4.8out of 3,000+ reviews

USAA - Home Insurance

  • Personalized quotes in 5 minutes or less
  • No signup required

Last Updated February 1, 2022

Click here for our full review of USAA home insurance quotes, discounts, and coverages.

Ratings

Insurify

Composite Score
98
What is this?
J.D. Power Ratings (2019)
RatingsState Average
901Among the best
Financial Ratings
Company NameRatings
A.M. BestA++
Standard & Poor'sAA+
FitchAA+
Moody'sAa1

Discounts

The largest discounts from USAA are: Home Builders Discount, Multi-Policy Discount, Protective Devices Discount

Discount TypeDiscount %
Home Builders DiscountVaries
Multi-Policy Discountup to 10%
Protective Devices DiscountVaries

USAA provides home insurance in the following states:

Company History

Headquartered in San Antonio, Texas, USAA Insurance was founded in 1922 by 25 Army officers who decided to insure each other's vehicles. It now functions as a home, life, and auto insurance company across the country, servicing active and former military service members and their families. USAA prides itself as "one of the only fully integrated financial services organizations in America." 

USAA membership is offered only to active and former military service members (from all the armed forces, including the Army, Navy, Air Force, Coast Guard, and Marines) and their families (including their children, spouses, widows/widowers, and former spouses who were once listed under the policy and who have remained unmarried). If you or an immediate family member have never served in this capacity, you will not be eligible for insurance coverage through USAA.

USAA specializes in services from auto insurance and homeowners insurance to banking and investing services.

USAA has received "among the best" customer satisfaction ratings, according to J.D. Power and Associates' 2018 study, in the areas of auto insurance shopping, auto insurance claims, home insurance, and property insurance claims.

USAA (which stands for United Services Automobile Association) has won multiple awards and rankings, from Fortune's Best Companies to Work For from 2010 to 2015, the number 1 Military Spouse Friendly Employer award from Military Spouse Magazine, to 122nd in Revenue, 53rd in Assets, and 49th in Net Worth rankings from Fortune 500.

USAA Coverage Tiers

TypeAmount
Replacement Cost Coverage
Vandalism Coverage
Theft Coverage
Liability Coverage
Disaster Coverage
Military Coverage
Fire Department Charges
Identity Theft/Fraud Coverage
Home Sharing Coverage

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.