I give USAA 5-stars.
USAA has always been there for me.
Most particularly and recently for my home's damaged roof/ceiling from wind damage. I was TDY when a storm hit. (I live alone.) I had no idea about the storm or its damage. Over a year went by before a significant rainfall exposed leakage in my ceiling. I contacted USAA after fellow Soldiers spoke of a severe storm in my neighborhood while I was TDY and was confirmed by my neighbors. Even though my insurance coverage fell outside the 1-year mark from the date of storm, USAA immediately sent an agent, allowed an additional 3-months to fix roof/ceiling and generously supported the work with $$. I was very impressed and humbled by the support USAA afforded me. Truly, with me, USAA went above and beyond. I'm very grateful.
Peter N. Weingarten
(recently retired May 2012)