USAA Homeowners Insurance
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About USAA Homeowners Insurance
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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.
Top USAA Homeowners Insurance Reviews
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...Read full review
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...Read full review
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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With USAA for over 15 years, one claims few months back, they farmed the est out to a third party, rude operator, third party didn’t convey they needed roofer to go over the damage, I’m not able, as I’m disabled. Get the est, and only wants to fix one part of roof, when I asked how they justify this, customer service say loophole, even though my state has regulations. Left a review, USAA calls. They want to fix the issue, said I should hear back within 7 days. That’s been 2 weeks ago, called USAA back. There is no record of anyone from USAA who called me. My advice is USAA home insurance is overpriced, little to no support, slow to respond and failed to call back to fix the issues. Their slogan is we are here to support the men and women of the military, in my experience, they are no different than any other insurance, but pay a higher price.
Horrible experience, completely unprofessional. Applied for insurance a month prior to my closing date. Sent them the requested 4 point inspection, they said they needed a full roof picture (not required on a 4 point). Sent them a drone shot of the full roof, said they needed to be able to see each and every tile to see if it had cracks. They ran me right up to my closing date and had no intention of writing a policy. Why not just say so? I'm exploring legal action, stay away from these unprofessional jerks.
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I had reached out to USAA to cover our MA exposure from the Master Policy Changes, from walls in, and they could not even discuss intelligentially how to cover the risk for a policyholder of over 50 years, I was completely at a wits end with USAA.
On November 28th, my family and I contacted USAA regarding a fire that occurred in our home. Upon talking to a representative about the fire and asking if we would be covered in this event, they apologized for what we experienced and told me our policy “absolutely covers fire and smoke damage”. They then requested that I submit a list of everything that was damaged in the fire, as well as the amount we paid for them. On December 1st, 2022 I submitted a list with the information they requested. When submitting my list of information, I included everything that was damaged and the cost I paid for each item – as they requested. Only one item on my list did not have a price – a laptop. While I knew the price I had paid on the laptop, I had claimed it in a past claim (years prior) and it was old.
At that point I did not see the value (it was manufactured in 2012/2013), nor cared about claiming it again. I only inserted the laptop because I was told to make a list of EVERYTHING affected by the fire. During the claim USAA became fixated on the laptop. Despite saying I did not want to claim the laptop which is why it was the only item on my list without a price, they would not exempt it from the claim. They stated that in order to process my claim I needed to provide a receipt indicating I fixed the computer after the claim from years ago. Since I do not keep receipts from repair work done I could not provide it. While I tried to rectify the issue multiple times, even had documented proof that the company would need a Repair number to pull up the past repair, USAA would not listen.
On January 3rd they denied my claim and upon appealing it with a 17 page letter showing the extent of fire damage in my home and that we never intended to claim the laptop, they denied us again within two hours of receiving the information. We have been a member with USAA for over 30 years. We have multiple products through them – Banking Accounts, Retirement Accounts, Investment Accounts, College Accounts for my children, Credit Cards, etc.. I have had multiple loans through them which I always paid on time and paid off years early.
Despite being a loyal customer, USAA chose to deny our entire claim over the receipt of one item. They stated while there is no dispute that there was a fire, that the claim in its entirety had to be denied over one item that we never intended to claim. All because one receipt. They couldn’t just accept that we didn’t want coverage for that computer and approve the other items that we actually put values on. To add, after experiencing a traumatic event and then fighting with an insurance company, we were ultimately dropped from our coverage due to being denied.
After this experience I will never do business with USAA again. Imagine losing your home, losing all your valuables in your home and every receipt you may have saved to prove past purchases. How would you go about filing a claim? Should you be denied coverage solely because you can’t proof purchase or repair over EVERYTHING in your claim? While I did not lose my entire home, I did experience a fire, and my claim was ultimately denied over not being able to provide ONE receipt out of over 30 items that I did have receipts for.
My brother said I should get USAA homeowners insurance, so I did, although it was much more expensive than others for me as a disabled Veteran. I put in a claim because my ceilings were beginning to sag in certain rooms. The guy came out, told me it was maybe from water damage, but he wasn't sure, but turned in a totally different report to the office. I received a call today 6 Jan. 2023, after many weeks of waiting to hear from someone, and was told my claim was denied due to poor workmanship on my home. I should have known better than to go with USAA. They always say they are for the military and Veterans, but don't believe the hype, it's not true. All they want is your money. I am now looking for new homeowners insurance with any company but USAA. What a disappointment.
We had a house fire and everything was destroyed including our cars. USAA has been excellent. They responded quickly, and handled us with extreme care. The only thing I would do better is to ensure that all of my policies met the cost to replace. USAA customer service is top-notch, you couldn't ask for a better insurance company to service veterans. If anyone is a veteran and they are with any other insurance company other than USAA, I recommend that they make USAA their go-to for Home and Auto Insurance. I will never have another insurance company unless USAA terminates our contract with them. Also, please ensure you are properly insured, no matter the cost because you never know when you may need to use your Insurance. USAA is Number 1 in my book. Thank you USAA for taking such good care of your veterans!
As everyone in uniform knows, the DoD provides easy access for USAA to consistently make sales pitches to service members, all with the claim that "We're here to serve you." However, when all is said and done, USAA's bottom line is still the dollar, not the service member. Unfortunately, I discovered this the hard way. Thinking that USAA always had my back, I insured my house with them for more than 15 years, never filing a single claim.
However, my wife and I, along with several other homeowners in our neighborhood, eventually discovered that our tiled master bathroom showers began to leak and show signs of mold. Two of my immediate neighbors filed claims with their own non-USAA homeowner insurance providers and they quickly received the help they needed for repairs. As for me, USAA immediately denied coverage stating that they do not cover any home damage due to "poor workmanship." Upon appeal, rather than consider that workmanship was adequate but the materials used had failed, they simply chalked the bathroom damage up to "poor maintenance," which they also conveniently do not cover.
