Your New Simplified Homeowners Insurance Policy

Compare Old and New Policies

See the following sections:

Enhancements of Coverage
Reductions of Coverage
Clarifications of Coverage

Enhancements of Coverage

Type of Coverage	New Policy Coverage	Old Policy Coverage
Additional Living Expense	12 months. 24 months when a catastrophe is declared (No change to CA, FL, ME, NC, VA and WA).	12 months. CA 24 months when catastrophe is declared, FL 24 months. ME, NC, VA and WA timeframe not specified.
Business Property (on premise)	$10,000	$2,500
Business Property (off premise)	$1,000	$250
Debris Removal	$1,000 for tree removal expenses Added coverage for removal of fallen trees when a tree(s) does not damage the structure, but blocks a driveway or fixture designed to assist the disabled.	$500 for tree removal expenses
Electronic Media	$250	Excluded by contract
Firearms	$10,000 (theft only)	$2,000 (theft only)
Jewelry	$10,000 (theft only)	$1,000 (theft only)
Loss Assessment	$10,000 Coverage greater than $10,000 is reduced to $10,000	$1,000 Option to increase coverage to $50,000 (FL to $100,000) Can extend to additional residences
Loss of Earnings	$250 per day	$100 per day
Loss Settlement	If the claim is $5,000 or more, the property must be repaired or replaced to receive full replacement cost. Time limit of one year to fully replace or repair property to receive full replacement cost. Provides more time to make repairs or replace damaged property.	If the claim is $2,500 or more, the property must be repaired or replaced to receive full replacement cost. Time limit of 180 days to fully replace or repair property to receive full replacement cost.
Low–Powered Vehicles	$3,000 Gives liability coverage to low-powered vehicles such as Segways^® and toy cars	Not covered No coverage unless used for the disabled or to maintain the residence premises
Military Uniform and Equipment	Coverage C personal property limit (not subject to policy deductible) Better coverage for our active-duty members	Coverage C personal property limit (subject to policy deductible)
Mold or Fungus	Added coverage for wet or dry rot to Mold or Fungus coverage (Not available in AK, GA, NC, NH, NY, NJ and VA)
Other Structures Protection	25% of dwelling limit	10% of dwelling limit
Personal Liability	We no longer provide $100,000 coverage limit. Policies with $100,000 coverage will be raised to $300,000	$100,000 coverage limit available
Personal Property – War	$10,000 in coverage Property destroyed due to war outside the United States while on active duty is covered.	Excluded by contract
Revised Building Ordinance or Law Coverage	Now includes code changes that are in place after a loss, but before rebuilding takes place	Includes code changes that were in place at time of loss
Stamps	$2,500	$1,000
Silverware	$10,000 (theft only) We added platinum ware and platinum-plated ware to limit. Limit cannot be increased.	$2,500 (theft only)
Suit Against Us	Action must be brought within two years after the date of loss.	Action must be brought within one year after the date of loss.
Trailers	$1,500	$1,000
Trees, Shrubs and Other Plants	There is now an enhanced description of trees, shrubs and other plants to include landscaping. This was added to provide coverage for artificial turf and other hardscape.	Not Specified
Theft of Property at Another Residence	Coverage now applies if insured has been at residence within 60 days of theft. Broadened coverage for theft at another residence.	Excluded unless insured is temporarily residing there at time of theft
Watercraft	$1,500	$1,000

