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. ...
I will put in another plug for a personal/umbrella policy. You are really buying professional negotiators to limit a claim. After all, the insurance company does not really want to pay that first $1 to $2 million dollars. They have to give up that money, before you have to start paying.