I was outraged a few years ago with USAA. I purchased a new house and called them to set up the insurance and was shocked when the rate they quoted me was literally double what I thought it would be ($4500 vs $2500/yr). In frustration I wrote a letter to the president/chairman of USAA explaining how I felt USAA was letting me down with such an outrageous quote. I was blown away when a few weeks later I received a hand written appology in the mail from the president of USAA and was told I would be contacted by one of their VP's to see if they could make things right. A few days later I was indeed called by a VP of something, and she did what it took to keep my business. I have shopped around quite a bit for homeowners/auto insurance, and there are other companies who are cheaper then USAA, but I know I will have a much better experience dealing with USAA then I will with brand X if I ever have to make a claim. While USAA has changed over the years, I still believe they are the number one. Don't just take my word for it. Consumer reports recently published their rankings of insurance companies and USAA was tied for first place with Amica. Some of the other insurance companies mentioned in this thread were ranked in the middle and towards the bottom of the list. You may save money going with another company, but good luck when it comes time to make a claim with some of them. Another company that has not been mentioned, and it was not on the consumer reports list either is AARP. My parents house caught fire a few years ago and was about 50% burned down, and they said AARP was fantastic. The catch with them is you have to be I believe 50 or older to be a member. Anyways, I'm sticking with USAA.