SuperMoney 

USAA

in Home Insurance

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USAA

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in Home Insurance

SuperMoney Net Recommendation Score -25% Recommendation score measures the loyalty between a provider and a consumer. It's at +100% if everybody recommends the provider and at -100% when no one recommends.

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Overview

Where does USAA do business?

USAA is an insurance carrier based in San Antonio, TX. The company was founded in 1922 and offers home insurance in 50 states (and Washington, DC). 

What is the financial strength rating of USAA?

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 scores an A+, SuperMoney's highest available rating.

What types of coverage does USAA offer?

Home insurance includes a wide range of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. USAA offers the following types of home insurance coverage:

  • Dwelling Coverage: Also called "dwelling insurance." This is the part of your homeowner's insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home if it's damaged by a covered hazard.

  • Guest Medical Protection: This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.

  • Liability Coverage: The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.

  • Other Structures Coverage: This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.

  • 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.

  • Reimbursed Living Expenses: This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.

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

  • Earthquake Coverage: This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.

  • Identity Theft Protection:  This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.

  • Sewage and Drain Backup Coverage: This coverage helps you repair water damage from overflowing drains and sewers, broken sump pumps, and damage that results from water moving from the ground up.

  • Valuable Items: Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.

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

When you ask for a quote with USAA, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available. 

  • Alarm System
  • Deadbolt Locks on Exterior Doors
  • Home Monitoring System
  • Smoke Detectors

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

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Policy Discounts
  • Claims Free
  • Continuously Insured
  • Good Credit
  • Higher Deductibles
  • Loyalty / Long-Term Customer
  • Military
  • Multiple Policy
Property Discounts
  • Alarm System
  • Deadbolt Locks on Exterior Doors
  • Home Monitoring System
  • Smoke Detectors
Home and Renters Insurance Riders
  • Earthquake Coverage
  • Flood Coverage (Federal)
  • Identity Theft Protection
  • Sewage and Drain Backup Coverage
  • Valuable Items
Financial Strength Rating
  • A+
Loyalty Program  
Claim Forgiveness  
Available 24/7 by Phone  
Liability  
Reimbursed Living Expenses  
Structure  
Personal Belongings  
Cosmetic Damage  
Home and Renters Insurance
  • Dwelling Coverage
  • Guest Medical Protection
  • Liability Coverage
  • Other Structures Coverage
  • Personal Property Protection
  • Reimbursed Living Expenses

Reviews

 
 

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