Home and car insurance suggestions

I currently have USAA and recently found out I've been paying way too much. I have home and car insurance (FC). My home does have a pool so I'm sure that doesn't help. Right now I am paying almost $700 a month. I know I know I'm crazy BUT theres a little backstory… my husband had USAA for car insurance when we got married in 2010. He was diagnosed with terminal cancer and although the navy kept him on as active duty they gave him the option to go to work if he felt well enough but didn't have to. He always went until he physically couldn't and the navy told us we could move back home (or wherever) so we did that, bought a house but he started to deteriorate quickly. He died in our new home a week after we closed.

I was obviously devastated and not really able to make all the phone calls or arrangements that come with losing a spouse AND buying a home so I did the spouse stuff and my mom did the house stuff. I remember her talking to USAA about adding the house and her giving them the details and everything. I'm not blaming her but I had never bought a house before so I had no idea what was and wasn't a normal price for insurance. I noticed they were taking out $300 something every month so I guess I just figured that's what it was. I recently noticed they are taking that out twice a month and there's just no way I can afford that.

Any suggestions for good but affordable insurance? TIA