As a former service member and disabled veteran, I have been a long time member of USAA. USAA isn't what it used to be. If you are a member, I strongly suggest you shop around because WE ARE being ripped off.  In July 2020, I was seeking to modify my homeowner's policy to make the cost more manageable to my budget. I was told that I could not make any changes because it was stuck in underwriting. While doing this, I shopped around and I found that other insurance companies offered similar products at a much lower cost (even before discounts). But, after finally getting my account unlocked, I made changes that I was able to live with so I could stay with USAA.


Fast forward, just 3 months later and I receive a statement for my new policy packet. The changes I made were effectively erased because the cost of my new policy is 300 dollars more a year- what a suprise! In order to keep the policy I would have to consider making additional changes, which would make my deductible ridiculously high... but guess what? my account is locked again.  As soon as I have coverage for my home with another company, USAA will be losing a long time customer. I strongly encourage others to do the same.


Hello, @Cancelling soon. Thank you for your membership and sharing your experience with us. This is very concerning to read, indeed. We definitely wouldn't want any member to feel this way. Please, bear with me as I engage the appropriate area for further review and support on this. ~ Steven 

USAA was never competitive for home owners insurance in our area.  However, they used to have the best auto insurance rates.  But that is no more.  The current crop of USAA's executive management is only interested in lining their pockets.  Google "USAA CEO compensation" and you will see why you rates increased every renewal.  Shop around.  USAA can be beaten on every product they offer.

My premiums went up 25% a year for the past three years on my home i just sold, thankfully, with the uncertain future, economy, politics, state shutdowns and the virus.  My new home is financed and insured by other companies.  Buyers beware.   Shop around.  I believe the fallout is being felt by USAA and will continue until the company folds or sells out.  I have been a member for 20 years and the past 3 to 5 years I have seen the worst decline in services and customer service of any form by any company, business, etc.  I had everything with USAA, I am slowly closing out or moving my accounts elsewhere.  Soon I will be one of the thousands leaving to better companies.

Hello @AFAMMO, it's difficult to learn of your disappointment. We aim to provide quality products and exceptional service to all of our members every time. I'm sharing your feedback for further review and consideration of future enhancements to our products and service. Thank you for your membership of 20 years and I hope that we can earn your business back in the future. -Paula