Ask yourself, If you went to a casino and had a 1 in 50 or even 1 in 30 chance of winning, how much would you be willing to bet?There are of course, those 2 or 3 out of every hundred who will come out on top buying the extended warranty, so if it always seems like it rains on your parade, maybe you're one of those 2 or 3 and it will turn out to be a good deal for you
Extended warranties only exist to make money for the companies that sell them. If you can get into the business of selling them, then great. Otherwise save your money. Neither USAA's or anyone else's extended warranty is worth it.