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USAA Home Insurance Review

28 Customer Comments & Reviews - see all comments
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Founded in Texas in 1922, the United Services Automobile Association (USAA) is an insurance, banking, and financial services corporation focused on serving the military community. The company, founded by 25 U.S. Army officers looking to insure each other's vehicles through a reciprocal inter-insurance exchange, has since expanded to offer related services such as life and homeowners insurance.

How is USAA rated?

Breakdown

4.8/5
Coverage Options
4.8/5
Pricing and Discounts
4.8/5
Customer Service
4.6/5
Financial Strength
4.8/5
Add-On Coverages

Overall Rating: 4.7 / 5 (Excellent)

USAA is an fine choice for US service men and women and veterans. The company's considerable experience in working with military families sets it apart from most other companies. Its well-established financial strength suggests that it has been well-managed in its 95 years of existence. Since the company only serves military members, veterans, and their families, however, it cannot be considered an option for the general non-military customer.

Financial Strength

Financial Strength - 4.6 / 5

USAA has the highest-rated financials of any major US homeowners insurance company. Standard & Poor's, AM Best, and Moody's all give the company exceptionally high marks. The company has been in business for 95 years and has nearly 6% of the US homeowners insurance market, which provides a cushion against localized disasters and claims events.
Underwriter
USAA
Marketshare
5.85%
Premiums Written
$0
Standard & Poor's Financial Rating
AA+
Moody's Financial Rating
NP
AM Best Financial Rating
A++
*The above information reflects the financial strength of the underwriter of the USAA home insurance policies: USAA.

Customer Experience

Customer Service - 4.8 / 5

While USAA does an admirable job at serving members and former members of the US military and their families, it is not generally available to people without a military connection, which is a significant exclusion. Although the company is rated A+ by the BBB, it has a substantial number of BBB and NAIC complaints.

National Association of Insurance Commissioners

NAIC Complaint Ratio
0.54
NAIC Total Complaints
86
*The NAIC complaint ratio (in this case 0.54) is a ratio of the number of complaints a company received to the total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

BBB Rating
A+
Number of BBB Positive Reviews
21
Number of BBB Neutral Reviews
5
Number of BBB Negative Reviews
221
Date Collected
2017-12-10

USAA Coverage

Coverage Options - 4.8 / 5

USAA offers fairly standard homeowners insurance policies that can include some very consumer-friendly features. Most significantly, it covers the actual replacement cost of personal property, with zero depreciations. The company also includes some offers that are uniquely tailored to military families, such as coverage for damage to uniforms.
Basic Coverage Types
Dwelling Protection
Other Structures Protection
Personal Property Protection
Liability Protection
Guest Medical Protection
Additional Coverage
Scheduled Personal Property Coverage

Pricing & Discounts

Pricing and Discounts - 4.8 / 5

USAA's policies are written for members of the US armed services, veterans, and their families. By limiting the pool of its potential customers, USAA is able to offer very competitive prices. Discounts are offered to people who have other types of USAA insurance, such as motor vehicle coverage.

Policy Discounts

  • Multi-Policy

Contact & Additional Information

Homepage URL
Company Phone
(210) 531-8722
Headquarters Address
9800 Fredericksburg Road, San Antonio, TX, 78288
Year Founded
1922

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28 Customer Comments & Reviews

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flowerswithnocolor
8/9/2019
USAA terminated my homeowners insurance due to claims history 3 of which were catastrophic and out of my control and over the course of 3 years. Hurricanes in 2016 and 2018. The other two they were helpful and smooth but had i known ultimately i would be terminated i would have paid out of pocket or counted them as losses. I am disgusted seeing as my business has gone to them for over 10 years and while they have done their job each time, ultimately this is the reward. They are good as long as you don't actually need to use them. Save yourself the frustration and go with someone else that doesn't count catastrophic events against you. Now I am blacklisted from major insurance companies... Read More


Scott L
2/18/2019
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... Read More


