I don't know why your sorry, USAA knows exactly what they are doing, not only with vehicle insurance but homeowners insurance as well. More about profit, it all boils down to MONEY. It's pretty sad when USAA is suppose to be about military members, but we can go elsewhere and get better coverage for far less premiums.
For your water craft, join Boat US (around $10/year) and purchase the insurance thru them. It will be significantly less than what you are paying now. It was for me and I had the same company as you do.
What you are experiencing is USAA under Stuart Parker's leadership. I left USAA after 40 years for a substantial savings and way better customer service. Although it appears that employees of USAA are reading all of the negative posts, it appears to have no impact. USAA is NOT the company they once were.