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USAA

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7.4

Overall Score

LAST UPDATED: March 13th, 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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4.7

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174 Reviews

Review Breakdown

5 grade

79%

4 grade

10%

3 grade

6%

2 grade

3%

1 grade

2%

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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.

10 months ago

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Jill Binette Martinsville, IN

Not always the cheapest anymore but USAA provides some pretty fantastic insurance, especially if you bundle. I did recently shop my auto coverage and State Farm offered me a substantial discount I chose not to change tho. USAA is just too hard to beat in the customer service department.

10 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.

1 year ago

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David Young Virginia Beach, VA

USAA is definitely a great company. The customer service is amazing and the customer representatives are very knowledgeable about the services they offer.

7 months 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.

1 year 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.

1 year ago Edited October 13, 2022

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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.

1 year ago Edited October 5, 2022

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AnRe Philadelphia, PA

My mother had this insurance and she was quite pleased with them. When I took over her financial issues as her power of attorney I had to deal with USAA and I never had any problems. My experience dealing with their customer service was pleasant and helpful.

2 years ago Edited March 21, 2022

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Foote Queen Creek, AZ

USAA was very helpful and I was able to do this over the phone. After we were done, they reviewed the insurance I asked for and then gave me options that might make it better for me. They were very helpful and easy to work with.

5 years ago Edited September 14, 2021

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peggy cherry Fayetteville, NC

I’ve been with USAA for over 5 years now. Custer service is great but sometimes the adjusters they send you are not. Overall I have been happy with my service.

9 months ago Edited June 8, 2023

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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.

1 year ago

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Mario Martin Houston, TX

I currently use this service provider and I've had some good experiences. The product services are both reliable and reasonable. And as a member of the veteran community I couldn't ask for more from my insurance provider!

2 years ago Edited February 9, 2022

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Mason Allen Provo, UT

I have a great bundle for home insurance and it helps me feel comfortable that we would be covered in case of emergencies. It is not the cheapest insurance out there but great coverage and support.

3 years ago

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Michael Caslander Sunnyvale, CA

Have been with this company for years. They have always paid claims that I have submitted quickly and without question.

6 months ago

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Dianne Quincy, FL

Good insurance company price higher than what I have now

5 months ago

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NAVARRA IRIS SEBASTIAN McDonough, GA

I HAVE USAA AND THE COVERAGE IS COMPLETE. MY HOME & CAR ARE COVERED. I FEEL REALLY GOOD ABOUT USAA

2 years ago

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Jazz Rock Fusion & Synthesizer Music Wake Forest, NC

Trustworthy company that has been around for decades. Strongly recommended.

1 year ago

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Brad Kendzora Oakland, CA

No issues with the insurance, but haven't needed to file a claim.

1 year ago