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USAA Home Insurance

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USAA Home Insurance

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SuperMoney Net Recommendation Score -15

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -15, equating to 2.7 on a 5 point rating scale.

-15

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.

Mostly not recommended

7 users recommend
3 users are unsure
10 users don't recommend
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Highlights
Community Rating Mostly not recommended
Financial Strength Rating A+
Number of Reviews 20

USAA Home Insurance Review

USAA Home Insurance 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).

USAA Home Insurance FAQ

What is the financial strength rating of USAA Home Insurance?

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 Home Insurance scores an A+ financial strength rating, SuperMoney's highest available rating.

What types of coverage does USAA Home Insurance 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 Home Insurance 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 Home Insurance 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 home insurance policy?

When you ask for a quote with USAA Home Insurance, 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 Home Insurance.

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...
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 Our Editor

What we love about USAA Home Insurance

USAA is a popular and well-known financial services company that is renowned for its strong customer service. If you buy home insurance from USAA, you can feel confident that you’ll be treated well and get the help you need if you ever have issues.

USAA’s home insurance covers the actual cash value of your home and belongings, meaning you’ll get enough money to buy a replacement for anything damaged by a covered peril. If you lose military uniforms or equipment, you won’t have to pay a deductible to replace them. Claims are easy to file through a streamlined online or mobile app process.

What could USAA Home Insurance do better?

The greatest drawback of USAA is that it has strict eligibility requirements. The company focuses on serving members of the military and their families, so you won’t be able to get coverage unless you are an active, retired, or separated service member or a spouse, widow, widower, or former spouse of an eligible servicemember. Beyond that, USAA offers good service at a good price, so there isn’t much to complain about.

USAA Home Insurance‘s backstory

USA was founded in 1922 by a group of Army officers who wanted car insurance. They banded together to form an insurance group of their own and later expanded their group to include other members of the military and to provide other financial services, including banking and lending. Today, the company is known for strong customer service and its mission to serve members of the military.

The Verdict

If you’re eligible to buy USAA insurance, it is one of the better insurers on the market. Its rates are generally competitive and it offers more comprehensive protection than many of its competitors. If you’re part of the military, USAA is also experienced with handling the problems unique to that lifestyle.

Availability

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

USAA Home Insurance Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -15, equating to 2.7 on a 5 point rating scale.

-15

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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