USAA Homeowners Insurance Reviews

We had a water issue in our upstairs bathroom shower and water leaked to the downstairs. It was really bad. We had USAA property insurance. I put in a claim and they were slow to respond and they would do nothing about it and would not cover anything. My son works with this type of stuff everyday and so he pulled the ceiling down and noticed mold starting to form and they said they could do nothing. They said it was there before and it wasn't.

We had roof damage from a hail storm a few years ago. Despite the claim being almost beyond the time limit, USAA promptly conducted an inspection and sent a check within days! USAA is OK in my book!

I was a member for 38 years. Never filed any claims. Full coverage - Auto, Homeowners (2 homes), rental, umbrella. NO CLAIMS until my home (and all the homes in my neighborhood) experienced hail damage. USAA denied the claim - 2 adjusters and an engineer. I hired an independent engineer who found significant faults in the adjusters' and engineer's reporting (negligent). Only when I hired an attorney to pursue my case in court did USAA finally pay the claim. I found an independent agent and left USAA after that experience. ALL my insurance coverage improved, and my rates were dramatically lower. I found I was underwriting all those making claims at USAA. I appealed to the President's office to no avail. I find this company wraps themselves in a flag, calling you by your military rank to manipulate you for premiums. The best thing you can do is leave this company and find an independent agent. Awful company!!!

I made an honest inquiry to see if a situation would be covered under my home insurance policy and the response was that I had to fix it myself and the information I provided was being put in my file to deny me future coverage if a loss occurred from the problem I described. The agent was rude and seemed to revel in the amount of information I provided. Stay away from this company. They try to tell you they are compassionate and different from the other insurance companies, but it's a lie. They are also incredibly disorganized on all fronts, so if you call them on the phone, expect to spend a half hour trying to get any clarity about or resolution to your issue.

Extremely disappointed with USAA. As a veteran, I chose USAA because of the reputation they built around serving military members, veterans, and their families. My recent homeowners claim experience has made me seriously question whether that mission still means anything. After storm-related damage to my home, I expected a fair and thorough investigation. Instead, I received a partial denial that blamed portions of the damage on wear and tear and deterioration, while providing very little explanation for how that conclusion was reached. The experience felt less like USAA was trying to help determine what happened and more like they were looking for reasons not to cover the damage.

Been a USAA member for 39 years and during that time have insured our automobiles and property with USAA. All of our financial affairs are conducted through USAA. Both my wife and I are USAA members. We received an email instructing us to complete a lengthy assessment of our property to include the number of rooms in our property, the dimensions of each room, and photographs of each room, and then submitting that information to Castle Properties. I contacted USAA and was told that it is a legitimate demand and either I do it or the company would have someone do it.

I've been a loyal USAA customer for over 20 years. In South Texas, where I live, in the last 5 years or so; there have been multiple states of emergency issued by the governor due to excess rain, hail, or hurricanes. I've had a couple of claims for those, but I had a large claim after a pipe burst inside my home, flooding the entire house. USAA covered everything, which was appreciated, but today; I received notification that I've been dropped and my policy won't be renewed. As a disabled veteran, this is a slap in the face.

We made an inquiry as to coverage if our property was used as a VRBO rental. Without notice, they cancelled our policy, claiming to have notified us. They did not inform us of the cancellation but apparently placed a message note in our account box, which required a login. Since we had no notice, and we don't have any reason to log in and check for status messages, the Mortgage Co issued a policy charging us nearly $7000. Even though we obtained coverage once we found the cancellation, the Mtg Co issued a very, very expensive short-term policy to cover the lapse period. We are going to cancel ALL policies with USAA.

Horrible company that placates you with "Thank you for your service". Price increase on Homeowners Insurance 350% over 4 years. Mysterious responses about "underwriting". Not explainable to the changes. Issued agreed upon changes, then changed the rates after the fact. (I'm sure after underwriting of course, which was a thinly disguised net retention play). Previously bundled everything. Took me about 20 hours but shopped and moved to a top tier competitor and saved $1500 a month. USAA is full of 'false flag waving' doublespeak while they think you're too stupid to know that they're picking your pocket. Some people were nice but unable to discuss any of the changes. The folks that were escalated to on their retention team, are petty and self serving. Now you know. If you stay and have an issue, that's on you. Not a single person would own the behavior of USAA. ("Wasn't me" - Shaggy would be proud.) That tells you something.

I am writing to share my experience regarding a property claim that has been pending since March 15. Throughout this process, I fully cooperated and promptly provided all information and documentation requested. Unfortunately, my experience has been marked by excessive delays, inconsistent information, poor communication, and a lack of accountability.

Currently at 4 months waiting for USAA to approve water damage to wood floor at home. Communication is terrible. Management of claim is incompetent. Been asked for HOA info 3 times when HOA has nothing to do with claim. There is a new CEO. Mismanagement probably a reflection of his poor leadership.<br /><br />Can I give a 0 or -1?

I had a small fire in my basement on Mother's Day. USAA was very quick with help, sending adjusters right away, while I was staying in a hotel that The Red Cross was paying for. I believed that I was going to be able to restore my home to what it previously looked like, and I was so happy. After I found out how much I was going to receive, I started trying to hire contractors to do the work in my house and found out I got about half of what it cost just to paint, lol. My son and I had to do most of the work ourselves, but I did have enough to buy materials. After listening to how much USAA cares about the military and their families, I was so shocked at how badly I was treated after many years of having USAA as our homeowner's insurance company. After that claim, my homeowner's insurance price almost doubled.

