Follow us:

USAA Homeowners Insurance

USAA Homeowners Insurance
Overall Satisfaction Rating 4.01/5
  • 5 stars
    154
  • 4 stars
    172
  • 3 stars
    71
  • 2 stars
    10
  • 1 stars
    20
Based on 427 ratings submitted in the last year

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

USAA sells auto and property coverage to members of the U.S. military. The company has homeowners insurance policies for all active and retired military personnel and their immediate family members. It offers several coverage and discount options for eligible households. You can get free USAA insurance quotes online.

BOTTOM LINE

USAA provides affordable homeowners insurance for military members and their families. You can get quotes for its customizable policies online or with an agent. The company offers several discounts.

PROS
  • Several policy add-ons
  • Various discounts
  • Competitive rates
CONS
  • Limited local branches
  • Available only to military families

Top USAA Homeowners Insurance Reviews We Found

Why Trust ConsumerAffairs
How do I know I can trust these reviews about USAA Homeowners Insurance?
  • 3,148,596 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Rated with 5 stars
Verified Reviewer

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 were very easy to deal with. We love the everything about them.

Read full review
Rated with 5 stars
Verified Reviewer

USAA is great for everything. Care about you and do it right. They provide great customer service and products, and they respond fast and efficiently. They have the best service for the cost than anyone, and never let you down. USAA is fabulous and dependable.

Read full review

See if you can lower your rate today

Compare insurance providers on Quotewizard

Get started
Are you this business?

See if you can lower your rate today

Compare insurance providers on Quotewizard

Get started

What is USAA homeowners insurance?

USAA is an insurance provider that offers affordable home coverage for military members and their families. You can customize its policies to your specific needs, with coverage for dwellings, belongings, earthquake damages, loss of use, personal liability and more. It also provides policy add-ons including options for flooding, rental properties and valuable belongings.

You can get free quotes online or through a local agent, and USAA offers discounts for bundled policies, a claims-free history, protective devices and more.

USAA homeowners insurance coverage

USAA offers a few different coverage options for single-family homes, condos, mobile homes, farms and rental properties. Your policy might include coverage for the home itself as well as other structures on your property, such as garages, storage sheds, fences and driveways. USAA homeowners policies also cover belongings, weather damage, theft, vandalism and loss of use of the property.

You can also include personal liability for added protection in the event you’re responsible for someone’s injury or property damage. USAA provides umbrella insurance for damages exceeding your policy limits.

USAA home insurance quotes and rates

To see your customized USAA homeowners rate, complete an online quote request or contact its 24/7 support line. Costs vary depending on your home and location, with premiums typically ranging from $500 to $2,500 per year. This cost is usually paid out of your mortgage’s escrow account, but you may pay it in full or in installments if you don’t have a mortgage.

USAA offers several price-saving options, including multipolicy, protective device and claims-free discounts. You can also save on your premium by choosing a higher deductible.

USAA homeowners insurance FAQ

Who is eligible for USAA homeowners insurance?
Active-duty military, veterans and honorably discharged service members qualify for USAA’s insurance coverage — as well as their spouses, widows or widowers, unremarried former spouses, children and stepchildren.
Does USAA homeowners insurance cover HVAC?
Your USAA homeowners insurance policy can cover HVAC repairs or replacements in certain cases. For example, if your equipment is damaged in a power surge, your coverage could kick in. However, home insurance often will not cover these systems; a home warranty typically offers more thorough coverage for HVAC systems.
What does USAA home insurance cover?
USAA home insurance covers fire, theft, vandalism, most weather-related events, liability and identity theft. Its coverage varies from state to state, but you can customize your policy based on your home and your needs.
Where is USAA home insurance available?
USAA homeowners insurance is available in all 50 states. Its local agents are available throughout the country.

Is USAA homeowners insurance good?

USAA is a solid option for military service members and their families — it provides affordable policies with customizable coverage. This provider has a reputation for courteous customer service, making it especially ideal for those who prefer communicating over the phone. If you’re eligible, you can request a free quote online or call its 24/7 support line to get started.

USAA Homeowners Insurance Reviews

Sort: Top reviews
Filter by: Any

A link has directed you to this review. Its location on this page may change next time you visit.

How do I know I can trust these reviews about USAA Homeowners Insurance?
How do I know I can trust these reviews about USAA Homeowners Insurance?
  • 3,148,596 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Page 1 Reviews 0 - 10
Rated with 5 stars
profile pic of the author
Verified Reviewer
Original review: Feb. 12, 2021

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!

