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Old 04-10-2010, 01:24 PM
 
51 posts, read 105,812 times
Reputation: 37

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I was going to suggest going with USAA. Even though it might be a little higher, I have found their customer service to be unbeatable.
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Old 04-10-2010, 02:05 PM
 
Location: Spring, TX
460 posts, read 2,180,309 times
Reputation: 382
Quote:
Originally Posted by Myztri View Post
I was going to suggest going with USAA. Even though it might be a little higher, I have found their customer service to be unbeatable.
I've had USAA insurance for almost 40 years: auto, home, life, personal property. I've never price shopped, and when I've been approached by an agent and I tell them I have USAA, they quickly run the other way (so I doubt they will be any more than anyone else). Don't forget that USAA also rebates to customers a nice sum each year based on their claims experience overall (or lack thereof). When I was in an e-commerce seminar some years ago, the IBM idiot leading the discussion tried to use insurance companies as bad examples of customer service. So she asked "who likes their insurance company". Of course I raised my hand. It so completely threw her off that she had trouble completing the example. I still laugh about that.
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Old 04-15-2010, 09:19 PM
l3m
 
Location: Northwest Houston
105 posts, read 263,311 times
Reputation: 80
Can you sign up with USAA even if you're not tied to the military?
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Old 04-15-2010, 09:28 PM
 
Location: Spring, TX
460 posts, read 2,180,309 times
Reputation: 382
Only through a parent I'm pretty sure. But you should call them. Their rules have changed over time.
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Old 04-16-2010, 10:04 AM
 
Location: Lafayette LA & Canyon Lake TX
73 posts, read 232,423 times
Reputation: 62
Even a step parent can be all the tie you need - my husband's stepfather sponsored both of us. USAA has been awesome to deal with.
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Old 04-24-2011, 07:28 PM
 
1 posts, read 880 times
Reputation: 10
[mod] not allowed [/mod]All carriers calculate trplacement cost slightly different, but as mentioned above, they are trying to calculate the cost to rebuild verses looking at market value. In addition to some of the costs mentioned above, most of the time you also need to consider demolition and debris removal. Also, in regrds to insurance at replacement cost; most carriers will allow you to insure at a higher level, or might have by endorsement an additional amount to rebuild if a total loss. [mod] not allowed [/mod]. Policies sold in Texas can be view by comparison at the Texas Department of Insurance's web site.[mod] no ads allowed [/mod]

Last edited by SouthernBelleInUtah; 04-24-2011 at 11:05 PM..
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Old 04-25-2011, 03:23 PM
 
38 posts, read 99,230 times
Reputation: 51
USAA provides good service, but you pay for it. The higher replacement assessment and deductible makes you take a bigger hit for most claims.
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Old 04-25-2011, 09:09 PM
 
Location: Westbury
3,283 posts, read 5,103,845 times
Reputation: 2931
i had usaa for everything forever. i now have a different insurance company and im saving an arm and a leg. well several hundred dollars a year. yes USAA customer service is great, but i am not calling them up when i am bored for a good chat. i am pretty low risk so i dont need super nice customer service every 5-7 years that would be worth the money i am saving now.

it is always in your best interest to price shop. and you can get usaa if YOU are non-military, but you have to have a qualifying family member.
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