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USAA Home Insurance Review (2022)

USAA offers robust home insurance coverage at affordable prices. Learn about the company’s cost and availability in this USAA homeowners insurance review.

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Purchasing a home is a significant investment. If you want to protect it, you’ll need to purchase a home insurance policy. These policies safeguard your most valuable asset in the event of certain perils, like lightning or vandalism, and also keep your wallet safe if someone becomes injured on your property.

Not all home insurance companies are the same. Insurers differ in coverage, availability, quality of customer service, and more. The This Old House Reviews Team has created this in-depth USAA homeowners insurance review to help you determine if it’s the best fit for your needs.

To get home insurance quotes in your area, call 855-948-5219 or enter your zip code in our free quote tool:

Our Take

USAA is a well-known home insurance company with strong financial backing and affordable rates. The company offers all basic industry coverage, alongside several endorsements. Unfortunately, USAA is only available to active-duty military personnel, veterans, and their families. In addition, the company only offers a few discounts compared to many of its competitors. We give USAA an overall score of 94.30 out of 100 based on key metrics like coverage, customer service, reputation, and more.

On USAA’s Better Business Bureau profile, complaints cite frequent claim denials. Reviews range from praising quick and efficient claims processes to concerns about poor customer service.

Pros & Cons of USAA

Compare the advantages and disadvantages of USAA home insurance.

✔ Strong financial ratings
✔ Affordable rates
✔ Coverage and discounts may vary between states
✘ Comparatively few discounts
✘ Only available to active-duty military personnel, veterans, and their families


USAA offers all of the basic forms of home insurance coverage, in addition to several endorsements.

USAA Coverage

Type Description
Type Description
Dwelling + other structures Covers costs to rebuild or repair your dwelling and detached structures (like a shed or garage) in the event of a covered loss
Personal property Covers costs of replacing your personal property in case of a covered loss, including furniture, electronics, clothes, and appliances
Liability Covers costs of legal fees if you are sued by a guest for injury or personal property damage that occurs while on your property
Loss of use/additional living expenses Covers the cost of living outside your home (including accommodations and dining) when it is temporarily uninhabitable after a covered loss
Medical payments to others Covers the cost of medical expenses associated with a guest getting injured on your property

USAA only offers a few endorsements compared to its competitors.

USAA Endorsements

Type Description
Type Description
Replacement cost Covers the entire cost to replace damaged or stolen personal property (not less depreciated value)
Identity theft Covers the cost to restore your name if you fall victim to identity theft
Military uniform Covers the cost of replacing your uniform if it is stolen or damaged in a covered event
Valuable personal property Increases coverage for jewelry, art, and other valuable items
Earthquake Covers the cost of repairing damage after an earthquake
Flood Covers the cost of repairing damage after a flood


USAA homeowners insurance is offered in all 50 states, but availability may vary within some states depending on your exact location.

How Much Does USAA Home Insurance Cost?

The exact amount you pay for USAA home insurance depends on a variety of factors, including your property value, size, the materials it was constructed with, where you live, the coverage limits you select, the insurance deductible you choose, and more.

We requested a quote from USAA for a single-family, roughly 2,200-square-foot-home in North Carolina. Here is the information we received:


Type Amount
Type Amount
Dwelling $329,000
Other structures $32,900
Personal property $164,500
Loss of use $65,800
Liability $300,000
Medical payments to others $5,000
Inflation guard Yes
Credit card and forgery $500
Supplemental loss assessment $1,000
Business property $2,500
Deductible $1,000 for all perils
Monthly Cost $151.17


USAA offers several discounts to help you lower the amount you pay for home insurance. There are three primary discounts: multi-policy, claim-free, and home age. There are also some others that vary in availability from state to state.

USAA Discounts

Type Description
Type Description
Multi-policy Discount for bundling USAA policies
Claim-free Discount for going claim-free for five years or longer
Home age Discount for newer homes
Protective device Discount for installed devices like an alarm system or sprinkler system
Membership loyalty Discounts for long standing customers
Good payment history Discount for customers who routinely pay their bills on time
Impact-resistant roof Discount for roofs with greater wind or hail resistance

Reviews of USAA Insurance

USAA is not accredited by the Better Business Bureau and holds a B+ rating from the organization. See what some real customers had to say in their USAA homeowners insurance reviews.

Brittany H. said:

“I am amazed by the level of service I have received on my recent insurance claim. The process was so easy and quick. The adjuster came to my home to inspect the damage and the money was in my account less than 24 hours later. The settlement was fair. I can’t believe how painless the process was. This is a premium product with premium service. I will be with USAA for life.”

Claire S. said:

“This company is awful! You will get a different person every time you call and a different answer to the same question from everyone. There’s also no notation of any conversation, so if you have to call back on an issue whoever answers your call will have no idea what you’re talking about. Also don’t expect anyone to return your calls.”

Company Comparison

See how USAA stacks up to its competitors on key metrics.

USAA vs Competitors

Provider USAA Lemonade Amica®
Provider USAA Lemonade Amica®
Get a free quote Not available through This Old House Not available through This Old House
Our score 94.30 83.50 96.60
State Availability 50 23* 48 (not available in AK and HI)
BBB Rating B+ B+ A+
Years in Business 98 5 113
24/7 Claims Service X
Protective Devices/Safety Features Discount
Bundling Discount
Mobile App

*Lemonade home insurance is available in AZ, CA, CO, CT, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NY, OH, OK, OR, PA, TN, TX, VA, WI

Our Conclusion

We believe that USAA is a good choice for homeowners insurance for those affiliated with the military. The company provides comprehensive coverage at low monthly rates nationwide. It does have fewer endorsements and discounts than many of its competitors, but its low prices make it worth it. For these reasons and more, we give USAA an overall score of 94.30 out of 100.

When considering home insurance, we recommend getting quotes from multiple companies that offer coverage in your area. To get cost information from providers in your area, call 855-948-5219 or input your zip code in the tool below:

Frequently Asked Questions

Is USAA good for home insurance?

We believe USAA is a solid choice for homeowners who qualify. According to our sample quote, the rates are competitive, the coverage is comprehensive, and there are several endorsements available.

How much is homeowners insurance through USAA?

According to our quote for a 2,200-square-foot single-family residence in North Carolina, USAA costs $155 per month. The exact amount you pay will depend on a variety of factors, including the location you live in, the size of your home, the year it was built, the materials it was constructed with, and more.

Who qualifies for USAA homeowners insurance?

Active-duty military personnel, veterans, and their families qualify for USAA homeowners insurance. Family can refer to parents, parents-in-law, legal guardians, and more.

Does USAA offer home insurance in Florida?

Yes, USAA offers home insurance in all 50 states.

Company Information

  • Company name: USAA
  • Company type: Public
  • CEO: Wayne Peacock
  • Year founded: 1922
  • Headquarters: 9800 Fredericksburg Rd, San Antonio, TCX 78288
  • State availability: 50
  • BBB rating: B+

Our Methodology

The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.

To share feedback or ask a question about this article, send a note to our Reviews Team at