Usaa has its issues, when I lived in Colorado their auto insurance was one of the most expensive. When I canceled they sent me a refund check, I tried to cash it at the USAA branch and they said they couldn’t cash the check because I didn’t have an account and it’s they only cash account holders checks because checks bounce... (hello it’s your check) but other than than they have been good. Their claims process for both homes and autos is much more user friendly than other companies.