USAA Homeowners Insurance Reviews

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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.

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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.

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USAA Homeowners Insurance Reviews

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    Page 1 Reviews 0 - 10
    Claims Handling

    Reviewed June 25, 2025

    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.

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    Claims Handling

    Reviewed June 14, 2025

    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.

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      Customer ServiceCoverage

      Reviewed May 7, 2025

      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.

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      Claims HandlingCoverage

      Reviewed May 3, 2025

      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.

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      Reviewed March 22, 2025

      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

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      Customer ServiceClaims HandlingCoverage

      Reviewed March 8, 2025

      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.

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      Claims HandlingCoverage

      Reviewed Feb. 24, 2025

      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!

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      Claims HandlingCoverage

      Reviewed Jan. 17, 2025

      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.

      USAA denied the claim saying we didn’t do repairs. They never estimated the roof or inspected it denying the roof, attic, and ceiling. The original repair estimate was less than 900 dollars that was just drywall repair. Which they never paid out as it was below their 2000.00 deductible. We have had USAA for 21 years and this is the 1st claim for homeowners insurance and they denied. Buyer beware and go with someone else.

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      Customer ServiceStaff

      Reviewed Jan. 15, 2025

      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.

      I do not live in an area of the country which has been affected by any of the natural disasters. Further, the USAA representative who I spoke with was just short of rude, and was unwilling to look into any means to address my concerns. I expressed my displeasure with the company, but was polite, and when I let him know that such a rate hike would necessitate me looking into other insurance companies, the representative said "Ok" and hung up without further ado. I had also agreed to do a satisfaction survey at the end of the call, and was not directed to it after all. Overall, I am very disappointed in the company.

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      Claims HandlingStaff

      Reviewed Dec. 5, 2024

      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.

      My first home I owned for 33 years, I never made a claim, always took care of things myself. This time around, I'm older, really don't want to do this work and it's frankly beyond my skill set. So disappointed that this is the way USAA does things. When this debacle is over, I'm going to take this house to Allstate. At least I know they have people in the local area. My current USAA rep is in Texas and I'm on the other side of the country.

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      USAA Homeowners Insurance Company Information

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