My husband and I are so grateful for our claims adjuster Darrian **… Our home flooded 4 months ago and this was devastating to us but Mr. ** has been with us every step of the way. We lost almost everything thing, but with his help, we are finally back in our home. I am so glad we had USAA for our insurance company because they truly made going through this situation calming for us.

I recently was assigned an adjuster for a leak that came through my master suite. Assigned an adjuster with USAA. First off, I kept having to initiate the conversation with the adjuster. It took over a week to send an inspector. After inspection, I didn’t hear from the adjuster for 72 hours. Again, I reached out and within the same hour, he responded with their estimate. I returned his message with a few questions and he went silent. No communication for a few days to this current day! That’s when I decided to work with a local roofing company, who did the inspection, quote, executed the work and provided invoice of receipt all within 7days. This isn’t the first disappointment I’ve encountered with USAA. I will be making some changes after this encounter.

We have been USAA members for decades now. The auto and banking side of this company, I yet to have a complaint about but wow... the home insurance side is a total scam at best! Their claims adjusters are horrific and that's being polite, a DEI disaster! I made it all the way up to their executive members line and was assigned their "manager of claims" just to be told they are allowing more fraud to be paid out to a contractor on our claim whom they already sent to federal and state authorities for prosecution. Like WHAT!? They paid $165,000 for half my roof to this man after we ALREADY determined he committed fraud! No wonder everyone's rates are so high, they willingly allow fraud and have every excuse in the book claiming they are "protecting us by paying him!" Mind blown! This roofing claim of mine has been drug out over 3 years now, with approximately 20 different adjusters attempting to work it.

I’ve been a USAA customer for nearly 60 years and had a very disappointing experience with their Client Advocacy Group. I have been trying now for about 2 years to get a basis for a decision they made. Despite multiple calls, they have refused to provide. I expected better communication and support. Based on this experience, USAA customer service, once the best, and now become marginal to the point that needed services will be better provided elsewhere.

Alpha adjuster is a company who represents homeowners who have experienced damages from previous storms. I have been a client with USAA for over 15 years. My USAA claim adjuster, Desmond **, accused that company of vandalism, he insinuated that they caused the damages to the roof. He also implied that this problem was resolved in the past which it was not. He threw several accusations at myself as well as Alpha Adjusters, meanwhile other clients with USAA, different adjuster were approved within days. Alpha adjuster as well as myself are shocked beyond measure. Mr. Desmond ** Was very condescending and at that point my temper flared up. I’m not so much blaming USAA, however, certain adjusters will create and invent scenarios in order not to disburse the funds necessary for repairs.

29 Year USAA member. Absolutely horrible experience with my homeowners claim. They refuse to communicate timely. The claims portal is useless. They lowball and delay. I hope all of USAA goes under. DEI ridden and now rotten. Beware.

I would leave 0 stars. The price is inflated, the service sub pair, and the claim payout is ridiculous. The adjusters are condescending and just rude. They are use to people being unhappy. I have stayed with USAA knowing I was paying too much thinking they would take care of us in time of need. That could not be further from the truth. I feel foolish for wasting money for years being loyal them.

USAA provides terrible claim service. Slow to return emails and calls. We had a claim that was clearly covered—a leak of a water filter in our basement caused a flood. USAA waited three weeks to tell us they would pay for the contractor we hired. We had an emergency and had to hire someone to clean up our basement, only to have USAA play Monday morning quarterback and refuse to pay for a covered claim. Terrible company.

Worst company ever regarding homeowner's coverage. I believe they are racketeering & should be investigated by justice system. 1st) They are charging TRIPLE on my policy & justifying it by overvaluing x 3. If it’s happening to me, it has to be a company policy. There’s NO way they would pay me $750,000 for total loss on a 1800 sq ft Cape Cod. What’s worse is that your deductible is based on “insured value” that they dictate! 2) I submitted my first claim and haven’t had a response (even though they promise you one in 24 hours) in almost a month. I actually get nauseous every time I see or hear one of their ads.

I have been with USAA for over 25 years and the service that I have experienced is simply horrible. worst customer service ever. I will be changing my service. asked for a run down of what was covered. the adjustor was appalled. 30 days of hell to be treated as though I was trying to get extra money, I only wanted what was due to me as a customer. This has been devastating for me and my family. I deserved better, especially from a company that is suppose to take care of veterans. I will probably end up buying new appliances because I'm over all the drama. Supervisors don't even call back... It's basically the consumer fighting a battle with the insurance company...

I have have USAA products from banking to insurance for over 30 years. However I recently had a claim on my homeowners and I was very disappointed in the service, lack of communication with the agent assigned to my claim, There was not communication unless I called several times to have him call me. He was rude, dogs and family noise in the background while he talked to me, seem to be short like he had something else to do. I was not at all happy with the outcome when settling the claim. I was never contacted that they reach a agreement until after the fact. I have never experienced this horrible customer service in all my time with USAA.

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.

Long story short. Don't use them. 25 years I've been using USAA. Like me, you'll make decades of payments only to find out they don't cover the serious problems with your house. Cast iron pipe issues, asbestos removal, etc. You'll be out on your own when you need help. So pissed.

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.