| Coverage | USAA Standard | Industry Standard |
|---|
| Additional Dwelling Coverage | 25% of dwelling amount included unless rejected | Yes, by endorsement and/or surcharge |
| Personal Property Limits | 75% of dwelling coverage limit | 50% of dwelling coverage limit |
| Full Replacement Cost for Personal Property | Yes | By endorsement |
| Personal Liability Limits | $300,000 | $100,000 |
| Jewelry, Furs, Firearms, Silverware Limits | $10,000 | $2,000 |
| Golf Carts | $3,000 | By endorsement |
| Business Property (on premise) | $10,000 | $1,000 |
| Business Property (off premise) | $1,000 | $250 |
| Lock Replacement | $250 | None |
| Identity Theft | $5,000 included in policy contract | By endorsement |
| Loss Assessment | $10,000 | By endorsement |
| Military Uniform and Equipment | Personal Property Limit (no deductible) | Covered with a deductible |
| Personal Property Loss Due to War | $10,000 | None |
| Water Backup or Sump Pump Overflow | Included in policy contract | By endorsement |
| Fraud Coverage | $5,000 | TBD |