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USAA

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7.3

Overall Score

LAST UPDATED: May 5th, 2024

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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Star Rating

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4.6

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178 Reviews

Review Breakdown

5 grade

78%

4 grade

11%

3 grade

7%

2 grade

3%

1 grade

2%

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Crystal-lee Nunez

I like USAA because even if you're not in the army but your family members off they take care of you just as good no questions asked they always stand to answer your phone calls and they always by your side

1 month ago

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Olden and Golden in Missouri

I am a service provider and have had the pleasure of working with USAA on several occasions while in the process of helping a client file a claim for damages. I have filed claims for dozens of clients with all the common Home insurance carriers. USAA seems to have the least amount of red tape, has the fastest turn around and the people working there have excellent customer service and communication skills.

2 months ago

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Matthew

They made the whole process easy and talked with me each step of the way. The value of the warranty is very competitive, especially with bundling home and auto.

1 week ago

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shirley arington Candler, NC

I've been with USAA for over 40 years and they are absolutely reliable . I've had two instances in the past five years where my kitchen flooded due to a faulty manufacturing glitch in the refrigerator ice maker connection. they were prompt and called in the most perfect company to do water clean up and restoration.

3 months ago

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Jennifer Vallejos Albuquerque, NM

Join join right now! I have yet to receive a quote for insurance that can beat this company they are the best insurance company by far. Love love love them. My husband and myself for one reason or another had the absolutely worst past few years of our lives but these people not only stood by us but listened to me cry and complain about one thing or another and they never not once said anything negative. Please USAA keep up your amazing work and Thank you from my family thank you so much for everything

4 months ago

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Samantha Madero-Craven

USAA stands out for its exceptional customer service and dedication to serving military members and their families. Their range of financial products, from banking to insurance, is tailored to the unique needs of the military community. I've found their rates to be competitive and their online and mobile platforms both user-friendly and efficient. The level of trust and support they offer their members is commendable, making USAA a top choice for those eligible for its services

4 months ago

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Striker 2009 El Paso, TX

USAA is the best company in the insurance world. I have been a member for over 25 years. As a member of the armed forces, I have been taken care by this company multiple times when I was away during four deployments to Iraq. This company will bent backwards to resolve your issues. A good example was when I was stationed at Fort Bliss, Texas. I was in the Target parking lot trying to park my car. As I was backing into the stall, a vehicle tried to squeezed between me and the stall and hit the rear of my car. It turned out the the policy of that vehicle did not covered collision. Once I filed my claim, USAA took care of everything, to the point that I got my deductible back. I can go on and on regarding how USAA takes care of their costumers. I had tried to go with other big insurance company i.e, State Farms, Gaico and they always tell me they cannot beat the prices of USAA...Amazing!! Thank you for having my SIX USAA!!

6 months ago

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Justin Arkin

Do not use USAA. The claims process is a nightmare. They pass you around from adjuster to adjuster like a game of hot potato. Then, they pay pennies on the dollar. I have been a customer for 10 years with NO CLAIMS. They also refuse to communicate. I wouldn’t wish them on my worst enemy!

3 weeks ago

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Dr Matt Phillips Austin, TX

I have been with USAA for 47 years. I do all my banking and have just about every insurance product. An insurance company is only as good as they act when you file a claim. I have had roof damage and they made it easy. More importantly the vendors that they suggest whether it is for car repair or home repair are always high quality. My family members also have USAA. I guess that says it all.

8 months ago

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Tim Syzek Perry Hall, MD

Overall have been a member since 1978, as have some family members. We have homeowners insurance with USAA, and have our condominium property insurance coverages with them. Homeowners insurance links on the USAA website could do with some improvement, especially for military veterans with 100% VA rated disabilities. While looking for more information on the estimated rebuilding costs for our condominium, I was cut off while on a chat session. Unable to readily find more information on the USAA Home Protector coverage, towards rebuilding costs. Our recent claim for property damage to our downstairs neighbor was handled professionally.

9 months ago Edited July 25, 2023

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Dawn Grover

USAA is a reputable insurance company. However, when we had a legitimate dispute as a victim in a car accident, they provided no support at all. Even though we had documentation. Very disappointing in that situation even though we had been customers for nearly 20 years. We ended up going with a different insurance company. But I will say that other than that experience, they were trustworthy.

4 months ago

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Tyrone Walton Atlanta, GA

Great perks with USAA in the event you have a claim. The online portal allows you to view, and open claims. Also USAA reached out via the website to keep you current with projections of the insurance policy so you get the best price on the market for your policy

7 months ago

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Matthew Houston, TX

THE BEST insurance company of all time, their customer service is all US based and like no other. They will fight to the death to help you in an auto claim or homeowners insurance. I will NEVER switch out of USAA they really care for and take care care of their customers beautifully!

8 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.

2 years ago

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Lorraine S Bradenton, FL

I never thought about USAA Homeowners Insurance until my previous Homeowners Insurance company wouldn't cover us if we Net Metered our solar system back to our electric company. The whole point of going solar was to decrease our electric bill and give what energy we create from solar back to the grid. I went online and got a quote from USAA. I had questions about the coverage and called to talk to an agent. They walked me through the process and gave me options. The USAA representative was so friendly, professional, and very patient with all my questions. I received email reminders about when my bill was due and the various options of paying. I was able to use my credit card to pay for the policy which made it more manageable. I was so impressed with not only the representatives but also the savings that USAA offered that I switched my Auto, Umbrella, and Wind/Hurricane policies to USAA.

