re: Good homeowners insurance? (Have USAA for auto)

I have USAA for both. I have had equal positive experiences in claims with both. My opinion is the auto division is a little easier to deal with initially bc it is more standard choices. Two things make me say that, 1. They said they could not sell me a builders risk policy bc of this and that, and another company sold it to me under the same circumstances. That is the ins for when u are in process of building. 2. After building other companies were much lower with the amount they force u to insure. So, I have a home and lot that are combined say 300K. Call it 200k for home 100k for lot. All other companies would set my premium for 200k. Usaa would only insure if I bought 275k premium, but the premium is about the same price. So, I got better top end coverage for the same price, but they do hurricane damage deductible on % of coverage. So my hurricane deductible is quite a bit higher.
In addition I've been a customer for 10+ yrs and have seen a decline in customer service. It is getting worse getting to a real person and someone who is knowledgable. Thankfully I don't have to call regularly, and the dividend return they give back every year makes any hassles easier to swallow. We even got a return on home ins after Katrina. It was small but came with a letter saying they still have a yearly return run intact.