Last year USAA increased by home insurance premium by 25% from $4000 to $5000. I had been a member of USAA for over 25 years. Obviously loyalty means nothing to USAA. This increase was enough to consider moving away and it came with a surprise.
If you decide to leave USAA insurance the balance of your “Subscriber Savings Account” is returned to you after 6 months. If you have been with them for as long as I have, 25+ years, that could be a significant chunk of change. In my case it is paying for a family trip to Italy with money to spare. (If we can ever get past this virus!)
If you are considering moving and getting much better rates, call them and ask what your balance is. It might help you make a decision. USAA may be competitive in other areas and their service has always been outstanding but it is not worth that much. Many people in the Clear Lake area has dumped USAA because their premiums are just so out of touch with the industry. It seems like all they want to cover is the areas that are safe. BTW. I moved from USAA last year. Saved $3000 a year with the SAME coverage. Moved my home insurance and auto insurance. GEICO was actually much cheaper. They will have to find someone else to donate to pay for their 18% bonuses to their employees.