All of our stuff is with USAA. USAA does not insure MH/BOATS/MC, basically recreational toys anymore. They send you to "Progressive for USAA Members" which I thought was discounted rates. Found out it was full retail pricing after upgrading our MH the premiums almost doubled. Shopped around and Geico beat Progressive by more than 30%. Coverage is exactly the same. No claims with either. It pays to shop around every so often.