Logan Martin Lake Topics: Boat Insurance (again)

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	Name:	Barneget -
	Subject:	Boat Insurance (again)
	Date:	2/2/2010 10:20:23 PM

We have 25 years with USAA, homes, vehicles, and vessels. I do a "health check" on personal and business insurance every 2 years. Every time, I can identify individual components that are priced higher than the competition, but in total, every time the total USAA package is less. The risk isn't limited to enlisted folks. Our 1986 Homeowners binder ink was still wet when my cooking resulted in a kitchen blaze. They promptly processed our claim. Multiple vehicle damage claims over the years, no injuries, some comprehensive, others collision / liability, and no issues. Estimates were reasonable, payment was prompt. Latest claim was from the April hail storm, USAA totalled the car, then sold it to me with a salvage title. Had 3 teen drivers on the policy, hitting deer, jumping curbs, failing to stop before they bump the car stopped at the yield sign (each had 1 incident at a yield sign), no issues, no cancellations. Hurricane Ivan caused extensive damage to in laws Perdido property. 6 feet of water, wind took the roof off the east side of the house. USAA had adjusters there 4 days after the storm (Sunday), check books out. Took us 9 months to rebuild, and with the exception of the deductibles, they were kept whole, no argument. They even gave them a extraordinarily high number for the sailboat. This year, our Homeowners went up $74, just under 3% and our Automobile dropped $410, a full 10%. I think some of us had our good driver rating reinstated. My frustration with USAA is in their offerings. No PWC or new boats (Bennington and jet skis with Progressive) no motorcycles (Dairyland), no lake place (it has wheels, but great hail storm experience with Foremost). For P+C, and Umbrella, I can't find anyone to beat USAA.