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 is very easy to set up. They have optional payment plans, which makes it easy for my budget. And, while lowering my overall cost (for home + cars), they gave me more coverage on my homeowners policy. Very friendly people.

I have never had a problem with a claim with USAA. They have only their own employees. They don't hire a third party, like Liberty Mutual does, who don't care about you because they're not who your policy is with. And they have huge discounts for bundling bank accts and insurance accts.

Having been with USAA for over 40 years I expect fair treatment. Recent experiences have made me wonder who they're interested in serving. My son's car was hit while parked, but they've claimed it was his fault and increased his premiums. I have a home up north but staying with a friend in Florida. USAA tried to increase my premium to a landlord/rental policy even though it isn't being rented. Why are we being treated like distrusted strangers after 40 yrs of on time payments and no at fault accidents?

In May of 2017 we bought our house, in late June, we weekended in San Diego. Came home early Monday morning, to 1890 sq ft of our home was 5" deep in water, as the line busted, actually blasting a hole through the vanity, then ceiling, which caused one side of the entire bath, and bedroom wall. Immediately called USAA, they told me to call a flood company, we went to a hotel for 3 months, while work was done to repair it. We stacked, as best we could, all of our furniture and possessions into the part of the house that didn't get soaked. USAA always paid the hotels (Twas coverage we'd already paid for,) and we'd be in our own home again. USAA's preferred contractor was out here for 2 days, sometimes there were 3 of them assessing the damages, but their outside claim's adjuster, was always way out of line, on the 20% to the lowest they'd pay, and no one here wants to argue with USAA on the costs to repair.

I have never had to use mine, but expect them to be easy to work with. I use them for car insurance and they have been easy to work with. They are easy to get in touch with, easy to talk to and ask all the correct questions.