“ In NorCal also but with USAA 40+ years. Hardscaped around my home a decade ago, thinned the trees, no branches below 5 feet off the ground, keep the gutters clear, have a metal roof, fire-resistant vents, and my garage is detached.”
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Sounds like you’re being very proactive with wildfire risk mitigation. I’ve been with USAA over 50 years. Hang on to your policy/coverage. If you ever let it lapse you might not be able to get NEW USAA coverage in California… they are very strict on approving new coverage in California and being a longtime USAA member won’t mean you’ll be exempt from their screening criteria.
What are your thoughts on the latest civilian they made CEO?
Bought the property and built the home three decades ago. Moved from a SoCal home that we also built that was half the square footage of this one. When USAA quoted me the exact same amount for Homeowners with double the square footage, I questioned if there was a mistake. No mistake, they said. The reasons they listed were: metal roof, Trex deck, no fireplace, and detached garage far enough away from the home without a covered walkway. People need to understand what increases liability and plan accordingly.