Last Updated: 04/18/2025
USAA Home Insurance
Claimed
Last Updated: 04/18/2025
SuperMoney User Recommendation Score +45
Mostly recommended44 total votes
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Highlights
Community Rating
Mostly recommended
Financial Strength Rating
A+(Verified 04/18/2025)
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Number of Reviews
USAA Home Insurance Review
USAA Home Insurance is an insurance carrier based in Phoenix, AZ. 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.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly recommend this product, giving it a user recommendation score of +45, or 3.9 on a 5-point rating scale.
+45
-1000+100
No one recommends
Everyone recommends
USAA Home Insurance Community Reviews
Would you recommend USAA Home Insurance to your friends?
TW
Tyler W.
Feb 18, 2024
May or may not recommend
I have had USAA insurance and when I had to file a claim they responded quickly and there were no problems.
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I first had USAA renters insurance when I entered the military at 17 years old. At my first duty location, I needed to file a claim with them due to a ruptured pipe. USAA made the process simple and easy, and as with most homeowners/renters insurance, you wait for the claim to go through and they send the money in the mail right away. The representatives there will walk you ...Show More
SW
Sue W.
Nov 17, 2022
May or may not recommend
We use USAA for auto and they are outstanding and helped out a lot with the policy to cut corners which is always appreciated. The home insurance however we found wasn't as competitive as their auto coverage. Great company.
AY
Aleena Y.
Oct 17, 2022
May or may not recommend
was surprised to see the ratings for USAA auto insurance. What I’ve heard from the lucky friends who have USAA coverage makes me envious – it’s always positive. But As a mortgage lender I see insurance quotes all the time. USAA is expensive (many times 30% or more than other major insurance companies) and often times they over-insure the clients for much more than is needed. I was very pleased ...Show More
Rickey M.
Oct 16, 2022
May or may not recommend
I first had USAA renters insurance when I entered the military at 17 years old. At my first duty location, I needed to file a claim with them due to a ruptured pipe. USAA made the process simple and easy, and as with most homeowners/renters insurance, you wait for the claim to go through and they send the money in the mail right away. The representatives there will walk you ...Show More
AW
Alicia W.
Oct 5, 2022
May or may not recommend
I would recommend USAA to anyone looking for an affordable and reliable insurance company that knows how to take care of their customer needs.
Line G.
Sep 2, 2022
May or may not recommend
I had to file a claim via my insurance company, and a USAA Home Insurance agent called the same day to gather all the information. I was very pleased with how quickly the claim was processed.
AA
Ainsley A.
Jul 27, 2022
May or may not recommend
USAA Home Insurance carries very affordable rates and good customer service thanks to the affordable premiums and generous discounts with its auto, property and life insurance policies.
MM
Maheen M.
Jul 25, 2022
May or may not recommend
USSA is quite excellent insurance company With best customer service and affordable rates, good coverage, generous discount and we can easily navigate website
Most reliable company , you can put your trust on them.
Highly recommended!!
MA
Muhammad A.
Jul 23, 2022
May or may not recommend
I have a good experience with USAA, USAA Home Insurance offers good customer service as well as affordable rates.
CC
Celestina C.
Jul 22, 2022
May or may not recommend
USAA is a really good insurance company for members of the military community (my husband and his siblings are in the military that's I know this) we've got affordable premiums and generous discounts with its auto, property, and life insurance policies. And their customer service is extremely helpful as always.
Elisa H.
May 21, 2022
May or may not recommend
I have a good experience with USAA, USAA Home Insurance offers good customer service as well as affordable rates.
RP
Ron P.
Apr 20, 2022
May or may not recommend
USAA is super flexible and offers a wide variety of options, especially when you are relocation constantly. On my recent move overseas, they also informed me that i am still able to get insurance on my belonging.
KR
Kimberly R.
Apr 14, 2022
May or may not recommend
USAA Home Insurance carries very affordable rates and good customer service. Awesome insurance coverages and easy to navigate website.
Christopher R.
Apr 13, 2022
May or may not recommend
USAA as help me awhile back when my gas pipes were leaking. They were quick to cover me and avoid a potential disaster/ my gas pipe busting. There customer service really is a big reason why I recommend.
SS
Sumaiyah S.
Mar 10, 2022
May or may not recommend
USAA is a really good insurance company for members of the military community, thanks to the affordable premiums and generous discounts with its auto, property and life insurance policies.
TB
Tabbitha B.
Mar 4, 2022
May or may not recommend
USSA home insurance offers fantastic customer care and great coverage for families! They focus on military families and are keen on provide discounts.
SW
Samuel W.
Feb 22, 2022
May or may not recommend
While USAA offers premium customer experience, their rates aren't as competitive as they'd lead you to believe. I recommend shopping around with other home insurance companies and compare rates.
TW
Tyra W.
Feb 3, 2022
May or may not recommend
USAA really does everything it can to help veterans and their families. They go beyond "insurance". Real people, Real help. And support. You don't get that from any insurance company.
KD
Keith D.
Jan 4, 2022
May or may not recommend
I have a lot of bad experience in trying to navigate from the bank app to the insurance page. They should work on their user interface.
Showing 20 of 44 reviews