This has me hopping mad! I've been a USAA member for a LOT of years (40+) and always had my TT insured through them. Now they're out of the RV segment and have partnered with Progressive for that. ...
Homeowner policy usually is the best if you can use it. I did have tools stolen from my rental property storage. The rental property policy would not cover it, but my homeowner policy paid for it. Another thing lot of people don't realize - HO policy is the cheapest way to get $1 millions liability coverage - extending your auto policy.