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Old 11-13-2009, 12:48 PM
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Default USAA Insurance OK with guns?

I know some insurance companies are not comfortable with gun collections. I'm considering switching my homeowners insurance to USAA; has anyone had any experience pro or con with them re large gun collections.. if I were to have such a collection I mean!
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Old 11-13-2009, 01:01 PM
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They are fine with me for the past 41 years.

Regards,

Tam 3
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Old 11-13-2009, 01:25 PM
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I've been with USAA my whole life. You won't find better pricing or better service.
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Old 11-13-2009, 03:50 PM
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I have had homeowners insurance and car insurance and boat insurance with USAA for over 40 years - can't beat 'em. The standard homeowners insurance includes a $ limit on firearms (which I don't recall at the moment). But for an additional premium you can obtain any limit you want, and you don't have to provide a list of the guns.
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Old 11-13-2009, 04:36 PM
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I have a question about USAA for anyone who might know - I tried emailing them, but wanted to check with customers.

When I got out in '85, USAA was only sold to officers, and I worked for a living

Now anyone in, or honorably discharged from, active service can get it, no matter their rank. But, if you want it after you're discharged, you have to pick it up within 2 years of your discharge date, and I couldn't have done that because it wasn't offered to me.

At least that's my understanding from the email reply I got from USAA. I'm not upset about it, but I wanted to check with you folks, as there is an unbelievable amount of knowledge on this forum.

Thanks in advance for any information you might have.
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Old 11-13-2009, 04:54 PM
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As of last month it's offered to all honorably discharged vets, even us old Reservists with no VA benefits. I joined last week but haven't investigated insurance yet.
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Old 11-13-2009, 05:41 PM
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Joined last week too using my US Ser.# as my ID. I knew sooner or later they would open enrollment. They figure 18 million more eligible for those honorably separated and another 17 million family members.They have about 8 million member now. Bye bye Nationwide!
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Old 11-13-2009, 06:02 PM
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I've been with USAA since 1977 and never had a problem.
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Old 11-13-2009, 10:04 PM
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They just sent out a notice on Nov. 5th that they changes the membership requirements.

"Who is eligible for USAA P&C Group membership?
Military Personnel

■All current members of the U.S. Armed Forces, active duty, Guard and Reserve, as well as those who retired or honorably separated in the past, regardless of dates or branch of service (Army, Air Force, Navy, Marine Corps and Coast Guard).
■Cadets, midshipmen, and officer or warrant officer candidates in government-sponsored programs leading to a commission.

Family Members

■Adult children, widow(er)s, and un-remarried former spouses of USAA members.
■Widow(er)s of officer and enlisted personnel who were killed in action while eligible.
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Old 11-14-2009, 12:37 AM
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Been with USAA since 1975 or 1976 I think, anyway, it's been awhile.

Got asked a similar question re USAA and Guns recently and went and checked my policy to answer the question regarding liability and self defence shooting. USAA specifically lists on my policy (Arizona) that use of deadly force to protect property or person shall NOT be used as an exclusion and shall not be excluded from the policy.

Also, they used to limit firearms to only $2,000.00 but the recent changes last year raised the limit to $10,000 each for both firearms and jewelry. I used to carry riders for additional coverage but don't any longer. I think the jewelry limit is only for theft though.

Great Company, not only treats their customers right but is also listed as one of the top 5 companies in the US to work for so they treat their employees right also, and it shows in their customer service !

They are a non-profit company, they return profits to the members every year and then lower the rates for the next year (seems like, anyway). Think of the difference between your typical, Nationwide big business bank and your local credit union. Now, move that same comparison to USAA and almost any other insurance company.

Dan R
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Old 11-14-2009, 04:45 AM
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I would not hesitate to recommend USAA to anyone who has military service. I also recently received an e-mail that they are now offering "accident forgiveness" for a modest fee. Great company, customer service, and rates. -Ed.
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