You Asked We Answered: Guaranteed Renewal Endorsement


It is our hope in community, to be a knowledge base where our membership comes when they need clarification, have questions on military life topics or if they have a question or a concern regarding a service USAA provides. Each month, in our “You Asked We Answered” series, we look at the trending topics driven by your questions and comments.


I asked Terri Pearce, a USAA underwriting and policy specialist, to address some of the concerns raised by you all in community. I hope this adds some clarity and detail to the GRE questions and concerns:


Terri: I wanted to start by telling you all that we understand this might catch members off guard and give the impression we are not committed to them, but this is far from that. USAA intends to renew as many members as possible. To manage financial strength, USAA may non-renew more members once GRE is removed. Even with the removal of GRE, 99% of policies will continue to be renewed. In some cases, the GRE prevented USAA from taking underwriting action for risks in which USAA is not able to price adequately.



JP56: … What does this mean?  Assuming, USAA can just decide to discontinue my insurance coverage for any or no reason.  BTW, I have the lowest premium due to no accidents or infractions.  My parents were USAA members (active duty WW2 and Korea), and I have been a USAA member giving them ALL my insurance business since 1974.  My grown children are USAA members and have all their insurance with them…”


Terri: It is an honor to serve your family. We value our members, and we want to continue to have life-long relationships with members and their families. USAA made the decision to no longer offer the Guaranteed Renewal endorsement in the majority of states. All members in these states will no longer carry the endorsement on their auto policy. This decision was not done lightly and was done after much careful consideration and review. Ultimately, the decision was made to remove the endorsement so that USAA could remain competitive in the marketplace for all members. Our mission is to facilitate the financial security of our members, and we strive to do that by offering competitively priced and relevant products.


JOJO BECKI have been a customer for almost 10 years and have never had a wreck in my adult life until this year. I had two small bumper at fault accidents in the past 9 months, one under accident forgiveness. … I thought USAA would have my back by being honest and doing the right thing but now I'm disappointed and don't know what to expect. I picked a bad year to have a bad year…”

Terri: Thank you for your 10-year membership with USAA. Unfortunately, the Guaranteed Renewal endorsement did not allow the flexibility that is needed in order for USAA to remain competitive in the marketplace for all members. USAA will continue to renew 99% of all auto policies. We want members to be satisfied with their claims so I would encourage you to reach out to your adjuster for any questions that you might have.


Malthus: “…I have been a customer for nearly 30 years, and have had few claims, probably two fender benders, over that time. My father, mother, and wife are also members…This letter, sent with no explanation, is disrespectful and the complete opposite of how I have experienced, the up-to-now, fantastic customer service and support from USAA.”


Terri: Thank you for you and your family's long tenure with USAA. At USAA, our commitment to our members today is the same as when our great company was founded in 1922. The decision to remove the Guaranteed Renewal endorsement from the majority of states was a difficult decision, and it was not made lightly.  Like I mentioned to JOJOBECK above, USAA will continue to renew 99% of all auto policies and is not looking to cancel member’s policies. We want to continue to be able to offer you and all our members that fantastic customer service and support that you have rightly grown to expect for many years to come.


Akflyer: “I got mine in the mail last week. Not even sure what this endorsement is anyway. Odd thing is though, this decision that the Guaranteed Renewal Endorsement is no longer available for my location, doesn't apply to 3 of my neighbors….”


Terri: USAA made the decision to no longer offer the Guaranteed Renewal endorsement in the majority of states. All members in these states will no longer carry the endorsement on their auto policy. The removal of the endorsement does not mean that USAA is any less committed to members or providing world-class service.


We appreciate all the comments and engagement in community and we strive to provide transparent and informative answers to your questions and concerns.


If you have additional questions, please let us know in the comments and we will get the answer.



About the Blogger: Briana Hartzell is a Navy spouse, mother to two beautiful girls (4 years and 1 year), a former full time USAA employee and a graduate of Texas A&M University. Briana writes at Being Briana, a blog focused on the joys that military life and parenthood can bring.


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New Member

I  been a USAA member for nearly 9 years  and I'm still asking my self : IS THIS A JOKE USAA? I had 2 claims last year. the 1st one i was rear ended and the 2nd one my house was caught on fire with my 2 cars in it. So I cannot believe that my family would possibly drop for some accident we couldnt prevent, negligence of other drivers and on top of that we were not at fault. And what  does GRE is no longer available in my location means ? when the whole country is receiving this letter.That is really a shame USAA. And to protect my  family financial security I have to find my self searching for other insurance and investment company because you forced me to USAA.


Briana Hartzell USAA

Dear @papy616First, thank you for your nine years of USAA membership and for taking the time to comment. I want to reiterate that USAA’s intent is not to cancel members, and we will continue to renew 99% of all auto policies. USAA felt it was in the best interest of all members to no longer offer a renewal guarantee in order to ensure that we are able to offer fair and adequate premiums for all members. USAA is a compliant company and follows the laws and regulations for all locations where we write insurance.  The discontinuance of this automobile endorsement in no way changes our commitment to our members and their families. We want to continue to be there for members for years to come and work tirelessly in this pursuit.
*Edited to provide additional detail

Occasional Visitor

Which states have been canceled for the GRE ?

Which states have not been canceled ?

Have any individual USAA insured members been canceled of the GRE irregardless of state ?

I am Daniel J. XXXXXX, member for 60 plus years, ( member # [removed sensitive data])

Have I been canceled for the GRE?

USAA Social Service
USAA Service
USAA Service

Thank you Daniel for your 60 year membership.  It is truly valued and we appreciate you trusting USAA with your insurance needs.  We would like to review your policy by sending us a Private Message. To send a private message, please select your profile name at the top right of the screen and select "My Settings". From there at the top of your screen go to "Private Messenger" and "Turn on Private Messages". After this you can select your name again from the top right of the screen and select the envelope icon to view and send your own private messages. ~ MQ


I do not remember getting any notice about the change to your guaranteed renewal policy. Perhaps you might let me know what areas no longer have this guaranty. Thanks.

USAA Social Service
USAA Service
USAA Service

Hi @Cutter1, I certainly understand your concern about the Guaranteed Renewal Endorsement (GRE) and certainly appreciate this opportunity to explain that all policyholders who had GRE on their auto policies are being affected by this change. Members issuing new auto policies are not being offered GRE, and members renewing in these locations will no longer carry the endorsement on their policies.


Therefore, members like yourself will receive the GRE removal notice with the renewal after the location effective date. Therefore, I recommend to review your latest renewal packet to confirm if you received either a letter or notification. For your convenience,  you can locate your documents by selecting My Tools > Documents and Forms > View Documents. 


I hope this information has been helpful and appreciate you choosing USAA for your insurance needs. If you have any additional questions, please let me know. Thanks! ~ Stacy