I know we fall into a slightly different category with no towed vehicle. So, us (TC'ers) have standard insurance (we just list the TC as property - It's considered cargo in Florida) So, we're read...
I'm a long time USAA member and have never had an issue with coverage, claims, or cost. It really depends on your driving record, claim history, number of vehicles covered and types of vehicles. And like stated earlier, getting a human within a few seconds who can actually help is worth $100's to me!