USAA Homeowners Insurance

I had hail damage to my house a few years ago. It was only a few months after switching my homeowner's insurance to USAA. They answered the phone promptly, were very professional, and streamlined the process, and paid for the damage. A few of my neighbors had trouble with other insurance companies paying for their damage. I did not. So, if they are a little more expensive than some of the other insurance companies, you get what you pay for. As far as the complaints on this website, if I have a problem with USAA, I will be back on this website with a complaint. Until then, I will remain their customer.

We really like USAA. They always call in a Natural Disaster. They are caring about their customers and making sure they are safe. They make sure we have all we need and that all claims are taken care of promptly. The price is reasonable and family members can be added at no cost. They have perk, apps, incentives, discounts etc. USAA has apps you can use to manage your account/accounts as well. Highly recommend USAA.

USAA is competent and flexible. This is the company used by most armed forces personnel when they can get it. They understand what it means to serve, which is their slogan and their way of doing business. They provide the best coverage at a reasonable price. They have the best customer service and are the most helpful when filing a claim and taking care of damages. However, I would change their policy of not covering folks in certain areas because of the state doing stupid stuff.

USAA is customer friendly and reliable. I have USAA insurance since purchasing my first house way back to the 1970's. The insurance costs a little more but service is outstanding. If you have something happen and call them you can be assured that they will send an adjuster at no time. No waiting for days. On many occasions they will issue you a check at that time. I have always been treated with the upmost courtesy and kindness by USAA. It would be nice however if coverage would be a little cheaper. Nowadays everything is so very expensive sometimes causing families not to carry the required coverage. Still, overall USAA is very convenient and the adjusters are informative and explain everything. You are also provided a computer printout of what was discussed and what the company is paying you for.

USAA is a bank that used to service the financial and insurance needs of the officers in all branches of the US military. When they opened their services to the enlisted and their families some time ago, that's when I joined. I saved over $700 dollars yearly when I insured the autos and home. I told everyone I knew about them. The reps are always ready to assist with a smile. They always THANK you for your service. Service on the autos is always courteous and correct. I have NOT had a problem with this company.

Since 2017 my Homeowner insurance policy (which hasn't changed) has increased by $850/year - $200 in 2018 and $650 in 2019. I had one claim (2018) over the 25 years I have been with USAA. In addition, my car insurance continues to rise even though I have never had an accident and my car insurance on a car that is now 15 years old, continues to rise and I have NEVER had a claim/accident. Not sure that this could ever be reasonably explained to me.

Our family has been USAA members for many years. Recently my 93 year old mother-in-law had two fences which were damaged by wind and rain. The posts basically had rotten out and the fence was listing. The person assigned to her claim was very difficult to contact and even after leaving messages, I did not always get returned calls. I had to contact another person in claims to get this started. The total for replacing both fences came to about $4200. Her half of the claim should have been about $2100 minus her deductible of $500. Unlike other companies, USAA depreciates fences and since these fences were over 20 years old, they sent her a claim check for $79 dollars. Since these fences were permanent structures and vital to keeping animals in the yard, this seems unfair. Where are the insurance premium dollars going in this case?

Filing a homeowner's claim, we were out of our home for a month. ALE SOLUTIONS responsible for reimbursement for USAA is claiming payments that did not occur. 3 months later still waiting on payments.

USAA overcharges their consumers too much. Example, for house insurance, it was $2,000 for me and I got the same deal from All State for $600. Auto insurance? $800 when I got a $400 deal. Mortgage? 3.75% interest when I could have gotten 3.25% or less elsewhere. Cashback for credit cards? Lousy when I get 2% from Citi or 5% from Discover. I'm done with USAA for life. Savings Account? It was just a lousy 0.03% or something when I get 2.35% from PNC.

Rotten tree which I had told our friends next door 6 months before it was about to fall down, which they told the adjuster that was true, but USAA said it needed to be in writing. It knocked down half the brick wall between our two houses and part of my carport. The USAA adjuster said they could not pay because it was act of god, but it was the only tree in town which was blown down, I checked. I was in the Navy from 1968 to 1972 and would not buy USAA if it was last insurance company. It cost me $3500 to fix and my friends next door said they did not have any money to fix but would try to get $400 to help which I did not accept because they had just had a new baby. USAA told me to get any money I would need to sue my friend next door which I did not do because they were just starting in life. His tree did not damage anything on his property. USAA really does not help vets just a good selling pitch I guess.

