USAA has a long history as a financial services and insurance provider to military members and their families. It has earned high financial strength ratings and is known for tailoring products and services to meet the needs of military members.

USAA's home insurance is no exception and includes specialized coverage for military uniforms. If you're a current or former military member and a homeowner, a USAA home insurance product is worth exploring.

Read USAA Homeowners Insurance Reviews

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The Good

High Financial Strength Ratings
Coverage Options
Military Uniform Coverage
Home Sharing Coverage
Ways to Save

High Financial Strength Ratings

USAA has received high financial strength ratings. These ratings are important to check before buying insurance because they indicate the long-term financial outlook of an insurer. High financial strength ratings are common among top insurers, so USAA's high financial strength ratings make it competitive.

Coverage Options

USAA is also competitive in its home insurance coverage options. It offers dwelling, personal belongings, loss of use, other structures, and personal liability insurance coverage. These offerings are typical for home insurance.

Depending on your area, you may also include identity theft coverage with your homeowners insurance policy.

Military Uniform Coverage

In addition to the standard coverage, USAA advertises coverage for military uniforms.

Although any home insurance carrier would likely include coverage for a military uniform under personal belongings, USAA goes further. If your uniform is lost due to a covered peril while you are on active duty or deployed, the deductible is waived.

With this coverage, USAA shows its commitment to serving and meeting the insurance needs of military members and their families.

Home Sharing Coverage

If you rent all or part of your home, you may be able to get home sharing coverage through USAA. This coverage isn't available everywhere, so check to see if it's available in your area.

Some insurers offer similar coverage, but it is not common. Offering this kind of coverage makes USAA stand out.

Ways to Save

Like other home insurers, USAA offers discounts and savings opportunities to make your home insurance rate more affordable. Offerings include a claims-free discount and a protective device credit. Policyholders can also bundle their policy with auto insurance to receive a discount.

If these discounts don't help enough with your insurance premium costs, you can also opt for a higher deductible.

Although some competitors offer more discounts, USAA's discount options are competitive.

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The Bad

Eligibility Requirements
Insufficient Customer Insight

Eligibility Requirements

You must become a USAA member before you can purchase USAA home insurance. No fees are required for USAA membership. However, you must be a current or retired military member or an immediate family member of someone who served in the U.S. military.

If you do not meet USAA's eligibility requirements, you'll need to find another insurance company.

Insufficient Customer Insight

Although it's promising that USAA home insurance reviews on BestCompany.com are mostly positive, there are not very many of them. Although USAA is competitive, a full recommendation based on customer satisfaction is not currently available.

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The Bottom Line

Although more customer review data would offer better insight into the quality of USAA's services, it is a recommended insurer because of its competitive homeowners insurance products and high financial strength ratings. USAA's services are only available to its members, so you must meet its eligibility requirements.

A USAA policy is an especially good fit for homeowners insurance if you want specialized coverage for your military uniform.

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User Reviews

Star Rating

4.6

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100 Reviews

Review Breakdown

5 grade

78%

4 grade

12%

3 grade

2 grade

1 grade

Sentiment Criteria

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Quality

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Service

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Trustworthiness

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star star star star star

Robbin Nelson Castle Hayne, NC

I have my home and auto insurance with USAA and am grateful to have everything in the same place. The reps were so helpful and alert to my needs. It was a hassle free transition from the previous company.

1 day ago

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John A Jacksonville, FL

I have been with USAA a number of years and have to admit that they are fantastic. I have home and auto with them. I have never had an issue with a claim, as they have all been handled rapidly and professionally. Twice I have made comparisons and no one has been able to beat their prices for the identical coverage. You may find a cheaper premium, but not a better company for the same coverage.

1 month ago

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Carol E Brown Harker Heights, TX

My husband and I have been with USAA for approximately 15 years. We currently have our homeowners insurance and car insurance with them. We have been satisfied with the service we received. Six years ago we had severe hail damage on our roof. USAA sent an appraiser to our home in a very timely manner. They evaluated the damage and arranged for the repair within a matter of days. I highly recommend USAA.

