Y'all with USAA - how are you getting homeowners insurance from them? I've been with USAA for almost 50 years now and had car, life, long term care, and homeowner's with them. But when I moved to Texas, they told me I no longer can have homeowner's insurance with them because I have more than 10 acres. What are you finding the homeowner's criteria to be?
Oh boy ......you touched on a sore subject.
This 290 year old house has been in my family now for 88 years.
I owned two different houses in Minnesota, and one actually burned (1987).... USAA was truly great.
When my mother died in 1988, I took over this house with 11.7 acres, but USAA would not insure it...."too old".
5 years laterI tried again, and they decided that age was not the problem, but that it was in a hurricane zone (Cape Cod).
I tried to reason with them...WTF ....it had been standing here for only only 262 years already.....Nope!
I gave up, and began using Lloyd's of London.
Last year in a different discussion with a USAA agent, the subject of this house came up. (I exposed my USAA frustration!).
The end result was that I dropped Lloyd's. I had no problem with Lloyd's, but USAA coverage was better, for less money....and with a yearly dividend.
I have been a USAA member for almost 59 years.
Sometimes they frustrate me beyond belief, but I do keep going back.....mostly because of the dividends, and the excellent way they treated me with that major fire in 1987.
P.S. I was so frustrated with them,( long ago ) that when they asked how recently the electrical wiring had been done, I told them I did not know, but I did know that the electrician was a guy named.... Ben Franklin.
There is no knob & tube, with the oldest wiring being Romex type, from the 40's.