USAA was once an excellent insurance company, but not anymore. They have increased my homeowners insurance by $400 in the last 2 years and when asked why, they gave no good reason, but coldly described that "More claims have been made in your area." After 15 years with USAA they continue to raise my rates although I have never made a claim. When I called to discuss the situation with them their representative was rude and hung up on me. A once friendly and customer oriented company is now overpriced and customer unfriendly.