2 months ago

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Tara Gillispie Hurricane, WV

Being a USAA home insurance customer is an honor Bc my papa served as. Marine. Anytime I have ever had to call them they are so nice and so quick to getting a claim started and finished.

1 month ago

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Jennifer Shepard Santa Clarita, CA

I have been with USAA for more than 23 years. They are definitely hard to beat when it comes to customer service. The one con is that they have become more on the higher price level when it used to be that most other insurance companies could not complete with them.

2 months ago

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Holly Holmes Miami, FL

I have had USAA for many years usually just auto because they wouldn't insure us in Florida due to hurricane possibilities. I was very dissatisfied with that aspect. 2 years ago I moved to NC and now have home insurance as well. Thankfully I haven't needed to do any claims yet. My overall opinion of USAA is positive. They are excellent with car claims, so I expect the same with home claims as well.

3 months ago

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Michelle Crane Orlando, FL

I have used USAA for insurance for over 10 years. I use them for our car insurance, home property insurance, and we used them for renters insurance before we purchased our home. The customer service is excellent, almost no wait times to speak to a representative. Security of your personal information is exceptional. Their website is organized and easy to understand when you are browsing looking for pricing and quotes and their prices can’t be beat!

4 months ago

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David Garcia Chicago, IL

USAA has been our insurance for our home for many years. During that time period, we have had the need to file two claims. Both were handled in an expeditious, professional and understanding manner. All elements were handled fairly and with a level of care and understanding as though the adjusters were actually the client. I will remain with USAA despite the numerous insurance companies trying to get our business. Best insurance ever.

5 months ago

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Cheryl Johnson Fayetteville, NC

They have really good customer service. They have really bent over backwards to help.

1 week ago

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Bart Kent Everett, WA

Have used USAA for 56 years for all insurance and the Company has been excellent. Great customer service and very easy to work with.

1 month ago

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Gina Poe Los Angeles, CA

I love USAA. They have been my insurer for 22 years and counting and have never let me down. They are fair, timely, never hassle me, respond to my inquiries, and give me rebates when we customers as a whole save the company.

5 months ago

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Sean Zernickow Monument, CO

Great company providing products and services. Greatly appreciate the relationship I have with USAA. I had several insurance policies with them previously. The main reason for my switch away from them is due to them not being competitive with home insurance. I am still doing business with them and have for a number of years.

3 months ago

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Anastasia Lemanski IA

I had USSA Renter's insurance for over 15 years. I am a retired DoD employee and a Gold Star Spouse. USAA had always been reliable and quick to act upon any claims or issues I had. Thank you for taking care of those who serve and their families.

3 months ago

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Linda Howard New Orleans, LA

Renewed my Home policy going from a Primary Residence to Rental property and I am very pleased with the Customer Service Represenative. She was very experienced and patient. To have a Company Represenative so pleasant was a plus

4 months ago

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JJ Jenkins Bracey, VA

USAA is the best home insurance company we could every ask for. They settle claims quickly and fairly. We have been customers of USAA for over 25 years . You don’t have a long wait when you contact them and all of their representatives are knowledgeable courteous and caring.

5 months ago

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Daniel Smith Canton, GA

Great company with high quality coverage at competitive rates. Very customer friendly website and excellent live customer service on the phone. Could not recommend a btter comapny for all of your insurance needs should you qualify.

5 months ago

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Diane Bona Venice, FL

This company does not like Florida homes. They will pay there claims less deductable and depending on how old the things damaged are. Do not use their adjusters. Call your own. You will be lucky if you get half of what you need to replace things. Insurance rates go up yearly.

1 month ago

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Enoch Hein Fort Smith, AR

I’ve used USAA for banking and insurance. They do a great job of getting you the service you need in their claims dept.

