USAA's customer service reps are usually very good about pointing out discount opportunities for multiple products. I know that a few years ago when I called to cancel a pretty expensive valuable personal property rider, the rep pointed out that I was getting a discount on my insurance for multiple accounts and suggested that, rather than canceling the rider, I move it to the lowest level. The annual discount I continue to receive on my insurance bill is now larger than the amount I pay for rider. I have the same situation with a car insurance policy that costs me about $24 per year, but saves me several hundred dollars a year on my homeowner's policy (and made it possible for me to get an umbrella policy).