Hi Monk38903. There are a few factors that can determine the best way to write the policy when it comes to the policy holder, coverages, etc., and it's important we're providing you with accurate information. Our agents can answer all your questions and also provide a free quote for the home. Our agents are available Monday - Friday 6am - 10pm CT and Saturday 8am - 8pm CT and can be reached via phone at 800-531-8722 or our secured chat on http://usaa.com. Thank you for your membership and we're looking forward to speaking with you -Rachael
