replacement costs are up for one thing.

not defending the practice of premium creep, but this year is pretty defensible.

I was always told by others that USAA was a little higher but when the stuff hit the fan, they do it right. Hail totalled our roof a few years ago. Adjuster was there in ten days. I had the check in another ten. Really ticked my neighbors off. Had my roof completely replaced before their insurance companies even came by to look. Had same good experience with my car two years ago and my daughter did an uninsured motorist claim last year. USAA paid no arguments. Windstorm is another thing altogether.