2 months ago

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RSK LA

Their home insurance policies use to be no-nonsense, but now it’s very difficult to get roofing damage properly covered. Company is only interested in approving patch jobs that ultimately wastes everyone’s time and money.

3 months ago

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Tess Rangus Puyallup, WA

If you're lucky enough to be eligible, don't pass on USAA. Absolute best rates, best coverage and best customer service. The damage appraisal is fast and convenient. They pay you fairly and quickly.

4 months ago

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Jepheth White Fairfield, CA

USAA is my go to credit union for everything! Loans, insurance, banking, credit cards, etc. And with multiple accounts you receive a discount on things. Plus I love the fact it’s only for the military community!

5 months ago

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Ashlyn Elwood Roswell, GA

USAA has provided AMAZING support for myself and the service members in my family. I appreciate the benefits they give to those who served their country and their families when it comes to insuring our homes.

5 months ago

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M. Nielsen South Bend, IN

Great customer service and always there to answer questions and concerns. Very simple and quick claims process , had storm damage that took our furnace out, we were amazed at how fast we had it replaced.

5 months ago

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Philip Patton Bullhead City, AZ

I have been with USAA for both my home insurance and car insurance and they have always been easy to deal with. I am a veteran of 23 years in the US Army and I highly recommend them to any man or woman who have served in the military

5 months ago

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Judy Greene Pahrump, NV

Great customer service! I signed up over the phone because I had a lot of questions that the website did not answer. The rep was patient and answered all my questions, made suggestions, and then basically tailored the insurance to what I wanted. Their billing is accurate and received well ahead of time in case there are questions.

5 months ago

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Rae Martinez Peoria, AZ

Was able to bundle house and all vehicles under one, very cost effective, policy. Coverage is excellent. They are very service oriented, helpful and professional. Easier to reach them by phone - not thrilled with their computer, not overly user friendly. But the 'live' person is always great - and it's easy to get to a 'live' person.

5 months ago

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Dana Hatfield Bullhead City, AZ

I have my renters insurance bundled with my auto insurance, and so get a great deal. The policy covers everything I could ask for it to cover. Luckily I haven't had to make any claims, but I'm sure if I ever do it will be handled in a professional manner as I have always gotten great customer service from USAA. Plan on staying with them for the foreseeable future. Would recommend them to anyone who qualifies for membership.

1 year ago

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Cheryl Stone Phoenix, AZ

Great company. Best value for my money. Amazing customer service.

2 weeks ago

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a j Roswell, GA

Using any USAA service is always my first option. They give very competitive rates and their customer service is first class!

3 months ago

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Joe O Hoffman Estates, IL

Have been pretty good, and affordable. Everyone raves about how good they are. I had a few bumps with a home claim but they worked it out and made it right. Customer service people are friendly and informative.

4 months ago

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Russell Vastine Aurora, CO

Very helpful getting quotes and rates to bundle. My wife has had USAA for other insurance. Very competitive price compared to other bigger insurance companies.

5 months ago

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MFlower Glen Allen, VA

They had the best rate when I was shopping around. No complaints. I haven’t had an issues or had a claim to compare but the rate is better than any other I found.

5 months ago

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Jlbflatx New Braunfels, TX

Here in Texas we have USAA which is a fantastic company. They are always there if you need them . All personnel are super friendly and helpful. Can’t go wrong with USAA.

5 months ago

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Michelle Kathleen, GA

USAA has excellent rates and customer service. They are easy to work with and take care of their people. I would recommend them to everyone who is eligible.

5 months ago

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Gordon Firemark San Diego, CA

I’ve been a USAA customer all My adult life. Their service is great. Claims process is smooth. Never had anything but a satisfactory experience. Prices are competitive and coverage is superior.

6 months ago

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Rebekah Cothren Fleetwood, NC

The customer support with this company is beyond awesome! They were patient and attentive and we got way more coverage than we would have if we had gone somewhere else! And it was so much more affordable.

