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USAA Homeowners Insurance

USAA Homeowners Insurance

 3.9/5 (289 ratings)
  • 5 stars
  • 4 stars
  • 3 stars
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  • 1 stars
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About USAA Homeowners Insurance

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.

Overall Satisfaction Rating

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Top USAA Homeowners Insurance Reviews

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Rated with 5 stars
Verified

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 v...

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Rated with 5 stars
Verified

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 f...

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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

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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?
  • 3,432,734 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 - 5
Rated with 5 stars
Verified Reviewer
Original review: Oct. 21, 2021

Most of the staff are creative and careful about their consumer. A few month ago I contacted with this company and call them. The Person answer all of my question that I asked for. They completed all document and make the process easy.

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Rated with 4 stars
Verified Reviewer
Original review: June 26, 2021

USAA is attentive and thorough. I know they will follow up with me quickly on any question I have, and explain things thoroughly. I haven't had to file a claim with them for this, but friends who have tell me they process claims quickly.

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    Rated with 5 stars
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    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!

    5 people found this review helpful
    Rated with 5 stars
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    Verified Reviewer
    Original review: Nov. 21, 2020

    A couple of years ago, I had a claim for a home invasion and loss of items due to robbery of items both personal and replaceable. The agent handling the claim was very professional and had much empathy for our predicament. The claim was handled in a timely and honest fashion.

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    Rated with 5 stars
    Verified Reviewer
    Original review: Nov. 20, 2020

    Very responsive & knowledgeable. Go well above and beyond anything that could be expected. They are available 24 /7 and you get a reaction as to their expected actions almost immediately. Their estimates are fair and companies they recommend are excellent.

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    Rated with 1 star
    Verified Reviewer
    Original review: Aug. 25, 2021

    I have home and auto with USAA. They use to be a good company. But WOW have they changed!! I filed a home owners claim for water damage. It's been 4 days and STILL no call, email, nothing. No acknowledge whatsoever of my claim. basement is flooded, more damage is happening daily and I can't even talk to a real person. I have left messages daily. Guess I will be taking my home, life, and auto business somewhere else. I can't believe how bad their customer service has become. PLEASE stay away from the new USAA!!

    2 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Aug. 24, 2021

    My mother, a USAA insured for 62 years, filed a claim with USAA when her condominium flooded due to a leak in a water heater in the unit upstairs from hers. That was more than three months ago. The USAA agent first required us to force her HOA to file a claim with its insurer even though the HOA did not believe it was a covered claim with their insurance. The agent told us her USAA coverage would not kick in until we got an answer from the HOA’s insurance. We finally got a denial from that company, which I immediately passed on to USAA. Since that day, the agent has failed to respond to any of our four emails or phone calls requesting permission to proceed with repairs. The only thing we are left with is silence and frustration.

    I am in the process of filing a consumer complaint with the state office of insurance. I have never had such a difficult time dealing with an insurance company in my life. I cannot recommend strongly enough that others avoid USAA insurance. Their agents communicate no concern for my mother or her situation, which has disrupted her plans to move to the condominium. I do recommend Liberty Mutual as the best insurance company I’ve ever dealt with regarding service and claims. Take your business to another insurer, perhaps Liberty Mutual.

    7 people found this review helpful
    Rated with 2 stars
    Verified Reviewer
    Original review: July 6, 2021

    My house burned down 2.5 weeks ago. USAA put me and my dogs up in a one bedroom hotel in one of the worst neighborhoods in town. My dogs have now been attacked twice by other aggressive dogs at the hotel, USAA doesn’t seem to care as they are making no effort to find me something permanent. And I have had virtually NO communication with my “adjuster“.

    2 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: June 25, 2021

    My family has used USAA Homeowners Insurance for decades. My father was a USAF career fighter pilot. My parents have had USAA for at least 40+ years, and never filed a claim for their home. However, my mother now age 94 sustained roof damage during the past year, which also caused water leakage to her ceiling in the south side of her house. The estimate from USAA was less than the amount of 3 roofers in her area, and USAA says now that they will not cover the inside ceiling water damage. They just seem to create one excuse after another. The USAA adjuster named Christoper ** has been very upsetting to work with. Again, my mom is 94 and I have power of attorney to help her. I also have USAA homeowners insurance for my home at a cost $600+ per month. Together with my mother’s insurance USAA is getting nearly $1000/month for insurance premiums.

    To say I am disappointed especially not to help my mother cover the cost of roof repairs is a grotesque understatement. The ** advertising that USAA does to make people believe that they are there for military service members is NOT TRUE! Do not be lured into USAA Homeowners insurance because you have a career military service member in your family. It’s a scam and false advertising. Maybe if USAA took care of my mother’s roof damage, and fired Chris **, then I might consider keeping USAA. However, after many decades for both myself and my parents carrying USAA, I now plan to switch both to different insurance. USAA made many thousands of dollars off our homeowner insurance policies ... far more that the roof replacement costs for my mother’s home! Do NOT use USAA for homeowner's insurance. ... When you eventually need their help to file a claim after decades of coverage, USAA is NOT there!!!!

    9 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: June 12, 2021

    USSA covers everything I need as far as insurance, home, auto, life. They also have banking services, credit cards. They honor the veterans with their products. Their children get the same benefits as their parents.

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    USAA Homeowners Insurance Company Information

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