USAA Home Insurance Review: Ratings and Quotes (2025)
USAA is an excellent home insurance option for veterans, active military members, and their families.
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Written byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
Founded by Army officers more than 100 years ago in Texas, USAA offers insurance coverage exclusively to active-duty military, veterans, and their families. USAA is the fourth-largest home insurance company in the country by market share, with nearly 7% of the U.S. market.[1]
While USAA is an excellent choice for home insurance for people who qualify, it’s worth it to compare home insurance quotes from multiple companies before buying a policy.
USAA home insurance at a glance
USAACompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 737 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $146/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $206/mo |
If you qualify for USAA coverage, you can get affordable rates, various discounts, and numerous home insurance coverage options, such as complimentary replacement cost coverage. Staying true to its military origins, USAA doesn’t make active-duty and reserve military members pay a deductible for any covered losses to personal military clothing and belongings.
Pros
Affordable rates
AM Best financial strength rating of A++ (Superior)
Fewer-than-average number of complaints with the National Association of Insurance Commissioners (NAIC)
Cons
Available only to military members, veterans, and their families
No physical locations
1.2 out of 5 stars on Trustpilot
USAA home insurance coverage options
USAA offers all the standard home insurance coverages and some additional optional coverages to protect your home.
Dwelling coverage
Dwelling insurance covers your home’s structure and appliances from covered perils like fire, theft, and certain weather events.
Other structures coverage
Other structures insurance can pay for damage to things not attached to your home, such as garages, sheds, and fences.
Personal property coverage
Personal property insurance covers damage to personal belongings such as clothes, electronics, and furniture.
Personal liability coverage
Personal liability insurance can pay for your legal costs if someone incurs an injury on your property or if you damage someone else’s property.
Medical payments coverage
Medical payments insurance covers medical costs for people injured on your property, regardless of fault.
Loss of use coverage
Loss of use insurance can cover the cost of living expenses such as hotels, food, and laundry if your home is temporarily uninhabitable after a covered event.[2]
Optional USAA home insurance coverages
USAA also offers some optional home insurance coverages that you can tack on to your standard home insurance policy.
Loss assessment
Loss assessment insurance covers expenses you have to pay if you live in a community with shared properties, such as a community hall.
Identity theft
Identify theft coverage can pay for up to $5,000 of damages resulting from identity theft.
Home protector
USAA’s home protector coverage can pay for 25% more of your coverage limits for dwelling and other structures after certain covered losses.
Water backup
Water backup insurance covers damages caused by sewage or water backing up into your plumbing from outside and damages from sump-pump overflow.
Earthquake
Earthquake insurance can pay for damages to your home and belongings after an earthquake.
Personal injury
Personal injury coverage pays for expenses related to libel, slander, and defamation if someone accuses you of damaging their reputation.
Electronics
USAA offers electronics coverage to pay for extra expenses for personal electronics, such as computers, phones, TVs, and gaming systems.
Availability of USAA home insurance
USAA offers home insurance in Washington, D.C., and all 50 states. This means that if you move, you won’t have to switch your home insurance company.
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USAA home insurance cost
The average cost of a $300,000 dwelling policy from USAA is $1,954 per year, significantly less than the U.S. annual average of $2,584 for the same $300,000 dwelling policy. But it’s not the cheapest available home insurance option. American Family, Erie, and Westfield all offer lower average annual rates than USAA for a $300,000 dwelling policy.
USAA average rates by dwelling coverage amount
USAA offers one of the most affordable rates across the country for home insurance. Take a look at the table below to see how its average annual premium changes based on your dwelling coverage amount.
Dwelling Coverage Amount  | Average Annual Premium |
|---|---|
| $100,000 | $1,006 |
| $150,000 | $1,256 |
| $200,000 | $1,506 |
| $250,000 | $1,730 |
| $300,000 | $1,954 |
| $350,000 | $2,165 |
| $400,000 | $2,375 |
| $500,000 | $2,782 |
| $1,000,000 | $4,591 |
USAA average rates by state
Vermont has the lowest USAA home insurance rates in the country, with an average annual rate of $923 for a $300,000 dwelling policy. Check out the table below to see USAA’s rates in other states across the U.S.
State | Average Annual Premium |
|---|---|
| Alaska | $1,289 |
| Alabama | $3,936 |
| Arkansas | $2,500 |
| Arizona | $1,578 |
| California | $1,102 |
| Colorado | $3,043 |
| Connecticut | $1,805 |
| Georgia | $1,915 |
| Iowa | $2,077 |
| Idaho | $1,572 |
| Illinois | $1,411 |
| Indiana | $1,804 |
| Louisiana | $3,661 |
| Massachusetts | $1,546 |
| Maryland | $1,379 |
| Michigan | $1,841 |
| Missouri | $1,790 |
| Mississippi | $2,432 |
| Montana | $1,919 |
| North Carolina | $3,290 |
| Nebraska | $1,364 |
| New Hampshire | $1,152 |
| New Jersey | $1,554 |
| Nevada | $1,215 |
| Ohio | $1,308 |
| Oklahoma | $5,442 |
| Oregon | $819 |
| Pennsylvania | $1,261 |
| South Carolina | $2,235 |
| South Dakota | $2,587 |
| Tennessee | $2,034 |
| Texas | $3,712 |
| Utah | $1,368 |
| Vermont | $923 |
| Washington | $1,599 |
| Washington, D.C. | $992 |
| Wisconsin | $1,464 |
| West Virginia | $1,055 |
| Wyoming | $1,383 |
How customers feel about USAA home insurance
USAA has excellent industry ratings, but the company has mixed third-party customer ratings. The insurance company earned strong scores from AM Best, J.D. Power, and the NAIC. USAA only earned 1.2 out of 5 stars on Trustpilot, with many customers complaining about rate increases.