Increasingly contemptuous customer "service". 26-year USAA member here. In the process of closing all of my USAA accounts (home and auto insurance, banking, annuities, credit card). The homeowner folks won't budge on a ridiculous overvaluation of my home ($100000 more than the assessed value!), and the life insurance annuity folks have lost a $500 contribution and refuse to locate/deposit it -- instead they offered me the paperwork to close the account. Which I am doing, because losing the $500 costs me less than the attorney fees to fight USAA in court.

I've been a member of USAA since 2006, and have held the company and service in high regard. However, they have dramatically changed in the last few years, and are no longer trustworthy. I was recently denied a property insurance claim after 2 months of investigation. Investigators consistently asked questions designed to "catch me in a lie" and asked my boss similar questions (had 3 separate conversations with my manager during working hours). They continued to ask for more information until they finally found something that they could use to deny my claim, which took 2 months.

Updated on 04/24/2019: I wrote a report earlier about this issue. We have been denied coverage. USAA sent out there vendor Keystone Engineering to our home to determine the "cause" of the damage to our home. Mind you the contractor's estimate was just 10K and have no idea how much USAA spent on this so called forensic engineer to find out how the damage occurred.

I have been with USAA for many, many years. I had a bad stroke of luck. Had to submit a couple of water claim and hail damage (beyond my control). Keep in mind this is the same company that has an alerts on its page after every storm urging you to submit a claim if your property was damaged. My Property Management Company sends me damage assessment and I in turn submit the claims. I live out of state. The repair costs always seem a bit high to me but it's not my line of work so I'm not familiar with the ins and outs of what goes into repair work. According to the Property Manager, they worked closely with USAA for many so they knew the procedures. I trusted that they did.

Last year, I had a homeowners loss, not a large claim in any manner. They insisted on using their vendors -some miles away- from my town. Could not understand why this vendor, since my town is large and has many licensed contractors and homeowners repair professionals. Anyway, after months, USAA came up with some off the wall price and they sent their estimate and check to their vendor!

I've had USAA for upwards of 20 plus years. My father before me had USAA as well. I've never had problem with Auto Claims for a few dings and glass replacement with no issues. USAA is not the cheapest around and I always came to believe it was because they were the best in handling claims and would pay fairly when trouble strikes. I am currently in my first property claim caused by the failure of our RO system under the sink. The resulting flood affected 5 rooms. By the time ServPro finished with their scorched earth mitigation, I have lost 65% of my base cabinets along with the granite countertops. I am in my 7th week since the event and still have no estimate. I've asked very little from USAA and to date only received about $2000 for 8 weeks to compensate for groceries and a few meals out.

My first claim ever and it's been weeks, I get the runaround, claims denial and more questions. I should have known better when I started to see all those advertisements. Just another crappy screw the customer insurance company. I have paid them probably 50X the $$$ in what the claim was for. If I could give them 0 stars I would. But this site won't let me.

This company charged us for a house we didn't own and offered to provide a 30% return on the money that was charged in error. After the issue was addressed we received another notice to ignore the termination and that they were reinstating the policy again? There are obvious errors on their end without any willingness to correct their mistakes. This is not the first issue with USAA. Integrity is clearly missing and now we must pay an attorney to try to make a company have ethical standards.

My husband and I have our homeowner's with them and they have turned us down for ROT in our home. We pay our payment every month ON TIME! They said they don't cover rot! My husband has been loyal to them for over 25 years but I guess LOYALTY means nothing with them anymore. It's ok. We will move our insurance elsewhere even if it cost more. USAA is not for their members anymore. They are all about the mighty DOLLAR & NOT taking care of their members. I am so ashamed to have spent as long as we have with them! They are NOT the same as they were 5 years ago! We have had 1 claim between HOMEOWNER'S & AUTO in 25 YEARS & this is how you do your members! Going shopping for better companies!

I filed a claim in October for leaks in my roof that stained the ceiling in three separate locations. USAA recommended a "preferred" provider in my area. I had the provider take a look at the interior and roof of my home. They told me I had hail damage and needed a full roof replacement. They took pictures, submitted evidence and waited... and waited... and waited... January came, still no response from USAA (I had called and left several messages at this point, the provider had as well). I called the main office and asked to speak to a supervisor, and they finally responded to the work request and asked for more photos. The provider sent the roofer back out to take more pictures and resubmitted them. Two more weeks go by, nothing. Mind you I have called every other day only to get a voicemail. I call the main office again, and they tell me they need to send out an engineer, fine, whatever, fix my freaking house already.

