USAA Homeowners Insurance

USAA is hands down the #1 insurance company in America. I submitted a claim due to a broken furnace that had sustained water damage. I began getting frustrated with my adjuster for how long it was taking. This was my first time submitting a claim and I wasn't aware of the length of time it usually takes. He was gathering information and working a bunch of other claims at the same time. I have to admit I was a little rude and even threw in the towel at one point telling my adjuster to close my claim and that it wasn’t worth the trouble. He was very patient with me throughout the whole process and didn’t give up on me. Scott at USAA really took care of me. I will continue doing business with USAA for another 20 years thanks to Scott!

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.

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.

Been with USAA for over 34 years but will be changing companies immediately! We had pipes burst due to freeze which poured over 2 inches of water into our Master Bedroom and Master bath. Only received one call in over 2 1/2 weeks from a USAA representative!! Horrible customer service!! All walls in the bath were soaked including cabinets and tub which shorted out and would not work. USAA posted an estimate of $595.00 to replace sheetrock in bath only which is grossly inadequate…There is No way to replace sheetrock in Bath without removing tile shower, vanities, Mirrors, Trim, Molding, Tub etc.

I filed for a claim to USAA by a phone call in Nov 2020, the first claim since the house was insured in 2002. During the phone call, USAA customer representative asked me if I needed its recommended contractor/estimator to proceed and I agreed. Yet I did not realize that USAA customer representative never informed me any other options: if I seek my own representation/agent… From that point, the assigned contractor would not respond my requests/calls for the claims only if USAA pressured the contractors (please see all the posts on USAA website). Surprisingly the contractors would call me to pursue a business with a higher price and lower quality.

We have been with USAA for about 35 years. During that time, we have had several large claims for hail and hurricane damages. They always provided sufficient coverage for "good as new" repair. I couldn't be a more satisfied customer.

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 am very disappointed in USAA. I would not recommend them. Whenever I get the chance I make sure to share my experience and try to steer people towards any other homeowners insurance company. They might have been great years ago but to my dismay we found out firsthand just how mediocre they have become. After a storm we had damage to our roof. The roofer and the independent inspector both suggested the roof be replaced. Both warned us that if we had Eerie, State Farm, or one or two others, we would be fine but USAA didn’t stand behind their customers like they used to. Sure enough, our claim was denied while my 3 neighbors with the same problem ALL had their claims approved. Needless to say, we are getting quotes from a few other insurance companies and won’t be keeping our USAA coverage.