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Reductions of Coverage

Type of Coverage	New Policy Coverage	Old Policy Coverage
Building Ordinance for Condominiums	Endorsement no longer available 5% of Coverage A is included in the contract. This applies only to condos.	Provides additional coverage if the rebuilding involved additional costs to building up to modern codes
Business Pursuits	This endorsement is no longer available Consider obtaining a commercial policy through the USAA Insurance Agency by calling 1-800-531-USAA (8722)	Provides limited liability and medical payments coverage for personal (not professional) liability losses arising from a trade or occupation
Earthquake and Volcanic Eruption Loss Assessment Coverage	This endorsement is no longer available Please seek other coverage	Provides coverage for loss assessments levied by a homeowners or condo association resulting from an earthquake, or land shock waves or tremors
Earthquake	10% deductible applies to all policies (5% in New Jersey)	Several deductible options are available
Electrolysis	Coverage no longer provided.	Not specifically mentioned in the contract
Farmers Personal Liability	This endorsement is no longer available. Please seek other coverage.	Provides coverage for losses arising out of farming activities away from the residence premises.
Home Protector Plus	This endorsement is no longer available. If you had Home Protector Plus, Home Protector is now provided automatically, giving an additional 25% coverage. There is no option to increase this coverage. If needed, these endorsements provide a buffer due to a demand surge when catastrophes occur. You should check your insurance-to-value annually to see if you have sufficient coverage in the event of total loss.	When insuring your home at 100% replacement cost, this endorsement provides up to 50% additional coverage if needed for the dwelling.
Hovercraft	This coverage is no longer provided. Get a separate aircraft policy if you need it. Find a local agent to assist.	Not specifically mentioned
Incidental Business Occupancies - Other Residence	Endorsement no longer available Consider obtaining a commercial policy through the USAA Insurance Agency by calling 1-800-531-USAA (8722)	Provides limited liability coverage related to a business located at another residence.
Incidental Business Occupancies - Residence Premises	Endorsement no longer available The contract now provides $10,000 coverage for on-premises business property Consider obtaining a commercial policy through the USAA Insurance Agency by calling 1-800-531-USAA (8722)	Provides limited liability and business property coverage related to an in-home business
Incidental Farming Personal Liability	Endorsement no longer available Please seek other coverage	Provides coverage for losses arising out of limited farming activities on residence premises
Increased Credit Card, Fund Transfer Card, Forgery, Counterfeit Money, and Identity Fraud Coverage	Endorsement no longer available Contract provides a basic limit of $5,000. Any limit above $5,000 is now reduced to $5,000.	Provides an increased limit above the basic contract amount up to $10,000
Increased Fire Department Service Charge	Endorsement no longer available Contract provides a $500 limit if the fire department charges you for assistance	Provides up to an additional $500 in coverage
Increased Limits on Personal Property in Other Residences	Endorsement no longer available The contract now provides 10% of your personal property amount for property located at a secondary residence. If you need additional coverage, consider purchasing a renters policy	Provides an increased coverage limit for personal property located at a secondary residence.
Increased Special Limits of Liability	Endorsement no longer available No option to increase limits $10,000 coverage is provided in the contract for each category except for money and securities ($200 coverage for money and $1,000 coverage for securities). If the limit for money was above $200, it is now reduced to $200. If the limit for securities was above $1,000, it is now reduced to $1,000.	Provides an increased limit of coverage for money, securities, jewelry/furs, silverware and firearms.
Lenders Loss Payable (Chattel Mortgagee)	Endorsement no longer available You may provide a copy of your policy if needed.	Provides coverage for third parties' interest for personal property.
Personal Computer Endorsement	Maximum limit of coverage is $10,000, and is subject to a $250 deductible. Any limit above $10,000 is reduced to $10,000.	Provides special coverage that is subject to a $100 deductible.
Personal Injury Endorsement	Clarified that only non-malicious intentional acts are covered. There is an added exclusion for Internet-related libel and slander.	Internet-related libel and slander is not specifically addressed.
Personal Liability	Will no longer extend liability from your primary homeowners policy If the additional residence is insured by USAA, liability will be added to that policy. If the additional residence is insured through the USAA Insurance Agency, contact the USAA Insurance Agency to add liability coverage. If the additional residence is not insured with USAA or the USAA Insurance Agency, other coverage will need to be obtained.	Automatically extends liability from primary homeowners policy
Residence Rental Theft	Endorsement no longer available	Provides theft coverage for your personal property while your home is being temporarily rented for special events
Structures Rented to Others - Residence Premises	This endorsement is no longer available. The contract provides 25% of the dwelling limit without an option to increase. Any dwelling limit coverage above 25% is reduced to 25%. If you need more coverage, consider a rental property insurance for the other structures that are on the residence premises.	Provides coverage for structures rented to others at the residence.
Trading Cards & Comic Books	Coverage now limited to $2,500 and seek other coverage for large collections.	Coverage up to personal property amount
Watercraft	Covered only if less than 50 hp or sailboats under 35 ft. Contact the USAA Insurance Agency for coverage.	Coverage for borrowed watercraft over 50 hp or sailboats over 35 ft. Provides automatic coverage for the acquisition of an outboard motor over 50 hp

