USAA Homeowners Insurance

USAA Homeowners Insurance Reviews

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.

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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 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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      Coverage

      Reviewed Nov. 12, 2024

      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.

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      Customer ServiceCoverageStaff

      Reviewed Sept. 5, 2024

      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.

      USAA’s response to my situation has been evasive and unhelpful, leaving me on the brink of losing both homes and facing the prospect of homelessness. It is beyond frustrating to be paying for insurance with a company that is supposed to provide support in emergencies like this but instead has failed to offer any meaningful assistance. I am deeply disappointed and disillusioned with USAA and am in the process of drafting a complaint to the state insurance commissioner's office. It feels like a grave misallocation of resources to be with a company that claims to support military families but fails to deliver when it matters most.

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      Claims Handling

      Reviewed May 10, 2024

      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.

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      Customer Service

      Reviewed May 10, 2024

      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.

      Long story short USAA approved the roof but denied having to fix my chimney that was destroyed from the storm as well as my patio roof post came apart causing my patio roof to sag allowing rain water to flow on the side of the patio to where it is now dangerous waiting for another storm to have my entire patio fall. I received an escrow increase and plan on moving on. It's better to have everything fixed not pick and choose and then I have to look for the contractor makes thing take a bit longer. I am not a happy but now do know I have to find someone else.

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      Customer Service

      Reviewed May 5, 2024

      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.

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      Customer ServiceCoveragePrice

      Reviewed April 4, 2024

      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!

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      Customer ServiceClaims HandlingStaff

      Reviewed April 2, 2024

      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.

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      USAA Homeowners Insurance Company Information

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