I have been a USAA member since 1966... that said...
well, as you know (or at least 5 or 6 yrs ago) all USAA carried was the
equivalent of apartment renter's insurance or perhaps an auto style policy with
contents being a portion of your homes contents covaerage - about 10%.
anyway, in 1998, we got caught in a hail storm one night at the Whittington
Center on the way back to Houston. the hail was about fist sized and it trashed
both of the vintage vent covers (21 yr old ) -- they shattered like glass.
plus lots of dents. got into Sims in Lubbock and they replaced the vent covers
and we pulled it on home here in Houston. USAA came by and looked at the dents
and called it a total loss (we had just bought this pampered baby of an IBM exec
on that trip at SLO, Kalifornia for 6300$ because it had been tricked out with
all the Excella goodies, it was immaculate with new carpet, etc.
So I got ahold of Sims' chief mechanic and their sales boss (I did this before
leaving for Houston and gave them a heads up just in case this were to happen)
and they both sent a statement of value on letterhead , etc... anyway, USAA
eventually gave me some 4 figures for repair and we called it even.
Since then, I have been getting for real insurance from Progressive. ie,
genuine RV coverage since I still do not know that USAA carries such insurance
policies to this day. besides, a neighbor down teh street is the senior writing
agent for 90% of all motorcycles here in Harris Co. makes it convenient.
thanks for the reminder, I need to take him over to the yard to give me policy
inspection tomorrow before I leave for Lubbock for repair work at Sims.
hope this helps
cheers
chas