• Cons
    Services are limited to active military members, veterans and their families.
  • Coverage Type
    Moderately comprehensive
  • Discounts Type
    Standard
  • Consumer Complaints
    USAA has received significantly fewer complaints than expected relative to its size in the home insurance sector, according to three years of data from the National Association of Insurance Commissioners.
  • Digital Experience
    USAA's website features an advice section where you can access information on various topics such as what homeowners insurance does not cover and how to prepare for a hurricane. There's a chatbot for quick queries. After logging in to the user portal, you can pay your bill, manage your policies, file and track a claim, set up autopay, or chat with a live representative., USAA also provides a mobile app for managing bills and claims. This app also provides access to other USAA services such as checking, savings, and credit card accounts. It's available on iOS and Android platforms., We encountered some challenges obtaining coverage information from USAA's phone agents. After a four-minute wait, we were connected to a representative who directed us to the home insurance department for answers. Unfortunately, we couldn’t obtain the information without verifying existing USAA membership or signing up as a new member., In a second call, we connected with a representative after a three-minute wait. We were informed that we would be transferred to an agent in our state to discuss membership details and coverage. After five minutes on hold, we decided to hang up., In our final attempt, we waited five minutes to connect with a human. The representative couldn't clarify our question about actual cash value vs. replacement cost coverage but confirmed that USAA offers water backup coverage. However, for more details, we would have to speak with a licensed agent., We also initiated a chat, but the virtual assistant was unable to answer our initial coverage query and redirected us to other contact options.
  • Discounts
    Car insurance with USAA., Installation of certain smart home devices., Being free of claims for at least five years., Continuous insurance with USAA for three years., Including other USAA insurance products such as renters, umbrella, and life insurance.
  • Falls Short
    Limited availability. USAA's restricted eligibility is a significant limitation. It only caters to the military community, not the general public.
  • Contacting Customer Service
    You can reach customer service by phone at 800-531-8722 every day except Sundays and major holidays. For basic queries, you can also use USAA's virtual agent anytime.
  • Claim Filing
    Claims can be filed on the USAA website, through the app, or by calling 800-531-8722. You can track your claim or get in touch with your adjuster through the site's claims center. For further assistance, refer to the guide on how to file a home insurance claim.
  • Not Covered
    Your car insurance with USAA., Installation of certain smart home devices., Being claim-free for a minimum of five years., Being insured by USAA for three consecutive years., Adding other USAA insurance products like renters, umbrella, and life insurance.
  • Optional Coverage
    Additional insurance for valuables. Certain items such as jewelry, musical instruments, and fine art may require extra coverage., Flood insurance. USAA can assist you in obtaining a flood policy from the National Flood Insurance Program or a private insurer., Earthquake insurance. This coverage may be worth considering if you live in a high-risk area., Home Protector coverage. This enhanced coverage includes additional protection for debris removal and updating your home to meet the latest building codes after a claim. It also provides extra dwelling coverage in case rebuilding costs exceed expectations.
  • NAIC Complaints
    Significantly less than anticipated
  • Pros
    Includes coverage that typically comes at an additional cost from other providers., Significantly fewer customer complaints than expected for a company of its size., Pricing is below the national average, based on our analysis.
  • Standar Coverage
    Dwelling. Provides coverage for repair or rebuild of your home's structure., Other structures. Protects unattached structures like sheds or fences from damage., Personal property. Offers compensation for repair or replacement of personal belongings such as furniture or clothing., Loss of use. Covers expenses like hotel stays or meals if your home is undergoing covered repairs and you need to live elsewhere., Personal liability. Covers legal costs and damages if you're liable for injuries to others or their property., Medical payments. Provides coverage for injuries to guests in your home, regardless of who's at fault., Replacement cost coverage. In case your belongings are damaged or stolen, USAA typically reimburses the cost to replace them with new items, not the depreciated value. This coverage is standard, not extra, and the company pays either to replace an item or restore or repair it, whichever is cheaper., Identity theft coverage. If you become a victim of identity theft, USAA provides up to $5,000 to cover expenses to restore your reputation. However, this coverage is not available in all states., Home-sharing coverage. In certain states, this standard coverage pays for damage occurring when you rent out a room or your whole home on platforms like Airbnb., Military uniform coverage. If your uniform is damaged or stolen during a covered event and you are on active duty or deployed, USAA will reimburse you without a deductible.
  • Stands Out
    Minimized consumer complaints. The relative lack of complaints to state regulators suggests a high level of customer satisfaction among USAA policyholders., Benefits for military homeowners. USAA offers unique benefits such as coverage for personal belongings lost in war and deductible-free insurance for your uniform.
  • State Availability
    Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
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