USAA Homeowners Insurance

USAA has been first rate. Recently, we had our hot water heater blow up and pretty much mess up our entire basement. Once we called USAA, they got right on the case. They had clean started within 24 hours; assessed the damages and provided a first rate recovery company. And, they were very easy to deal with. We love the everything about them.

USAA is a reliable insurance company that does what it says it will and provides great Customer service. I have been a customer for 45 years. When I have had a claim, they handled it quickly and professionally and it was resolved to my satisfaction. I will be a USAA customer for life.

I have used several companies over the years, but USAA stands out for me. Rates are fair and customer service is easy to work with. My only concern is, they have minimums on house content coverage which I would prefer if I could determine on my own. Finally, I made a claim a few years ago when we had a break in, they handled it quickly and without issues which helped us weather the hardship.

Starting with my stepfather, our family has been protected by USAA for over 30 years. We are consistently getting dividends every year, whether we filed a claim or not. When my mom's roof suffered unseen damage due to high winds, they were there to get us the money we needed to replace the roof and the subsequent water damage.

I've been a USAA banking and insurance customer for 8 years and have always appreciated their customer service - though I am a pretty low maintenance customer. I recently filed my first claim for flood damage from renter's insurance. My representative explained the process to me, and it was fairly simple. I accounted for the damage to my belongings and I tried to be reasonable in my evaluation of the replacement cost. However, I also knew that my USAA adjuster could have argued that some of my my goods were salvageable or repairable at a lower cost than replacement. I expected a little less than I asked for, but I wasn't sure how much less.

USAA use to be great! However, since this pandemic it seems like their service and professionalism has went downhill. For the last month, I have had to deal with an indignant field adjuster and another that seemed great at first. However, he has been untrustworthy as well. I just want my home repaired and USAA just want to spend as little as possible, band-aid repairs, and ignore other aspects of the home. It has been very disheartening and frustrating dealing with them.

I have been a faithful member of USAA for 32 years. I have spent tens of thousands of dollars getting my two houses and two cars covered. I have never missed a payment or been late on a payment. I mailed in my payment on 11/2. On 11/8 I received an email saying my payment has not been posted. On 11/9 I received a text message stating that policy cancellations were starting and my policy is being canceled. I called USAA six times and talked to six different agents to explain to them that I had mailed the payment and that perhaps the mail was delayed due to the ballot counting and that the USAA needs to email me or text me that my policy was not been canceled.

I have used USAA to insure my home since 2010. They wanted me to insure my home for more than $100,000 over replacement cost. Even though I argued against this, they assured me that they would provide outstanding coverage because I did not know the cost to replace. OK. In 2014, Arlington, TX had a very bad storm with 90 mph winds that blew off the roof of a building 200 feet away from my home. I called in a claim. The adjuster they hired, arrived at my home by limping out of his truck, getting on his ladder and peering at my roof. Even though I had damage to my patio furniture and roof, he said I had very little damage -- so little damage, he would not write up an estimate because there was no hail damage. I told him I reported WIND damage.

My neighborhood sustained a hail damage on March 17, 2019. Almost immediately the entire neighborhood had their roof replaced by their individual insurance company. USAA in whom I’ve been a member since 1978 has refused to cover for the roof replacement. It’s been over a year now and the house has started to leak and USAA continues to deny my claim. Everyone of my neighbors have their roof replaced and paid for by their insurance company. PLEASE STAY AWAY FROM USAA. They were good company before but not anymore. Their price is high and it keeps getting higher.

I am a retired Vet and purchased USAA insurance for my home. After 7 hail storms and 2 tornados USAA refuses to replace my roof. I now have no home insurance because no company will cover me until the roof is fixed. USAA is not the same company they use to be. My roof leaks and is destroyed and all my neighbors received new roofs but not me. Stay away from USAA.