USAA Homeowners Insurance Reviews

I have been trying to get claim paid since January. I have paid to have repairs completed because the CSR said I would be reimbursed. Now she does not respond to voice, text, direct message. The worst experience I have had with USAA in over 20 yrs. I just want to be reimbursed.

Have been a customer of USAA for decades having not filed a claim and just last year had my insurance raised by $900 a year, after several hailstorms we filed a claim $35k in damages. USAA wrote us a check for 10k. I have heard of one bad experience after another. I'm done with USAA and I hope the company goes bankrupt but I know that won’t happen because they keep all the money.

USAA is by far the worst company that I have had to deal with for anything; it's unfortunate that they are covering my home that was destroyed in a storm in May of last year. They have dragged on the process with their egregious underestimation of our initial scope of damage, lengthy review processes that can take up to a month, unfamiliarity with my policy, incompetence, refusal to speak with contractors or recommend USAA contractors, and general unhelpfulness from a customer service perspective. One of the managers even started our initial call screaming at me and dropping ** bombs when I pointed out additional scope that inspectors failed to capture. My biggest regret in my life is signing up for USAA insurance and I implore anybody reading this to stay as far away from this company as you can.

We have been a customer of USAA for many decades. We certainly do pay and yet we had to make a claim on our roof damage and the will only pay half. We can’t replace half a roof. If we had banked all the money we paid them for decades I could afford the bill for the roof. As with most insurance companies this is just another one that now feels like a scam. It’s illegal not to have it but what’s the point if they don’t cover you when you need it. I want all my money back!! So I can afford a new roof.

So disappointed in USAA. I have had USAA for almost a decade. I ask for a HomeOwners quote. They issued me a policy on a home that wouldn’t be finished for 2 months. I reached out 5x to get help. My account was canceled for non payment of services I didn’t have and I was told I had to pay 30% upfront to restore the only service I actually had from them. Just can’t believe they are that hard up that they knowingly insisted on payment for services not rendered. That has to be some form of waste, fraud, or abuse. I wasted my money on fraudulent charges which really makes me feel abused. Do better USAA

I filed a claim for my home, which was damaged by a hurricane in October or 2024. We are not able to live in the home due to the damage. To date, I have received no reimbursements for houses that I have been forced to rent or food that I have purchased, either restaurants or food markets. It has been five (5) months since I filed this claim. I have been a member of USAA for over 40 years. I've filed claims before and I have been very happy with their response. But I have never had the run-around that I have received for this claim. I don't recognize this company as being the same as the one I joined in 1983. Recently a Consumer Reports review of insurance companies showed that USAA had dropped to 4th or 5th from 1st. Obviously more of their customers feel the same as I do. I strongly recommend that you do not insure with this company.

Thanks to USAA, my longtime homeowner/auto insurance carrier! They were absolutely horrible on our water damage claim- took over 2 months and found every way they could to not cover our claim! They had to hire 3 3rd party companies to get there and then took the word of an engineering report done 50 days after the original claim. Bad untruthful adjuster who verbally committed coverage only to be overruled because we complained about the process and continued delays! Beware of USAA!

They denied a covered claim. We submitted a claim for what looked like a small water leak in the bathroom and bedroom. They sent an estimator who didn’t go on the roof or in the attic to check where the leak originated. Then put an estimate that only included the small leak but nothing on repairing or identifying the leak. We noticed a few months later a new leak with mold and checked the attic to find mold in the wood and bulges in the attic heat paper. We had our own roof inspection and found roof damage and fireplace damage where the leak was.

I am extremely dissatisfied with my service with USAA. I have been a customer of theirs for the past eight years. This year without warning or even a letter of explanation, they increased my homeowner's premium by roughly 75%. I discovered this as a result of my escrow payments increasing, not as a result of any notification from the company. When I called the company to inquire as to the cause of the issue, the natural disasters across the country were cited as the reason behind the increase of greater than $900 in my yearly premium.

We filed a bathroom leak\water damage claim over 5 months ago. We just finally got approval and were told that once we provided receipts for all of the work once it was complete, they would cut us a discounted check 3 to 4 weeks after. All communications were done by email or their limited online program. The USAA system has very little flexibility in format type when it comes to photos and video (which they demanded copious amounts of). So if you use an iPhone (which a good percentage of people do) look to having to purchase a program that will convert your heic files to jpg. Dimensions of the rooms affected were included in the submitted bids but I was required to run thru an estimation program providing those numbers again, digitally drawing a schematic of the house. (Do the USAA estimators do any work?). We had USAA representatives changed out 3 times.