USAA is an exclusive insurance company for members of the military and their families. Rates in the Clear Lake area have skyrocketed, tripling in just a few years. Deductibles have risen almost 10 fold and sewer, water, and foundation damage were removed without reducing premiums. Any USAA member in the area is free to change companies, but if you do, USAA will not renew your policy in the future. Good luck in finding anything better. Although USAA has raked us over the coals over the last few years, no other company can come close to the rates. From the Chronicle:
USAA plans to hike rates for thousands of homeowners in Harris County later this year.