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
  • Claim Forgiveness
  • Loyalty Program
  • Available 24/7 by Phone
  • Cosmetic Damage
  • Liability
  • Personal Belongings
  • Reimbursed Living Expenses
  • Structure
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0 votes

Low rates, flexible eligibility criteria, and great customer service. What's not to like?

0 votes

We had a bad storm and a tree fell through my roof . I got all the necessary information to file my claim with USAA. Gave them 2 contractors estimates within a couple of days after incident. It is now going on 5months and i still have a hole in my roof.

0 votes

I made a claim with USAA in August 2013 and my claims adjuster has done nothing. Every time I called I got a voicemail that was usually full and couldn't leave a message. In this time my house was vandalized and looks like an abandoned home. I have contacted B.B.B. to help me.

0 votes

We had a hail storm and called USAA to tell them about it. I wasnt sure if i had damage or not so they sent an inpector out 2 days later. The damage was minor and i had an amount deposited in my account 3 days later. My neighbors are still waiting.

0 votes

customer service reps are Americans and very helpful-Which in todays customer service industry finding both of those concepts is unheard-of.. They know exactly what I'm my question and eager to help. They always go the extra mile when ever I call.

0 votes

I have had USAA home and auto insurance for seven years and have never had a problem with them. They have always answered my questions and been there when I needed them. Online tools are great and easy to use. I only spoke to customer service once in the last 2 - 3 years since I switched to them from the lizard but the service I have received was exeptional.

0 votes

USAA increased my insurance by $400 so I looked through last years statement to see what was different. They had added a B coverage. I called them and told them I don't fall under this coverage. They told me it is standard in all policies from now on. So they want me to pay for insurance that I will never be able to make a claim on.

0 votes

I live in the Dallas/Fort Worth area and we have had some very severe weather lately. I had some damage to the house and am thankful for having insurance with USAA. They were at my house surveying the same day and in 8 days my home was repaired.

0 votes

I just got my renewal notice from USAA and it was $2000 more then previous year. I did not make any claims and nothing had changed that would warrant this. I called them and they told me it was due to claims that they speculated would come from North Carolina. I did not renew with them.

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