Now, I don't claim to be the world's smartest person, but it doesn't take rocket science to determine that barring obvious catastrophic damage, any damage to a home can always be blamed on "poor workmanship" or "inadequate maintenance." In the end, my wife and I had to pay more than $20K out of pocket for repairs. Extremely disappointed with USAA homeowners insurance. I'm just glad that my neighbors got the help they needed from their non-USAA homeowners insurance companies for the very same problem we had.
I have been a USAA member for approximately 40 years. Started out with auto insurance and then later property and homeowners insurance. Overall my experience has been positive. A few claims along the way, hail damage to roof, and automotive, mostly glass. Recently had water damage to my house. Moisture/water mitigation part of the repair was excellent. However, for the reconstruction, USAA clearly went with the low bid. They put down tile which came up around the edges. The reconstruction company did remove the tile and gave an allowance for install of new flooring. However they left a lot of mortar/thinset on the floor. I am responsible for removing this as well as purchase of material to replace the floor covering.
Lot of out-of-pocket for me and the project is just getting started. Additionally, for one aspect of the original project I got two different stories from the reconstruction company representative and from the USAA insurance adjuster concerning coverage. Not sure how much of this was miscommunication or USAA cutting costs.
I am a USAA vet and when I reported my first claim after my vehicle was broken into and all my camping gear and other personal items were stolen USAA sent out an investigator not an adjuster. This investigator wasn’t there to help. He was there to investigate me. They treated me like a criminal in a fight me the whole way through. I tried to do everything they asked. Gathering of receipts I could but there’s always excuse that they weren’t good enough. Good majority of my receipts for Digital because I bought my stuff online probably how to do the receipts and I print it out and attached of the paperwork and they try to tell me that those receipts were good enough that they didn’t except him. And everything I couldn’t find receipt for the state sister I have received and they wouldn’t cover it.
During this time I was already going through and dealing with some very stressful situations like my slum landlord trying to evict me for legal reasons and on top of that I was also breaking up with a girlfriend at the time. I tried to address all these these matters and how the adjuster her investigator was treating me and what they were asking was almost impossible, but my agent and her supervisor basically told me I had to do it. Investigator said if I could provide what he was asking for my claim would be tonight.
The manner in which USAA treated me was so awful that I Noticed it was triggering my PTSD. I mentioned That comment and Lucia treat me was triggering my PTSD and I informed her/them of the different symptoms I was starting to feel. One of them being severe depression which I knew suicidal thoughts Were Going to be coming on, I was absolutely shocked when they showed absolutely no signs of sympathy or empathy and continued with their bully like tactics. It was getting so bad now I was being so stressed out that I wasn’t really able to focus on everything that you’re requesting me and I had asked for extensions multiple times when I was coming up to the Time limits.
They agreed to give me an extension but I received a denial claim letter shortly after that. While I was arguing and fighting with him about that I got into a car accident where the paramedics stole all my jewelry and a backpack with very expensive computer in it. I was in my car, so I have filed another claim. Then like a year later while I was still fighting the first two claims department was broken into a new store or damage pretty much everything I owned. So I had to file another claim but by now their treatment was so bad that when it came down to just listing all the stuff that was stolen or damaged I didn’t. My PTSD was full and full fat. No matter how hard I try to focus on filling out these forms, I couldn’t.
I had to reach out request help because when I explained this to my adjuster, she acted like she wanted to help and she literally said this when I started going over my first claim, which I was still within the deadline of two years limit, it was like they used this to their advantage and they denied everything. “No let’s start with most recent and work our way back to the first.”. She insisted, because they wanted to pass that two year deadline. She didn’t try to help me at all.
They bullied me just like they have been. Do you like to do everything over the phone or via online forms so when I asked For a copy of those forms and any phone conversations that they had they said I had to get a lawyer to request those. They knew because he denied my claims that I was left out or anything I ended up having to move out of my place and start living out of car on the streets of San Francisco. I knew I could afford a lawyer and I’ll be had me pants down over a barrel. USAA is a giant charlatan which just takes advantage of military members.
As a military member I ended up getting my banking and insurance needs through USAA. When I bought a home I thought they would be a good option that "takes care" of military members. I had a faulty roof that somehow the VA home inspector missed. Caused severe internal damage to my home. I went to submit a claim with USAA and they refused to cover the roof citing the previous home owner's "faulty workmanship" but agreed to cover the internal damage.
Well there is no point in getting the interior fixed before the exterior or more damage will occur... So I had to grind (this is during the start of Covid) to save up over 10,000 to get a new roof, which during the hard times took over a year. I finally was able to afford to fix my roof. So I went back to USAA for the internal damage. This time around they told me they probably wouldn't cover it because it's been too long, but I can get quotes anyway. Left it completely up to me to find quotes...
So I call around, no one can give me an estimate because it's all "hidden damage" behind the walls/ceiling. To get an accurate number, they have to start busting into the walls and ceilings which will cost money. So I went to USAA to try and tell them I can't get a good estimate without work starting.. they refused to agree. They said I need an estimate.
TL;DR - USAA said they would cover something that would get re-damaged if something else wasn't fixed first. So I had to save myself for a year to fix that something else, and then USAA said it's been too long and they won't cover anything. Also they expect you to do all the leg work for estimates on repairs and when the only way to get an estimate is to start work they refuse to help you.. Complete "figure it out yourself, we will do anything we can to get out of ever forking over a dime to anyone in need" mentality at USAA. Think Twice before you trust them as a military member... they are just as greedy and cruel as any other corporation.
USAA Homeowners Insurance Company Information
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