USAA submitted its fourth quarter 2025 report of residential property cancellations and non-renewals to the Georgia Office of Insurance and Safety Fire Commissioner, covering activity across four affiliated carriers. The filing, submitted February 6, 2026, reflects moderate activity consistent with routine portfolio management.
Impacted policies (Q4 2025)
- United Services Automobile Association: 57 (19 cancellations, 38 non-renewals)
- USAA Casualty Insurance Company: 73 (31 cancellations, 42 non-renewals)
- USAA General Indemnity Company: 132 (25 cancellations, 107 non-renewals)
- Garrison Property & Casualty Insurance Company: 132 (25 cancellations, 107 non-renewals)
- Totals include homeowners, renters, manufactured housing, and contents policies
- Year-to-date figures match fourth-quarter counts, indicating stable retention levels
Key drivers
- Property condition issues
- High claims frequency
- Eligibility changes
- Other underwriting actions
- Limited cases involving no insurable interest or unsigned subscriber agreements
Geographic trends
- Higher concentrations in Richmond, Muscogee, Chatham, Columbia, Liberty, and DeKalb counties
- Patterns align with older housing stock and areas with recurring claims activity
Regulatory and disclosure notes
- No regulatory concerns were identified; actions align with approved underwriting and eligibility guidelines
- The report is designated proprietary and confidential, with compliance certification from USAA’s risk management team to protect member-specific information
Overall, the filing reflects routine underwriting discipline rather than a shift in market strategy.