USAA Home Insurance Review

#4 in Home Owners Insurance

USAA Home Insurance

USAA specializes in providing insurance services to millions of American servicemen and their families. With over 8 million members and billions in resources, USAA has grown to be one of the biggest insurance providers in the country.

All members of the US military (3 major services, National Guard and Reserves) active or retired are eligible for USAA membership. Any former USAA member could resume their membership anytime. There are no age limits and the only requirement is that members should have served honorably in the US Armed Forces.


Home Insurance Products Offered

Homeowners Insurance

Renters Insurance

Valuable Personal Property Insurance

Flood Insurance

Condo Insurance

Rental Property Insurance

Mobile Home Insurance

Farm and Ranch Insurance

Collectibles Insurance


Net premium written (A.M. Best)



Better Business Bureaus (BBB Ratings)

  • Not BBB accredited
  • B+ Rating


Benefits at a Glance

  • Full replacement cost coverage if your home or its contents are severely damaged or destroyed
  • Provide up to 75% of the home's insured value for personal property coverage at today's market value, with no depreciation factored in
  • Provide up to $5,000 toward expenses related to identity theft, credit card fraud or other forms of financial fraud




Covers cost of rebuilding/ repairing due to a covered peril Yes
Personal liability coverage for personal/ property damage Yes
Covers living expenses outside of the home during rebuilding/ repairs Yes
Coverage for medical expense Yes
Is widely available across the country Yes
Personal property insurance for loss or damage for covered instance      Yes            


Financial Ratings

USAA is financially sound insurance company that has continued to receive great ratings from some of the industry’s trusted financial reviewers. Moody’s, A.M. Best and Standard & Poor’s have awarded USAA strong financial ratings


Bottom Line

One major drawback with USAA home insurance is it’s only available for US military personnel and their families. Although membership in the USAA is not compulsory, enrolling their services could be an excellent choice. With solid financial ratings and great customer reviews, USAA is definitely one of the better home insurance choices available in the market.



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