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Clarifications of Coverage

Type of Coverage	New Policy Coverage	Old Policy Coverage
Additional Insured	Simplified as one endorsement for multiple uses.	Added by separate endorsements.
Application of Additional Coverages	Unless coverage is addressed somewhere else in the policy, the coverages provided by additional coverages are the only ones provided.	Not specified
Cancellation Notices	Revised to allow for electronic delivery of notices if requested or agreed to	Does not address electronic delivery of notices
Constant or Repeated Seepage Coverage	The new definition for time period is: "over a period of 14 days or more."	The previous definition for time period is: "over a period of weeks, months or years."
Diminution in Value	Wording added to define and exclude property devaluation due to repaired damage.	Not covered
Duties to Determine and Maintain Policy Limits	Specifies that insurance to value is your responsibility. You need to insure your home for the appropriate replacement cost.	Not specified
Earth Movement Exclusion	Added the following wording: "movement arising from human or animal forces as well as acts of nature." Added a sinkhole exclusion.	Not specified
Explanation of Vehicle Peril	Wording added to clarify that coverage applies to damage caused by an impact with a motor vehicle.	"Vehicle" not defined
Failure to Disclose Information Concerning Real or Personal Property	Explicitly excluded	Not specifically mentioned
Fire Burglary Protection Credit	Credit is now specified on the Declaration page	Credit provided by endorsement
Golf Carts	Defined "golf cart" and broadened coverage to certain defined recreational or leisure activities	"Golf cart" not defined. Coverage limited to use on golf course only.
Hovercraft and Hovercraft Parts	Specifically not covered	Not specified
Intentional Acts	Provides coverage for intentional acts if in the defense of a person or property.	All intentional acts were excluded.
Intentional Loss	Added the following wording: "conspires to commit" and broadened exclusion to include all insureds	Not covered
Liberalization	The term "liberalization" has been revised to indicate that it does not apply when changes involve both broadening and reductions for coverage. We will not apply the clause when coverage is reduced.	Applies only if there is a broadening of coverage without increase of premium
Loss to a Pair or Set	Added the word "damage" to clarify that either loss or damage applies.	When referring to "loss," the intent was that "damage" was also part of loss.
Material Misrepresentation to include "Fraud and Concealment of Fact" and "Concealment or Fraud" (Section I only)	Clarifies what the intent of material misrepresentation includes. The policy now provides an option to deny coverage or void the policy.	If material misrepresentation occurs, it results in the entire policy being voided.
Matching of Undamaged Property	Specifies that USAA will not pay to replace or repair property solely due to mismatch of materials.	Not specified
Mechanical Breakdown, Latent Defect and Inherent Vice Exclusion	"Inherent vice" is now defined.	Not defined
Mortgage Clause	Added the following clarification to the contract: "We will not pay the mortgagee for any loss that would not otherwise be covered under the policy unless the Mortgagee Clause applies."	Not clarified
Nesting, Infestation, Discharge or Release of Waste Products or Secretions of Birds, Rodents, Insects, etc. Exclusion	Specifies that this cause of loss is not covered	Not covered
Non-Renewal	Revised to allow for electronic delivery of notices if requested or agreed to.	Does not address electronic delivery of notices.
Notification of Loss	Added a timeframe of one year after loss to better define "prompt notice."	No definition of "prompt notice" provided
Personal Property of Roommates	Specifically not covered	Not specified
Pressure and/or Presence or Intrusion of Tree Roots Exclusion	Specifies that this cause of loss is not covered	Not covered
Refrigerated Products	Clarified that the $500 limit applies to the total loss and not "per appliance"	"A freezer or a refrigerator" wording implied that $500 limit applied to each unit.
Revised "Ordinance or Law" Exclusion Wording	Added additional clarification of what is not covered	Not clarified
Sexual Molestation and Harassment	Explicitly excluded	Not specifically mentioned
Vermin	Added the definition of "vermin" to further clarify

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Homeowners insurance provided by United Services Automobile Association, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, San Antonio, Texas. Each company has sole financial responsibility for its own products.

Coverages subject to the terms and conditions of the policy.Coverage descriptions are brief and subject to the terms and conditions of your insurance policy. Read your insurance policy for details. Applications subject to underwriting.

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