Be the first one to find this review helpful
Rated with 5 stars
Verified Reviewer
Original review: Sept. 11, 2020

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.

Be the first one to find this review helpful

Not sure how to choose?

Get buying tips about Homeowners Insurance delivered to your inbox.

    By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

    Thank you, you have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

    Rated with 4 stars
    Verified Reviewer
    Original review: Sept. 1, 2020

    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.

    2 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: Aug. 31, 2020

    USAA is prompt, reliable, and service is always outstanding. My entire family eligible for their coverage participate. All are pleased with their service. My grandson lost two roofs to storms and replacement/repair was extremely prompt. My son and my daughter both suffered water damage and they were promptly serviced with adequate damage coverage.

    Be the first one to find this review helpful
    Rated with 5 stars
    profile pic of the author
    Verified Reviewer
    Original review: July 23, 2020

    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.

    4 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: May 13, 2021

    USAA is the worst insurance company I have ever dealt with. Our entire neighborhood is having their roofs replaced sure to haul damage. USAA says they don't see any hail damage. Liars. They've been rude, extremely expensive, absolutely unhelpful, and judgemental. The adjuster accused a roofer of causing damage. Nonsense.

    Be the first one to find this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 1, 2021

    I'm ending my 33 year relationship with USAA. Once a great company dedicated to serving military families, USAA is now just another insurance company cashing premium checks and denying claims. I recently reported a storm damage claim to USAA, hoping to repair or replace my roof in preparation for selling my home. USAA denied the claim; the inspector stated had minimal damage and did not need to be replaced. The prospective for my home were also a USAA members, and attempted to finance and insure the purchase through USAA. However, USAA told them that they could not get financing or insurance unless the roof was replaced.

    USAA told me that no roof was necessary, because denying the claim benefitted USAA's bottom line. USAA told my prospective buyers that a new roof was necessary, again because this condition benefitted USAA's bottom line. As a result of these unethical business practices, the sale for my home fell through. I've already moved my car and home insurance to GEICO, which offers better coverage, lower rates, and most importantly, ethical business practices. I'll be moving my personal banking to a local credit union. It's sad to see this once great company, with $36 billion in annual revenue, stoop to such depths just to avoid replacing a roof.

    3 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 20, 2021

    My home’s roof was damaged in a wind storm on 25 September 2020 along with many others in my neighborhood. The inspector that I engaged confirmed that damage to my roof was similar to, but more severe to damage sustained by many of my immediate neighbors. My claim to USAA was denied based on the report of the USAA adjuster who used as his criteria shingle folds in excess of a half-inch in width. My neighbors’ homes were built at the same time as mine using the same materials (Horizon shingles).

    Without exception, my neighbors who have filed claims are currently in the process of having their roofs replaced, having been covered by their various insurance carriers. I have requested that the roof be reinspected by a different USAA adjustor as I feel that the criteria he used was very different from the industry standard. I have been denied even this courtesy. This request was made by email on 2/28/2021 and 3/5/21 and then in phone conversation on 3/8/21.

    Be the first one to find this review helpful
    Rated with 1 star
    profile pic of the author
    Verified Reviewer
    Original review: March 16, 2021

    4 Feb 2021 - canceled Homeowners Policy (raise rates again with no claims). 8 Feb 2021 - was told refund was mailed out. 24 Feb 2021 - no refund has been issued will be issued on 7 Mar. 16 Mar 2021 - no refund has been issued - currently 58 minutes on phone between 5 different departments and last one sent me back to automatic system. Worst company to deal with - highly recommend another company like I did - took homeowners and auto insurance to another company after 13 years with USAA.

    2 people found this review helpful
    Rated with 1 star
    profile pic of the author
    Verified Reviewer
    Original review: March 1, 2021

    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.

    Demo of bath is complete and nothing but some limited trim is reusable, counter tops, tub and cabinets cracked and broke during removal. Master Bedroom walls are wet, trim coming off and no mention in estimate of replacing walls, trim, molding, and paint. Master Bedroom hardwood floor was covered in 2” of water! It is peaking and must be replaced... We sent them honest estimates ranging from 25K to 32K for repairs to our Master Bath and Master Bedroom from licensed contractors and no response.

    7 people found this review helpful
    Loading more reviews...

    USAA Homeowners Insurance Company Information

    Company Name:
    USAA Homeowners Insurance
    Website:
    www.usaa.com