USAA is very well liked. One negative is that there homeowners policies did not haved a cost of construction increase on them. If you bought youe home 20 years ago and you had no inflation rider, than when you home burns down you are underinsured. Many people have low premiums because they are not fully insuring their homes.

A suggestion would be to schedule an appointment to make sure that your policies are current. Also do yourself a favor and and take digital pictures of everything you got. Put the memory chip in a safety deposit box or give it to a friend. If something happens it is easy for the adjuster to justify the payout.