In R/L i am a property insurance adjuster handling claims up to $450,000k, but prior to that, i worked for a company that did nothing but investigate and estimate damages and losses for 30+ insurance companys. We would do this for homes that had insd losses from fires, floods,hurricanes,tornados etc ). Of all the companys ive done this for, ( present employer included ) I have found USAA to be in the top 3 of companys that i would insure my home with. Good company.
If there half as good with their auto policys as they are with there homeowners policys, i'd say that they are a safe bet.
Fyi, look into them for insurance on your home when u and ( the future ) Mrs JunkyII decide to buy a house and squirt out the little ones.