USAA Home Insurance Review

USAA features comprehensive home coverage and superior customer service at industry-leading rates, but membership with USAA is limited.



USAA is in a class of its own, offering great coverage and excellent customer service at some of the lowest rates in the industry. As a USAA member, you can trim those rates even more by using USAA for your other financial protection needs, like car and life insurance, banking, investments, retirement funds, and mortgages.

With USAA, you can be sure your home and valuables are backed by financial certainty. The company has a superb A++ financial rating with A.M. Best, the leading insurance company credit agency. USAA also earned high marks with consumer insights leader J.D. Power, scoring a 5 out of 5 in both their 2018 U.S. Home Insurance Study and Property Claims Satisfaction Study. So you can rest assured that, when it comes time to file a claim for damages, you won’t spend hours on the phone waiting for a claims representative or months waiting for your reimbursement.

In order to get insured with USAA, you need to have served or have some family affiliation with the U.S. armed forces. But in spite of its limited membership, USAA still manages to insure the fifth-most homes in the industry.

It may be because of their membership restrictions that they’re able to maintain such unparalleled levels of customer service, but even if you do have a military affiliation, the registration process can be somewhat laborious. USAA is also quite limited when it comes to discounts, only offering about five or six discount opportunities for policyholders.


  • Best-in-class coverage with low rates
  • Outstanding customer service
  • Excellent digital tools
  • Industry-leading financial ratings


  • Only available to people affiliated with the military
  • No available discounts for non-centralized fire alarms

USAA by the numbers

Founded: 1922

Market share: 6.06%

A.M. Best rating: A++

Better Business Bureau rating: B- (unaccredited rating)

Consumer Reports: 92

J.D. Power: 5 out of 5 (Among the best)

What states is USAA available in?

USAA homeowners insurance is available in all 50 states and the District of Columbia.

USAA homeowners insurance state availability

ArizonaNew Hampshire
ArkansasNew Jersey
CaliforniaNew Mexico
ColoradoNew York
ConnecticutNorth Carolina
DelawareNorth Dakota
IllinoisRhode Island
IndianaSouth Carolina
IowaSouth Dakota
MichiganWashington D.C.
MinnesotaWest Virginia

Policy details

USAA keeps it fairly simple for applicants, featuring a single home insurance policy with replacement cost coverage for both your home and personal property.

A notable feature of USAA’s home policy is the high personal property coverage limit, which is 75% of your dwelling coverage. Most insurance companies cap personal property coverage at 50% of your home’s insured value, or they’ll charge you an additional premium to increase your limits.

USAA’s standard home insurance policy includes a number of additional coverages — like inflation guard (reimburses you for rebuild cost surge pricing), building ordinance and law coverage, and debris removal — under a single endorsement called “home protector” coverage.

Here are the noteworthy parts of USAA’s home insurance policy:

  • Replacement cost dwelling and personal property coverage
  • Unlimited loss-of-use coverage
  • Home protector coverage
  • $500,000 in personal liability coverage
  • $5,000 in medical payments to others coverage
  • Deductible options up to $10,000 to keep your rates down

How much does USAA cost?

When it comes to policy premiums, USAA is among the most competitive in the industry. You can save even more money through USAA’s discount programs, which reduce your premiums if you bundle your home and auto insurance or use multiple USAA products, from their savings accounts to index funds to IRA plans.

Below is a sample quote for a 2,000-square-foot, single-family home.

