Insurance Question

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We use USAA also. They are phenomenal. My In-laws use them too. My mother in law lost her diamond earrings and USAA wrote the check for the exact replacement (When they re-bought I think they added $ and upgraded carat tho). A year later they found the original earrings behind a piece of furniture and called USAA. USAA said no problem, please mail them or drop them off and we will sell them. Great company. And I'll bet people don't say that often about an insurance company.