Tell me about USAA insurance

USAA long term. have gotten nothing but excellent service and great info etc. when I call and ask things.

keeping them for life so far and will get my kiddo in also!

KeithAS wrote:

AJBert wrote:
I almost went with them until I found out how great their "customer service" was around 2004/2005. USAA cancelled home owners insurance for everyone in FL and along the Gulf Coast after the hurricanes did all the damage. Didn't matter if one's home was damaged or not, come renewal time...well, there was no renewal.

My daughter and SIL have been with them for a number of years and love them. I almost thought about calling them when we moved but remembered FL and the GC. I suppose if you live in a place that has almost zero chance of damage due to Mother Nature then they might be a good choice. I just know they left thousands of good folks high and dry with no notice.

Were the cancellations after they paid the claims? If they denied covered claims, then bad on them. If cancellations were after they paid claims, then they met their contractual obligations. I would expect that persons who build in flood prone areas or along the areas subject to wind (hurricane) damage, would be a greater financial risk to any insurance company. Insurance companies are businesses, like any other, and have to manage costs.

I remember the vast sums of money that were paid out during that time.

As far as I know, all claims were paid by USAA and other insurance companies with the exception of those who lost everything due to storm surge. All insurance companies claimed that storm surge was flooding. I don't quite agree with that but that is neither nor there.

I can tell you that Allstate didn't leave their customers as we lived in Gulfport, MS during Katrina. We did have a small increase after about a year in the wind damage area, as did everyone else who lived along the gulf coast. We had minor damage compared to other and Allstate even paid for lost food due to no power for two weeks.

I know other companies wouldn't renew policies but from what I recall, USAA was the largest of the insurers to back out. A number of smaller ones did but I can't think of another major insurer that did.

Being that they wouldn't renew left a LOT of service members scrambling for insurance with no heads up. I was in the Navy at the time and many of my shipmates were more than upset.

I now live in the mountains in CO very close to where the Hayman Fire came through a few years back and not terribly far from the Black Forest fire a couple of years ago. Just remembering what happened in FL and the Gulf Coast was enough for me to not even think about USAA. I never called just for them to tell me they wouldn't insure us due to we live in the middle of a forest.

USAA is great. We had a claim on our 5er because someone MAY have clipped a tree and damaged the roof of my camper.

USAA waived the deductible ($200) and combined the roof damage with the wind damage to my awning that I was not aware was covered.

USAA is the cheapest I have found.

We are also long time USAA users and we have all of our vehicles and our house insured with them and our children and grandchildren are also insured by them. We have had accidents and they have taken great care of us without any cancellation threats. If you qualify, call and talk to them. You won't be sorry.

USAA stands for United Services Automobile Association. One would think long time members would know that. Obviously some do not. Consumer Reports pretty consistently rate the USAA and Amica customer service as the two highest rated insurance companies in the US.
As before, I have been a member for 54 years. Have compared rates with others over many years and have never found auto insurance for me for less. Insurance on the motor home, yes. Less expensive than progressive which much to my dismay can be written by USAA personnel. USAA wavered the uninsured deductible, based on my insurance history/record recently when an uninsured motorist hit my truck. I will continue to stay with USAA.

No way in hail will we ever go back to them. Had everything bundled with them ~40 years w/o a claim. DW gets rear ended by uninsured driver we have to sue them for medical expenses. Following year I get t-boned by uninsured driver and have to sue them again for medical expenses. Should've learned by then... Couple years later they cancel our homeowner policy w/o warning or opportunity to "correct" the problems of tool shed having unpainted roof & walls (duh, it's galvenized) and no railing on stairs to attic (got to be kidding, the stairwell is 16-1/8" wide). Took daughter's advice, checked out AAA, same kind of all-policy bundling and we pay less for all of it than we paid to USAA for just the auto part.

Shot-N-Az wrote:
USAA sold its soul several years ago. It's nothing like the company it started out as. I'm a long time customer, but in my mind, they are just another insurance company today. For a new customer that isn't military, you can do just as well if not better elsewhere.

It's the way of things. I have a love/hate relationship with one of my credit unions (40+ years), behaving more and more like a bank.

AJBert wrote:
I almost went with them until I found out how great their "customer service" was around 2004/2005. USAA cancelled home owners insurance for everyone in FL and along the Gulf Coast after the hurricanes did all the damage. Didn't matter if one's home was damaged or not, come renewal time...well, there was no renewal.

My daughter and SIL have been with them for a number of years and love them. I almost thought about calling them when we moved but remembered FL and the GC. I suppose if you live in a place that has almost zero chance of damage due to Mother Nature then they might be a good choice. I just know they left thousands of good folks high and dry with no notice.

Were the cancellations after they paid the claims? If they denied covered claims, then bad on them. If cancellations were after they paid claims, then they met their contractual obligations. I would expect that persons who build in flood prone areas or along the areas subject to wind (hurricane) damage, would be a greater financial risk to any insurance company. Insurance companies are businesses, like any other, and have to manage costs.

I remember the vast sums of money that were paid out during that time.

Member of USAA since 1991... well, associate member because I got my membership from my parents who served.

I'd say they are on par with other insurance companies. Not any better; not any worse. I use them for house stuff. Auto, GEICO is a fraction of what USAA was charging, so I moved to them for my vehicles and travel trailer.

here is a question. do you actually know what USAA stands for? it is United States Automobile Association. i always thought that was interesting.

usaa doesn't insure, like aarp they contract the service and get a cut of the cost. they are good but not the best price out there.

and yes, i belong to usaa and i am a veteran but my insurance is elsewhere.