USAA closed 51% of home insurance claims without making a payment in 2025 11 days ago
I think you may not fully understand how much more expensive insurance is in the US and how bad of a deal you get here.
In the Netherlands my standard car insurance came with a bodily injury liability limit of 6.5MM and property damage liability limit of 2.5MM at a cost of only around €25 per month.
You usually cannot even get limits that high from insurers in US, let alone at such a cheap rate.