Primary coveragesPolicy limits
Other structures$37,100
Personal property$278,250
Personal liability$500,000
Medical payments for guests$5,000

Additional coverages

  • Water backup or sump pump overflow - Protects your stuff in the event your sewage goes in the reverse direction of where its supposed to go
  • Additional computer coverage - Damage to laptops, tablets, and smartphones are more broadly covered against certain types of damage, like power surges, heat warps, mishandling, or spilling coffee on your computer
  • Mine subsidence - Coverage for property loss due to the sinking of a mineral extraction and excavation mine
  • Valuable-items coverage - High sublimits and expanded protection for jewelry, silverware, furs, art, cameras, musical instruments
  • Earthquake coverage - Coverage for your home against the fracturing of Earth — available both as an endorsement and as a standalone policy
  • Flood coverage - USAA offers flood insurance through the National Flood Insurance Program and brokers excess flood coverage in certain states
  • Military uniform coverage - Replaces active duty or deployed members’ military uniforms if they’re damaged, lost, or stolen

Here’s how USAA stacks up against the competition in terms of the most common coverage endorsement offerings:

Homeowners insurance coverage endorsements by insurance company


  • Auto and home combination discount - Save up to 10% when you have more than one policy with USAA
  • Claims-free discount - You’re eligible for a claim-free discount if you’re able to go more than three years without filing a claim
  • Membership loyalty discount - When you’ve been with USAA for at least two years
  • Multiple USAA products discount - When you opt to receive policy information and billing electronically
  • Good payment history discount - A good discount for a good payment history
  • Impact-resistant roof discount - Reduce your premium if your roof is disaster-proof
  • Automatic detection devices discount - Trim money from your bill by modernizing your home with water and gas leak sensors
  • Home age discount - Discount if you’re insuring a new home
  • ADT Home Security Systems discount - 50% off ADT Home Security Systems installation, a 10% off monthly monitoring discount, and a discount on your premiums when you secure your home with ADT

Company details

Application process

USAA’s application process takes under five minutes once you become a member, but obtaining membership is the more trying part. In order to become eligible for USAA insurance, one of the following needs to apply:

  • You’re an active duty officer
  • You’re in the National Guard or a Reserve officer
  • You’re an officer candidate in commissioning programs
  • You’re a spouse or child of a USAA member

When you apply for home insurance with USAA, they ask you basic questions about your home, like your address and ZIP code, and then their services are able to auto-fill your home spec information. If you’re already a USAA member, your discounts are automatically applied to your initial quote, which we found pretty cool.

Claims process — 5 out of 5 claims satisfaction rating with J.D. Power

When it comes to claims, USAA is one of the best in the business. Not only did they receive a 5 out of 5 claims satisfaction rating with J.D. Power; they also received a 0.24 complaint index rating with the National Association of Insurance Commissioners (hint: any rating below a 1 is good).

If you need to file a claim with USAA, the insurer gives you the option of filing on their website, through your mobile app, or over the phone.

Other types of property insurance offered

USAA offers several types of property insurance. If you’re looking to buy home insurance with USAA and you have other property that needs coverage, consider bundling insurances.

  • Car insurance - Protects your whip
  • Rental property insurance - Coverage in case your tenants burn your building down
  • Renters insurance - Protection for stuff in your rental unit (and outside your rental unit)
  • Condo insurance - Protects your condo's structure, all your stuff inside, and any additional liability coverage you need to supplement your HOA's master policy
  • Valuable personal property insurance - Standalone policy for your valuables if you own a lot of expensive stuff
  • Flood insurance - Protects your stuff against flowing water
  • Motorcycle, RV & boat insurance - Insurance for watercrafts
  • Umbrella insurance - Increased liability coverage limits for your home and car
  • Small business insurance - Insurance for your mom n’ pop shop
  • Mobile home insurance - Protection for your house on wheels
  • Farm and ranch insurance - Coverage for farm structures, livestock, crops, and machines
  • Collectible-item insurance - Coverage for your favorite collectibles

Digital tools

  • Web and mobile application
  • Web policy viewer
  • Web and mobile claims
  • USAA mobile app

Contact info

Phone: 800-531-USAA
Headquarters: 9800 Fredericksburg Road, San Antonio, TX 78288

Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. The review on this page is only for the carrier’s homeowners insurance products. Not all carriers are currently available through Policygenius. Speak to one of our licensed experts for more information on carrier availability.