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Last Updated: 04/18/2025

USAA General Indemnity Company

in Flood Insurance from USAA Federal Savings Bank

Last Updated: 04/18/2025

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Highlights

Financial Strength Rating

A+(Verified 04/18/2025)

USAA General Indemnity Company Review

USAA General Indemnity Company is an insurance carrier based in Phoenix, AZ. The company was founded in 1922 and offers flood insurance in 50 states (and Washington, DC). Flooding is the number one natural disaster in the United States. According to FEMA floods cost Americans more than a billion dollars a year. However, standard homeowners insurance policies don't cover flood damage.

USAA General Indemnity Company FAQ

What types of coverage does USAA General Indemnity Company offer?

Flood insurance includes a variety of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. There are two main types of flood insurance: policies offered by the National Flood Insurance Program (NFIP) and those provided by private companies, also known as excess flood coverage. USAA General Indemnity Company only offers federal flood insurance policies..

NFIP Flood Coverage: Flood insurance through the National Flood Insurance Progam has two basic policies. One that covers the building property up to $250,000 and one that covers personal property up to $100,000.

Dwelling Coverage: Also called dwelling insurance. This is the part of your flood insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home. Federal flood insurance has a maximum coverage of $250,000. If you have a mortgage, your lender may require you to apply for excess flood coverage.

Personal Property Protection: This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them. Federal flood insurance through the National Flood Insurance Progam maxes out at $100,000. If that doesn't cover the value of your personal property, consider buying excess flood coverage.

USAA General Indemnity Company customers can also add the following riders or endorsements to their home insurance policies:

How can you save money on a USAA General Indemnity Company home insurance policy?

When you ask for a quote with USAA General Indemnity Company, make sure you ask for all the discounts you qualify for.

Community Rating System: The National Flood Insurance Program's (NFIP) Community Rating System (CRS) is a voluntary incentive program that encourages community floodplain management activities that exceed the minimum NFIP requirements. Flood insurance premium rates of federal flood insurance policies are discounted to reflect the reduced flood risk resulting from the community actions.
Flood Zone Designation: The Federal Emergency Management Agency (FEMA) creates flood zone maps that estimate the risk of flooding.
Freeboard (Property Elevation Above BFE): Homewoners who elevate their homes above the base flood elevations (BFEs) pay lower premiums. For example, adding a 2-foot elevation to a home could reduce your flood insurance premiums by more than $1,000 a year.

Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with USAA General Indemnity Company.

What additional benefits does USAA General Indemnity Company offer?

USAA General Indemnity Company offers the following benefits to its customers:

24/7 Phone Availability: Customer service is staffed around the clock.

Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.

What is the financial strength rating of USAA General Indemnity Company?

The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

USAA General Indemnity Company scores an A+, SuperMoney's highest available rating.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message from USAA General Indemnity Company

Coping with the aftermath of a flood is not just physical and emotional — it could be a financial disaster if you don't have flood insurance. Just because you haven't experienced a flood in the past doesn't mean you won't in the future. Remember that flooding can occur anywhere and a few inches of water can cost tens of thousands of dollars. Development, flood control measures, river-flow changes and storm surge can increase the risk level in your area. It might be time to update your policy. Don't wait until flooding is in the forecast. Typically, there's a 30-day waiting period before the policy is effective.

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1 Norterra Dr

Phoenix, AZ 85085

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