I'm probably not the only USAA member who co-owns a home. Because we co-own with my parents, we jointly pay for home insurance from a shared account, but we separately pay for our separate personal and auto insurance.
With current USAA app and auto-pay, there is no ability to separately pay for those different kinds of insurance from different accounts, it's all together in one bill.
From the app you can't even necessarily see how much of the bill is Auto, and how much is Home insurance.
That would be a pretty quick improvement: just separately list the types of insurance and allow app users to select each one separately, or "select all," when making payments using the app.