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USAA Home Insurance Overview

Serving military members and their families, USAA is a financial services company that was launched in 1922. The company is based in San Antonio, Texas, and has over 11.4 million members. Based on direct written premiums, USAA is the 5th largest homeowners insurer and has over $28.2 billion in assets.

What Are USAA Home Insurance’s Ratings?

USAA is highly rated by independent financial institutions. The company has received an A++ from A.M. Best, an Aaa from Moody’s, an AA+ from Standard & Poor’s and an A+ from the BBB.

What Home Insurance Coverage Does USAA Offer?

With USAA, homeowners insurance can include the following types of coverage:

- Replacement cost coverage for your home and personal belongings, insuring your assets at today's value without taking depreciation into account.

- Liability.

- Identity theft.

- Coverage for fire, theft, vandalism and most weather-related events.

How Does USAA Compare with Other Home Insurance Companies?

USAA offers great coverage at competitive rates, but what really sets the company apart from competitors is the fact that USAA caters to those who serve in the military. As an example, no deductible is applied when military uniforms are damaged by a covered incident if you’re on active or reserve duty. The USAA mobile app makes it easy to report claims, submit photos and view statuses. Members can even save up to 10% on homeowners insurance when they turn to USAA to insure their primary home and automobile.

  • AM Best Financial Strength Rating
    A+
  • Claim Forgiveness
  • Loyalty Program
  • Available 24/7 by Phone
  • Cosmetic Damage
  • Liability
  • Personal Belongings
  • Reimbursed Living Expenses
  • Structure
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