Insurance by Heroes s the insurance carrier for service members, veterans, and their families. The organization offers a number of different coverage solutions, including auto insurance, homeowners insurance, life insurance, and health insurance. In addition to offering competitive rates, USAA is well-known for their military-focused customer service and exceptional claims handling.

The company is headquartered in San Antonio, Texas and has 13.5 million members worldwide. It has received many high ratings from customers and is frequently featured on Fortune’s list of the best companies to work for in America. USAA has also made many technological advances. For example, their document imaging system is one of the world’s largest and can scan more than 16 million pages each day without needing to print hard copies.

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Some of the perks offered by USAA include up to $5,000 in identity theft protection and replacement cost coverage for personal property, which includes jewelry. The latter feature allows the insurer to calculate a claim’s payout by replacing a lost item with a comparable piece, rather than determining its value based on the year it was manufactured or purchased.

However, some of USAA’s policies do have notable exclusions and limitations. For instance, their renters policy excludes coverage for mold damage. They also have a clause that limits the amount of coverage for lands and buildings that are rented to others. This clause is found in section II, HO-70TX of the policy.