[riverdawg]

"I love USAA, but surprised they won't insure coastal property."

One reason why USAA has such low premiums is that it is very careful about who and what it insures, even among its "affinity" group (active and former military, their current and former spouses, and their children). We have had USAA auto insurance for many years. When we bought our current house, we insured it with USAA - but the list of "rating" questions we had to answer was lengthy and comprehensive. Our answers to these questions determined not only our premium but also whether or not they would offer a policy to us at all.

[MeanWestTexan]

Yep.

I love USAA for that reason. My car insurance ($100K liability, $1000 deductible) is basically free --- and one of the cars is a Porsche 911.