I've never had issues with them in almost 20 years now. Had a few vehicle total losses, they paid absolute top dollar. Had a home claim once and it went great. I've reached out to other home insurance companies for quotes, and they are never close to USAA's price. Just saying what I pay for auto insurance to coworkers or friends gets a gasp from them in disbelief.
There is value in a situation like getting in a wreck, immediately calling USAA, and they literally take care of everything. A tow truck is on its way, a rental car has been reserved (it's literally like another $1/mo. to have a truck or large suv category.. a no brainer), and they find a shop near my home or work to have the work done. I get a direct number to my dedicated claims person and have direct email communication through my usaa portal. In my experience, my rate has never gone up, even with a pair of total losses and several other smaller repairs.
deadbq03 said:
I just bought a house. USAA quote was $3200. Amica quote was $1700. The big reason? USAA's minimum coverages are stupid. They wanted coverage well above the value of the home. They also required something in the neighborhood of like half the home value for personal property coverage.... as if I use a Porsche for my coffee table or something. It's madness.
Meanwhile, Amica actually sent a real person to inspect and appraise my home and meet my dog to determine he's not a viscous killer. They actually lowered coverage amounts based on what the inspector saw, but even their initial amounts were a huge savings. Auto for me was 10-20% higher with USAA. Can't remember exactly because I stopped paying attention after the home quote.
Regarding the 'rebuild' cost of your home.. I had a good conversation with my agent about this, because I too was curious why it was more than I thought it should have been. The answer is clear; if your house is totaled, it's a good chance it was from a natural disaster. In other words, outside of your house catching on fire, if your house is totaled or needs major repairs, it is likely many other houses in your do as well. You know what that does? It raises the cost to rebuild the house. Labor and materials both spike in times like this.
I pay $1300 a year for home insurance; 4000 sf home valued at $500k.