1 year ago

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Nilsa Gonzalez Dallas, TX

USAA is a great insurance provider. Their cost is the lowest we found, and the ease of services is always a plus.

2 months ago

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Mavris odunayo

USAA is the best insurance company we make use almost everyday their customer services doesn’t speak English to their client only they speak another languages also

4 months ago

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Laurie Shannon-Bailey

I have used USAA for several years for my home insurance . The customer service is great and highly recommend this company. I also appreciate their intentional support to Veterans.

6 months ago

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David Elder San Antonio, TX

I use them as a bank mostly but great for all other services their home insurance is and was a little to high for me compared to other companies but they have 24 hr service which is a plus

7 months ago Edited September 27, 2023

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Peter Fucci Medford, NJ

Not only do they offer the best home insurance rates, but we have all our insurance, auto, etc, with them and do all our banking through them as well. Great company that we've been part of for over 45 years.

7 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.

2 years ago

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JB Newport, MI

Currently use USAA for Medicare Supplemental Plan G AND RENTERS INSURANCE. Every time I've contacted USAA with questions or needed assistance I have been treated with patience and respect. The reps do their best to answer my questions and assist me.

9 months ago Edited August 15, 2023

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TC B Florissant, CO

USAA- all of our services are through here. Great service, great company, great rates! Regarding homeowner's insurance- we had hail damage to our roof; the adjustor came out quickly and the process of filing the claim and receiving payout was effortless. In addition, our rates did not go up because of this claim. USAA....the best!

9 months ago Edited August 11, 2023

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Bunny Garlington Weatherford, TX

I had USAA insurance for many years. My ex husband was Military, so it made sense. I never had a worry when I had my home insured by them. I have ever only needed a new roof after a terrible hail storm. By having an Insurance leader we knew we were covered. I was sorry to lose the coverage when we divorced.

10 months ago

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David Adrian Morales Weslaco, TX

I love my USAA! They have always treated me right and taken care of me. It is pricey at times but the service is top notch so its worth it. Customer service is usually always on point. Claims are easy to submit and process. Very good Insurance provider and financial service.

11 months ago

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joe martins Plano, TX

I recently turned my insurance over to USAA and was pleasantly surprised to get lower rates then my previous carrier. Phone contact was simple everything explained and gone over step by step and as I was asked questions the agent kept offering me discounts. Yes, what a pleasing experience would highly recommend USAA just you or a family member have to be a veteran.

1 year ago

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Rafael Matthew Jamaica Plain, MA

I've been a USAA customer for almost 10 years and can confidently say that it is one of the best insurance companies out there. The coverage they provide is top-notch, the customer service is always friendly and helpful, and I never feel like I'm being taken advantage of. USAA is a reliable insurer and one that I would highly recommend to anyone looking for quality insurance coverage.

1 year 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 year 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.

1 year 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!

1 year 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.

1 year 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!

2 years ago

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EB

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.

2 years 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.

2 years ago Edited January 3, 2022

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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.

2 years 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.

2 years 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

3 years ago Edited September 14, 2021

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Astrid Monroe, NC

Wonderful to work with, easy to file, great customer service and they are quick to respond.

2 months ago

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Gypsy Petz Edgemont, SD

Great service and trustworthy. Been with them for may years and all has been positive!

2 months ago

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Anne

USAA offers very knowledgeable people, you can access information easily online and when you need help, a “live” person can advise you!

4 months ago

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BULL RIVERS

No financial institution beats USAA, great customer service, super professional and knowledgeable staff and great products. 5 stars!

5 months ago

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Eric K New York, NY

This is the absolute best insurance company. Rates are great and every time that I have filed a claim, the process is smooth and I have been satisfied with the resolution.

6 months ago

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Jowara Morgande

They are great home insurance company. They fix everything and it's an easy process and they always have great customer service to help with claims. The price is right.

7 months ago Edited October 5, 2023

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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.

1 year ago

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J. Goodale Elm City, NC

I have been a member of USAA for over 40 years. They have been very responsive with all property and auto claims. Although prices have definitely risen, I think they are still competitive for the value you receive.

10 months ago

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Frankie Oxendine Fayetteville, NC

My family and I are life-long USAA members and truly value how they have taken care of us throughout the years. We use USAA for our home and Auto insurance and have found that the customer service is exceptional.

11 months ago Edited May 26, 2023

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Satoria MoonGoddess

I'm a veteran widow. They have amazing rates on their home policy as well as car insurance and personal property. They offer a wide variety of financial services and the customer service is amazing. They are very patie d and understanding.

3 months ago

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Emma Morrill

USAA has been great for our car, renters, and property insurance. They are quick to respond and it is easy to change your policy when moving or selling vehicles. It would be great if they had more overseas representatives considering they are a military based company. When stationed in Guam we had to stay up until 2am in order to contact someone CONUS to help solve a problem.

1 year ago

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Joyce Blocker Lafayette, LA

We had a windstorm one year and it knocked out a lot of the power lines in the area. We were without power for days and USAA reached out to us to check on us. They kept in touch until the power came back on and reimbursed us for all the food that went bad in our fridge and freezer.

1 year 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.

1 year ago