USAA Earthquake Insurance Review

#6 in Earthquake Insurance

USAA is a leading earthquake insurance provider in the country today. Coverage includes replacement or repairs to damaged properties, even if the cost is higher than actual amount of coverage. Unfortunately, this earthquake insurance offer is limited to military personnel and their families.

Company Profile

BBB Ratings

A+

States Served

50

Age of Company

93

AM Best Ratings

A++

 

Structures Covered

Structures covered under USAA earthquake insurance program includes condominiums, townhouses, single-family homes and apartments. Premiums may vary based on the location of your house, risk areas and the year it was built.

Apartment

Yes

Condo

Yes

Townhouses

Yes

Single-Family Home

Yes

Offices

No

 

Plan Details

USAA Earthquake Insurance is offered as an annual insurance plan. The company did not state information on the minimum covered amount. However, maximum coverage is pegged at $200,000, if approved by the evaluator of the company.

Minimum Coverage

Not Stated

Maximum Coverage

$200,000

Annual Plan

Yes

Mobile Access

Yes

Sample Policy

None

Privacy Policy

Yes

 

Discounts

Multi-Policy Discount

Yes

Loyalty Discount

No

Claim-Free History

No

Other Discounts

None

 

Coverage and Protection

USAA ensures clients coverage for personal belongings, appliance, furniture and other valued items. Replacement value is given up to the maximum covered amount in case of damage.

Personal Belongings

Yes

Appliances

Yes

Furniture

Yes

Personal Injury

Yes

Electrical and Plumbing System

Yes

Debris Removal

Yes

Broken Glass Clean-Up

Yes

Residential

Yes

Commercial

No

 

Help, Support and Usability

USAA failed to provide a coverage calculator for quick computation of deductibles, premiums and property’s value. Live chat and 24 hour telephone claim are not available.

Online Account Management

Yes

Coverage Calculator

No

Live Chat

No

Telephone Support

Yes

24 Hour Telephone Claims

No

Online Claims

Yes

Online Quotations

Yes

E-mail

Yes

FAQs

Yes

 

Earthquake Insurance at USAA

For Military personnel and their immediate family, USAA should come on top of their short list of earthquake insurance companies. Property damage and personal injuries are adequately covered for better peace of mind. 

Start your review for USAA Earthquake Insurance