USAA Home Insurance Review

Rating: 8.6 / 10 (Excellent)
14 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?


Financial Strength
Customer Experience
Pricing & Discounts

Overall Rating: 8.6 / 10 (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 - 9 / 10

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.
Marketshare 2016
Premiums Written 2016
Standard & Poor's Financial Rating
Moody's Financial Rating
AM Best Financial Rating
*The above information reflects the financial strength of the underwriter of the USAA home insurance policies: USAA.

Customer Experience

Customer Experience - 8 / 10

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 2016
NAIC Total Complaints 2016
*The NAIC complaint ratio (in this case 0.54) is a ratio of the number of complaints a company received to the its 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
Number of BBB Positive Reviews
Number of BBB Neutral Reviews
Number of BBB Negative Reviews
Date Collected

USAA Coverage

Coverage - 8 / 10

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 & Discounts - 9 / 10

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

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14 Customer Comments & Reviews

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Los Angeles, California
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
Spring Lake, North Carolina
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.

Medina, Ohio
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

James G
, Texas
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
Huntsville, Alabama
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

Phillip H
Memphis, Tennessee
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

L t
Redding, California
Where is the company that we have ever dealt with we are literally finding thousands of unhappy and unsatisfied customers during our search we been with the company 23 years and I flat told us know because they don't cover any damage whatsoever I guess unless the meteor falls on your house

marcia g
I recently made a claim for damage done to my property from a leak from a pipe in my bathroom wall.As this was discovered ,further investigation revealed the growth of mold on walls in the garage storage closets and the wood floor of a closet. My claim was denied because the time limit had expired in which the claim had to be made.I sought help as soon as this leak was visible to me, yet no compassion was shown.I have been a loyal member of U.S.A.A. FOR 25 YEARS AND HAVE NEVER MADE A CLAIM ON EITHER MY HOMEOWNERS OR CAR INSURANCE.The thanks is a denial,slap in the face . I plan on looking into other options for insurance coverage.No one one tried to listen to me! There is no way that I... Read More

Willie A
Atlanta, Georgia
I have been insured with USAA for approx. 3 years and have been very please with their level of customer service. Over these few years I have filed multiple claims with my home and cars due to no fault of my own. I have experienced lightening damage to my house and a tree falling onto the roof. I have a few claims with my automobiles due to uninsured or under insured motorist. USAA did not give me any problem with these claims. They were very responsive to my calls and move the claim swiftly. I have been very pleased with them. The only concern I have is the substantial increase in my policy over these few years. I expect it to increase but not this much. I believe USAA is a great... Read More

Rob B
Sedona, Arizona
I switched to USAA Homeowner's Insurance about 5 years ago because I heard they were a good company. My experience to date does not at all reflect that rating. In fact, I have found USAA Insurance the worst in customer service and ease of dealing with of any insurance carrier that I have used over the past 50 years! Start off with their ridiculous call center. First you get an automated menu that you have to navigate through. Then you finally get an agent. Perhaps 1 of 4 are a knowledgeable and able to help. For instance, with my homeowner's insurance I own two vacant lots in my IRA. The policy states that it covers vacant lots that you own, but since the title is slightly... Read More

Our Partner
8.6 / 10
  • Strong financial ratings
  • Wide variety of home insurance plans
  • Multiple types of coverage available
  • Provide up to 75% of value for personal property coverage, with no depreciation
  • Only available for active and retired US service members and their families