I am very frustrated with USAA. I want to get an Umbrella Policy. I have 3 cars and one home insured by USAA and I have been told that because my second home is not with USAA i cannot get a personal umbrella policy. My second home is in Florida and you did not even write insurance there until recently and your rates are so high you cannot compete with the company I have now. Your web site states I can get a umbrella policy if I have auto and home insurance with USAA. I have both. Yet you will not provide me with an umbrella policy. Frustrating.