We certainly appreciate your loyal membership of twenty-one years, @hoosier68. We certainly understand and empathize with our members who have these kinds of experiences with premium increases and so forth. As a consumer, we are all in that boat together. Furthermore, it's excellent to read that you were able to find yourself a solution which works best for your financial security at this time. Bear in mind that homeowners policies, unlike auto policies, differ in terms of their specific type of contract. USAA offers an all-perils homeowners contract which protects our members to the fullest extent possible and many competitors will offer a cheaper solution only because they name specific perils which are covered and exclude any others, unlike ours. Additionally, some introductory discounts are introduced by a lot of competitors which drop off after the first six months/one year policy period, depending on the company. Auto insurance is a little different and pretty straight-forward, in that it comes down to risk rating of a particular location, personal driving/claims history, and coverages chose, etc. We are always happy to review this info and all possible options with you again in the future to see what savings opportunities will be available. Thank you for sharing this with us and please let us know if we can be of any further assistance. :) ~ Steven
