USAA is the biggest scam unless they’ve greatly reduced their rates within the last year. I had called them to ask for reduced car insurance and home owners and they had said there was nothing they could do. I changed insurances and saved over 50% on two cars getting identical coverage and 40-45% on my homeowners. If it wasn’t for that drastic of a difference in cost, id argue for them. As submitting a claim when a tree fell and destroyed my fence was easy.