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Old 04-19-2014, 09:17 AM   #15
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I can only assume that if they insured RVs, it would affect the rates of everything they insure.

I've been with them for 33 years now. I have coverage on three autos through them...only one has full coverage though. When I factor in the subscriber account distribution I get each year, my auto insurance costs are less than $100/mo. If adding RV insurance to their business affects that, I won't be a fan of that decision.

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Old 04-19-2014, 12:43 PM   #16
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They won't insure my boat, either. They covered it through a third party, although I write the checks to USAA, Fwiw.

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Old 04-19-2014, 01:01 PM   #17
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RV insurance thru Good Sam's cost us less than half as much compared to Progressive. $488 vs $1100.

I've priced insurance thru USAA before and I was disappointed by their rates….for auto and homeowners insurance.
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Old 04-19-2014, 01:17 PM   #18
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For what it is worth, the USAA partnered Progressive policy I have on the RV has a lower premium than Progressive offers directly.

Questioning the reason USAA stopped covering RV's, I went shopping and could not beat the price.

I had the same question when insuring my boat, but Boat US beat USAA's price by a large amount.

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Old 04-19-2014, 01:30 PM   #19
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I've been with USAA for 45 years - but - since I hit the AARP age qualifier, USAA hasn't been able to come anywhere close to the rates offered through the Hartford. I've talked to a VP of USAA, and he told me they can't match their rates. Sad, because I'd go back in a minute. The Hartford has been excellent with low rates and fast claim settlement on losses.
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Old 04-19-2014, 02:36 PM   #20
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Originally Posted by Old Scout View Post
Ive been with USAA since the mid-70s, and during that time I have had a modest number of claims with absolutely flawless customer service--I wont change providers for any reason. Having said that, I have occasionally struggled with assessing the "relative" cost of USAA coverage Vs other companies. I am sure there are "cheaper" providers but you never know the value or true cost of your coverage until you have a claim--especially if it is a major claim, but by then its often too late.

My current RV coverage is actually with USAA--almost 13 years now. If we change rigs, I am told Progressive will underwrite the policy. Sorry for the diversion but I told USAA I would change providers if they ever tried to move me to Progressive. Like Costco and many other national brands-- I disagree with their politics. Accordingly, I wont do business with them; and yes, even if costs me more money to do so.
Over 50 years with USAA, This is my third RV that has been insured by USAA and I also understand that it is "grandfathered.'
I totally agree with the quality of service. 2 Rv claims, both for lightning strikes. Coverage on the house following Ivan was excellent, just what I expected, especially when compared to the horror stories my neighbors experienced with even major insurance companies. If they figured they could continue to profit in the RV market, USAA would still be there.

A portion of Florida homeowners insurance is now underwritten by the State. (Really dumb) This only covers those high risk homes which the Insurance market does not want to cover. $$$$- To keep their rates down, That risk is now shared by every home and vehicle owner in the state. It looks like about a 10+% surcharge applied to all my insurance. The insurance companies are not too happy with the State selling insurance, and have limited new business here. I believe Insurers are required to also provide Homeowner coverage in order to sell vehicle insurance in the state. ???
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Old 04-19-2014, 06:22 PM   #21
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USAA insures RVs and boats depending on their cost/value. I've had them insure some and not insure others for the reason noted.

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