USAA industry ratings
It’s important to consider how third-party industry agencies rate insurance companies you’re considering. The following companies score and rank insurance companies through an unbiased lens. Reviewing these rankings, and what they mean, can help you determine what insurer is right for you.
Learn more about how USAA ranks below.
Rating | Score | What This Means |
|---|---|---|
| AM Best | A++ (Superior) | USAA is excellent at paying claims and has the ability to do so. |
| J.D. Power | 737/1,000 | USAA has the highest overall customer satisfaction ranking of any insurer. |
| NAIC Complaint Index | 0.33 | USAA homeowners filed a below-average number of complaints. |
USAA home insurance discounts
Home insurance discounts are one of the best ways to keep your monthly premiums low. Discounts are an important factor to consider when deciding on an insurance company to protect your home. USAA offers multiple different ways to save.
Discount | % Discount | How to Qualify |
|---|---|---|
| Protective device credit | Up to 5% | Must have a monitored home security or fire alarm system |
| Connected home | Up to 7% | Must have qualifying smart home devices in your home |
| Multi-product | Up to 5% | Must have at least one other USAA product |
| Loyalty savings | Up to 5% | Must have a USAA property policy for three years straight |
| Claims-free | Up to 15% | Must not submit any claims for five or more years |
USAA insurance bundling options
USAA offers a discount of up to 10% if you have both an auto insurance policy and a home insurance policy with the company. You can also save up to 5% if you have home insurance and one of the following USAA insurance coverages:
Rental property insurance
Renters insurance
Valuable personal property insurance
Umbrella insurance
Life insurance
Bank product
How to file a home insurance claim with USAA
Follow these steps if you need to file a home insurance claim with USAA:
Document the damage. You should first document all damages. Take pictures and video of visible damages, and write down notes on any damage you believe occurred but isn’t visible in photos or video.
Inform USAA. Contact USAA as soon as possible online or by phone to file a claim. You’ll need to do this within 72 hours of the incident. Provide USAA with all the damage details and documentation.
Keep track of communications. Make sure to keep track of all communications you have with USAA, in case you need to revisit timelines or details later on.
Meet with an adjuster. USAA will then assign an adjuster to inspect the damage at your home. Make sure you’re home when the adjuster comes by so you can walk them through the damage.
Review your settlement offer. USAA will make a claim-settlement offer based on both your and the adjuster’s damage assessments. Review the claim closely and ask any questions you might have. You can then either accept the offer or appeal it.[3]
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USAA vs. other insurance companies
Many excellent insurers offer home insurance coverage. It’s a highly saturated property insurance market. Here’s how USAA stacks up against some of its top competitors.
USAA vs. Allstate
Allstate is the second-largest home insurance company in the U.S. by market share, with 9% of the market, beating out USAA by two spots. Both insurers offer numerous home insurance coverages and discounts. But Allstate is available to all homeowners, not just military members and their families.
USAA automatically includes replacement cost coverage, while it costs extra with Allstate. USAA also has the lower rate, with a $300,000 dwelling policy costing $1,954 per year. The same policy from Allstate costs $2,401 per year, on average.
USAA vs. Liberty Mutual
Liberty Mutual is the third-largest home insurance company in the U.S. by market share, with almost 7% of the market. Both insurance companies are reliable options with numerous coverages and discounts, but Liberty Mutual is available to more than just military members and their families.
Liberty Mutual offers some unique home insurance discounts, such as 10% off if you purchase your policy online. But if you qualify for it, USAA is typically the better option. It offers some of the lowest rates in the country, with a $300,000 dwelling policy costing an average of only $1,954 annually. Liberty Mutual provides replacement cost coverage with standard policies.
USAA home insurance FAQs
If you’re still not sure whether USAA is the right insurer for you, take a look at these answers to some of the most commonly asked questions about USAA home insurance.
Is USAA legitimate?
Yes. USAA is a legitimate insurance company. AM Best gives it an A++ (Superior) financial strength rating, which indicates its ability to pay out claims.
What is the average cost of USAA homeowners insurance?
The average cost of USAA homeowners insurance is $1,954 per year for a $300,000 dwelling policy, according to Insurify data. This is significantly cheaper than the national average of $2,584 for the same policy.
Is USAA good at paying claims?
Yes. USAA is good at paying claims. It earned an AM Best financial strength rating of A++ (Superior), indicating that it’s very capable of paying out claims.
Who qualifies for USAA homeowners insurance?
Active military members, veterans, and certain family members qualify for USAA homeowners insurance. Call USAA to see if you qualify for coverage.
Is USAA insurance really cheaper?
In some cases, yes. USAA insurance can be cheaper than competitors. It has one of the cheapest annual premiums in the country, with an average annual rate of $1,954. But every insurance company determines rates differently, so it’s important to compare quotes from multiple insurers before buying a policy.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- National Association of Insurance Commissioners. "2023 Property and Casualty Market Share."
- USAA. "Homeowners Insurance Coverage."
- Insurance Information Institute. "How to file a homeowners claim."
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Danny Smith
Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Danny has been a contributor at Insurify since March 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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