USAA Homeowners Insurance Reviews

I strongly advise against using USAA. Despite being a loyal customer for over 15 years, along with my extended family, my experience with them has been nothing short of a betrayal. It is astounding that a company which prides itself on serving those who have served our country can be so neglectful. I am currently facing severe financial strain due to a major storm that has rendered one of my homes uninhabitable for the past nine months. During this time, I’ve continued to pay the mortgage on a property that neither I nor any tenants can use, which is jeopardizing my ability to keep up with my other expenses and mortgage payments.

In the span of a yr. USAA has sent four ** guys to assess my roof. Each time I receive a statement under 2k. My contractor clearly informed USAA, I need a new roof. Being a ** customer, I wonder if a ** customer, had roof issues would they issue a full payment for a new roof, instead of me filling a claim. Every time it rains, only to be given a settlement for patchwork. Yep, patchwork. The roof is over 20 yrs old. USAA is awful for damage claims.

USAA asked to take on my property insurance when Security First backed out due to the life of my roof. I went through a wind storm on Sept 28 2022 & called Security First to inspect roof and they said everything was fine. Security dropped me as a policy holder stating the roof was too old. USAA called me and said they will take on my property insurance to then find out I had wind damages under Security First. USAA s/h sent Security First the bill, if you asked me.

Been with this company for 20 years which really does not mean anything to them. Transparency is lagging with this organization. They raise rates without even speaking to the customer or providing any sort of communication. Your Homeowner's rate is now also determined by your credit score. Customer service is also lacking and you have to fight with the automated system to speak to anyone. Welcome to your future with automation. Do I recommend them: no. We used to previously have great service with USAA, but that has changed. They are no longer a company I recommend.

I’ve relied on USAA for several years. I’m a senior citizen on a fixed monthly income and USAA just increased my renter’s insurance by almost $60/year!! I called to inquire why my insurance went up so much with no prior notice. The only options to get my prices lowered were to lower my coverage — I’m at the bare minimum coverage now, or to raise my deductible — currently $500 to $1,000!!! This is nothing but pure GREED!! My cost of living has drastically increased and I depend on my social security retirement to live. This is totally unsustainable!! I’m so tired of the current trend everywhere with GREED! Shame on you USAA!

The worse experience with an insurance company, filed a homeowner's claim with water damage. They say it's long term damage but yet the "long term" damage was able to be cleared up in a few days by myself and the wood and the water damage wasn't long term since it just started. Tried to get a manager to dispute it around 6 times, told they would call within 24 hours and 3 days later no call and the agents claim he called and left a message. No message or call and no results, going on a week and a half and just keep getting the runaround and transfers to other people who can't get me answers.

I had a terrible run in with USAA while submitting a claim. I think that they are normally good but clearly they still hire bad people. Her name was Sandy and she was claims service agent. If you hear her name..RUN.

USAA is guilty of a bait and switch scam! I spent 2 hours on the phone with Charity going over every detail of my home and the fact I'd been involved in a no-fault-builder-negligence homeowner's claim during the previous 12 months. We discussed the repairs and upgrades made to the home during that repair work. She had access to the county tax records and the drawing matches the blueprint of my home. It was built 5 years ago as a model home and nothing was changed. I received her quote and it was cheaper than my current insurance with better coverage. I called to start that policy since my mortgage company requires it to go through escrow and I can't just pay it myself. When I called, suddenly the quote Charity sent wasn't accurate. The original porches of the house weren't included.

Do not trust USAA Insurance! 36 years of being a member means nothing to them. In August 2023 we experienced a major water leak and contacted Roto-Rooter for clean up and remediation. USAA paid Roto-Rooter the full amount with no issues. Exactly 30 days later, we experienced another major water leak in another room in our house and again contacted Roto-Rooter for the water cleanup and remediation. This time, USAA determined Roto-Rooter's rates were outside of the industry standard and refused to pay the full amount that Roto-Rooter charged. Even though Roto-Rooter stated several times their rates for our area had not changed in over two years.

I’ve been a long time customer of USAA for all of my insurance and banking needs and up until now, have had very good interactions with them. Usually they are very responsive and helpful and rarely kept me waiting for anything. I guess everything is fine until you try to file a claim against your homeowners insurance. The case manager assigned to my claim did not seem to understand the details of my situation and quickly found some minor detail to dismiss my claim. The next day I called back to request more information and was met with her voicemail. I’ve left messages every day this week on her and her managers extensions and have heard nothing.