D
Don
9/28/2018
I am retired, a veteran and been a loyal customer with USAA for over 57 years. I have not filed any significant claims over the years. My recent renewal notice indicated an increase of nearly $1,000 or 25% in my insurance premiums. I called USAA to find out what was going on. In the last few years I have had increases but accepted them without concern or investigation, assuming that USAA was still doing its best to serve and support its veteran base. However, after reviewing all my policies in detail with USAA, I came to the conclusion that USAA has significantly changed its underwriting algorithms and is now only interested in increasing its bottom line. Consequently, I have... Read More


Dave D
8/19/2018
We've been USAA Homeowners members at least 13 years. We had a bathroom toilet leak, caused 7000.00 in damage. They were great to work with fixing the damage. Just got our new annual premium and they raised our annual rate to over 1000.00 dollars. Amica can beat them by 1300.00 dollars a year. So it's been fun USAA but we're moving on to a different high quality company.


W
Walter
4/20/2018
I’m in process for a water leak now. 3 weeks still waiting for claim approval. Adjuster stopped taking my calls 2 days in and when I finally got a warm body on phone he started denying coverage for little things that should be covered. I’m getting run around. I’ve been with usaa since 1966 as a 2nd Lt. Not happy.


Rafael J
4/4/2018
I have been a USAA member since 1999 and have never made any claims against my property. I recently made legitimate claims for damage done to my property from a water leak into my subfloor and ceiling. Gratefully, USAA took care of the costs, however to our surprise and great disappointment, our policy is getting canceled by USAA, due to our claims. I have been a loyal member of USAA for 20 years this is a slap in the face. I plan on looking into other options for insurance coverage and FIND ANOTHER BANK. In the end, USAA is another thug on the street.


L
Linda
3/12/2018
Husband is a vet & we are so very displeased with this insurance company. As far as we are concerned, they actually stole our money. Our homeowners policy was cancelled without prior notification ( they said we were sent notification ) We weren't and did not suspect because we were suppose to have been on a direct payment through our checking account. ( but their error, because it hadn't been done. But, as we were told that we were being reinstated and all we had to do was send back paperwork. So we did. Then after we questioned why the rate was raised, so much in one year, we were told by a representative that it had been due to an Ohio yearly rate hike for everyone. We... Read More


J
James G
3/4/2018
To Whom it May Concern: My name is James R Garza and I have been a member since 1999 with USAA/Foremost Insurance and I have never filed a claim to replace roof and now that I do Foremost rejected my claim. I informed them I had wind damage on my roof from hurricane Harvey, I waited 7 days for the to contact me and no one called until the day I was having a new roof being installed. They ran out here fast but the roof had been taken down but I had pictures to show them and they still rejected my claim. Is this the company you recommend to Military Member because they are cheating the Veterans out of a lot of money. I have paid thousands of dollars over the amount of years I've been with... Read More


Sharon C
2/21/2018
I have been with USAA n my home for 6 years. the coast has jumped 400. 00 in 12 months for the same insurance policy with no claims in 6 years . I called to ask why and was told the coast to replace just the dwelling jumped from 265,000 to 337,000. in 12 months. I bout fell out of the chair laughing. I then asked where they got there information from because I had been getting quotes from other big companies and they have been around 268,000 to 280,000 to replace. The person on the line said: , for instance a movie star moved in next door that would make the coast of the house to replace to go up. When I stopped laughing and could speak again. I said when that happens I will give... Read More


P
Phillip H
11/28/2017
USAA customer service is complete trash. Ive been in constant battle with the company since I started business with them. To put things in perspective I had everything with USAA. My mortgage, home owners insurance, car payment, car insurance, credit card and personal property insurance.Ill spare all the details but USAA managed to completely mess up all those accounts in one year. They had me paying car insurance twice a month some months ( one month they tried to convince me that i had to pay them $700 but couldnt tell me why), raised my premium almost double and had an attitude when i called and asked about it. They ruined the escrow account for my house taxes and told me that was just... Read More



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  • Covers common occurrences like fire or theft and accidents
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