I bought a house in '02 in a historic district in Florida and USAA wouldn't touch it for homeowners. They've been great for auto and banking though. Progressive is cheaper on the motorcycle. Always shop around.

State Farm actually has an article on their home page about florida property coverage and the change in regulations. Both are solid companies and actually seem to care about being able to cover ALL their obligations. I'm sure you can get property insurance anywhere in Florida, but if half the state gets hit, I'm sure it will be a while before you get your settlement if at all.

Actually, not quite true in this case.

I believe USAA was formed back in the day when service people could not obtain life insurance. They are not really a for-profit business, they are a member association. That's why they send me a check when they have money left over at the end of the year. They should operate to please the members...whatever we want that to mean.

Hmmm. Maybe I should do something with that proxy material they send us every year

moved to Denver and found I could save a lot more with Nationwide insurance through my builder, they bundled home and auto, so I switched from USAA. USAA even asked me if they could lower my rates to keep me and I told them if they wanted to keep me, they shouldn't wait until I leave to offer lower rates.

I'm still getting decent, not great, rates on car insurance in CA. The service part of USAA seems to be unchanged (been with them 35 years), but the prices are not nearly as competitive as the old days.

Shopped around and got my home insurance with Armed Forces Insurance, another company catering to military. Excellent rates and great sevice.

I moved to Syracuse recently and found USAA wanted double what Geico and Progressive charged for the same auto coverage levels. So, like Albie, I never really questioned their rates in the past b/c if it was close, you'd rather stay w/ someone you trusted. After several phone calls back and forth to Geico and USAA to try to figure out how there could be a discrepancy like this, I switched and just got a sorry about that.

I'm also tired of being offered life insurance at competitive rates every time I call, even for banking or credit card related calls...

Interesting...so it wasn't just me, and it wasn't just Florida.

Too bad...it was great while it lasted.

That is one I've been experiencing for years. I'll call and ask for loan rates. Their's always suck, I'll ask if they can lower them. They say no. Then I'll say I was quoted x.x% from somewhere else and they'll say oh, well we can match that. What the hell sense does that make?

I'll have to check rates on insurance, I've also been operating under assumptions.

When I recently bought my car I was offered 4.9 by the dealer. When I called to insure the car they asked if I had checked with banking. So I called them and they quoted the 5.24% new car loan. I told them that I was disappointed they could not at least match the dealer. Btw - Navy Federal gave me the same quote as USAA. Those two have always been the best interest rates in the past.

USMCFLYR

Each state has their own State Insurance commission/department. They set policy and state legislatures make state law that governs the rules insurance companies must follow to offer insurance in their state. Guess what, states determine what rates insurance companies can raise and when. Example: States often allows insurance companies to raise rates a maximum of XX% after a certain set of triggers are met. Be it auto/homeowners, etc. So when you move from one state to the next, you fall under new laws that USAA/State Farm etc must follow. The individual company chooses how to apply the min/max of the laws. i.e. Insurance companies may make it policy to charge max allowed by law. USAA in my experience would raise rates the max allowed by my current state law. When you move, that is the determing factor. Not your old state laws. Common sense for USAA would be to look at old rate, look at new state law and try to keep you close or lower to keep business. Maybe at one time they followed that business policy since we are a member company (not a pure for profit company) More like a credit union concept. Any way, MS allowed and controls what insurance companies can charge and offer in MS. USAA then works between the lines. Hope this helps. Here is the MS link for your situation, check the laws/policies section.
Mississippi Insurance Department