7 months ago

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Leah Mills Kapolei, HI

the best banking and insurance company. they have the best and most competitive rates compared to any other company. the customer service is amazing as well and they really care about you as a person/customer.

7 months ago

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edward Winik High Springs, FL

This is an absolute excellent company, totally safe to use online and have all kinds of services that fit all of your needs financially. Good loan company, great banking and credit card offers.

8 months ago

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Angela Chesapeake, VA

The overall price is good. We’ve never had to make claims except once, we lost power for days and lost all our food in our fridge and freezer. USAA was super nice and understanding. We’ve never had to file anything else and honestly hope we never do. But the one time we did we got the service you’d expect.

1 year ago

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Sam Massey Seaside, CA

As a veteran, USAA has always been there for me and my family through all of our challenges and needs. I rest easy at night knowing they protect my assets, money, and family in case of any emergencies. They also monitor my accounts for fraud, providing us with fast, great, customer service.

10 months ago

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Gabe Dominiczak

Have been a member for nearly two decades. Great customer service

1 month ago

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Rich N New London, CT

We have used USAA for home and auto insurance for years. Fortunately, we have never needed to file a claim for auto but I know they would be there if we needed it. Unfortunately, we have had to file a claim for water damage caused by a leaking pipe behind a wall that went undetected and created significant damage including mold. USAA was AWESOME in helping us get the situation remedied and returned to normal. Thank you!

1 year ago

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I’ve been a USAA customer for almost 20 years. My supervisor at my first duty station recommended them for renters insurance. Since then, I’ve used USAA for both banking and insurance. I’ve also had children and saved for their education, had car accidents, made some major purchases, and saved for retirement. Overall, my experiences with USAA have been positive. They have great customer service.

1 year ago

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JimS. Cathedral City, CA

I have been a USAA customer for my home insurance ever since I bought my first house when I was 25. I am now 63. They are excellent. Their service is great and the cost is the best you will find, and they can insure just about everything. If you’re lucky enough to qualify to get service from USAA in the first place, just do it. You cannot do better.

1 year ago

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Warren Grover Seattle, WA

I have been with USAA for homeowners and renters insurance for most of my adult life--I am 74 years old. A great company to work with--in that time I have moved around a lot with the military and then in my civilian life. We are currently in our 15th home and I had renters insurance on 4 different apartments as well before purchasing my first house. USAA is easy to work with and has outstanding customer service if you need to contact them. The USAA website is very comprehensive and user friendly.

1 year ago

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MGW San Jose, CA

I've been with USAA for all of my home and car insurance for about 10 years and intend to stick with them. They are not at all the least expensive insurance out there, just the best in terms of customer service and care. I did a lot of research before going through the process of getting an account, quotes, and signing up. Much as it's a cliche with insurance you do get what you pay for. They are incredibly helpful, kind, and provide amazing customer service.

1 year ago

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peter harmatuk Poolesville, MD

The ABSOLUTE best company around for all types of insurance, on-line bank services, credit cards, home and auto lines and insurances. I have been a satisfied customer since 1977 and go no other place when I need a financial instrument. Their home owners insurance is some of the lowest cost instruments in the marketplace. Low cost does not mean low service. Often my claims have been settles before I even complete the paperwork. Household claims are often paid without an inspector based only on the integrity of the claimant.....we are USAA for LIFE

1 year ago

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Patti Crawford Appleton, WI

I have had USAA for around 29 years now. I have been through a fire, hail, and flood and could not be any happier than I am with USAA.

5 months ago

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Daniel Fowler

USAA was the Insurance of choice. Being Military, this was the best insurance out there. However, as time went by, the rates went up and up. I had no claims but every 6 months it went up. USAA by all means is the best when it comes to customer service and support, but I just couldn't afford them after many years of being with them.

5 months ago

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jamee emens Scottsdale, AZ

I have been a USAA member for 30+ years. USAA is a reputable company that will fight for you. The representatives are knowledgeable and easy to get in touch with.

5 months ago

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