For you example if you were/are an officer or senior NCO, junior enlisted, dependent, etc.... They have different companies which fall under the USAA umbrella and you are put in that company dependent on your status, which affects the risk pool, rates and dividend, according the their underwriters. I'll take my risks, their homeowners is so high and we saved more on auto with another company, also.I probably have a personal bias, because I absolutely hated that job, lol. 4951