I realize that the bulk of these complaints relate to the terrible way USAA handle auto claims. However, my experience goes beyond that. I have been a member for 17 years. I have had auto, homeowners policies, as well as savings, checking and credit card accounts with them as well. I currently have homeowners insurance with them that keeps increasing astronomically. I'm in the process of obtaining my insurance elsewhere. It really upsets me to see how USAA have mistreated the military community under the guise that they care. To my military family, please wake up, stop being complacent and stop being used and disrespected by USAA! Take your business elsewhere! You are just being used for their bottom line... PROFIT!

Our house caught fire in March 2018. We have been fighting with USAA ever since to reach a settlement and get our home rebuilt. Immediately after the fire, the adjusters came and made us feel that they would be helping. Instead, they offered a ridiculously low figure and disappeared. It became our problem to figure out the total damage and propose an appropriate amount. After nearly 12 months, the settlement number we have reached with them is nearly 3X their initial offer. We're still struggling to get them to pay that amount.

I don't know what happened to this company. They used to be extremely helpful and had excellent customer service so I decided based on past experience to do a bundle deal on Homeowners, Windstorm and Auto Insurance. I also opened a checking account ready to change my direct deposit to go into the account. I was told before my insurance can start there are documents that I needed to sign. They told me to log in and sign. I have tried and tried. My account is locked. I called tech support and it was reset. As soon as I logged in it locked again. I have spent hours and hours talking to these people and each one tells me the problem is corrected but it's not. I call and call and they tell me they can't prove my identity. They ask for information of my driver's license. I look straight at it and answer all their questions which every time is a waste of my time because they say I am wrong. Then they hang up on me now.

We filed a claim in August 2018 for water damage from a burst furnace/hot water heater pipe. They changed their reason for not honoring our claim 5 times. They are disorganized, un-businesslike and rude. Their marketing is bogus. I understand that USAA this was once an excellent firm - not anymore as far as I'm concerned. We're going back to Safeco.

USAA waves the Red White & Blue. That is their marketing ploy. The representatives that answer the phone are all very pleasant and make you feel special. Don't be fooled like we were. They make you feel wonderful right up until the time you have a claim. When it comes to paying claims they are horrible. We had an auto claim that is now over 5 months old and they have still not paid for the loss. We had a homeowners claim that is now over 5 months old and they have not paid that either. Worst insurance company we've ever had. Luckily were in a financial position that we can afford an attorney to pursue USAA and are doing so.

I had a claim on my garage door. They lowballed me. I submitted another estimate and they went even lower??? Nearly 1K lower than either estimate. I have never had a more frustrating experience or felt like I was being cheated when I put in a claim with any other company...and I'm 62. I'm going back to Allstate where they value their customers and don't rip you off. They are not worth using.

We are former customers of USAA and sang their praises until we filed a claim. Before the claim, whenever we called in with questions, the reps were always very friendly and helpful. But when it comes to honoring what they say over the phone all bets are off. Most calls are not recorded so it will be your word against the rep's word and USAA will always side with the rep. We were told that items were covered over the phone that truly weren't in our policy. We were never sent the full policy (only the summary pages) so make sure you request it and comb through it carefully (every other company will send you a copy of the full policy). We had a huge service failure that made it to the CEO's office. In the end they sided with the rep. (Why would she admit to a mistake when the call was never recorded?) They wouldn't even take the blame for never sending us a copy of the policy. (How is that not illegal?)

I am still waiting for a simple water damage claim to be paid over 4 months from the incident. My home is unsafe for my young children. USAA has poor communication and does not seem to care. They have left me without a functioning kitchen. It is hazardous to my family. I have done everything on my end. They don't want to pay for my damage or care that my family is unsafe. They do not treat veterans or their families respectfully. Don't waste your money, it is not worth it.

I've been a member for 14 years and made a mistake in getting a home mortgage with them. They have paid the wrong property tax and now homeowner's insurance. Mismanagement of escrow funds and negligence. I'm fed up and looking to take legal action.

If you ask them if something is covered by your homeowner's policy, they'll force you to submit a claim to get an answer. Then, even if you abandon the claim, they'll report it to all the insurance claim history aggregators, causing you endless problems and extra cost any time you go to buy insurance in the future. Even though the claim was abandoned and they never paid out a cent.