In 2009 I had a fire in my detached garage/mancave, it was totally destroyed. I was told by USAA not to worry I had replacement insurance. Here is how it worked: I was told to list each item, date purchased, cost ect: this was done and then told when I replaced the items, to send them a receipt and they would de-value the item based on age and send me a check. Example a 1 year old lawntractor paid $1800 (had the receipt) I purchased a new mower and USAA sent me a check for $550 because that was what the value of the 1 year old tractor was in their mind. It went that way for every item I purchased,sent them the receipt and they de-valued.All in All it cost me $12,500 out of my pocket to replace the items lost. So if you have USAA BEWARE! I was with them for 35 years! But no longer…go figure
Usaa Homeowners Insurance
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