USAA Home Insurance Review


Rating: 8.5 / 10 (Excellent)
9 Customer Comments & Reviews - see all comments
Disclosure: We receive advertising revenue from this partner. 
Learn more.
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

10/10
Financial Strength
6/10
Customer Experience
10/10
Pricing & Discounts
8/10
Coverage

Overall Rating: 8.5 / 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 - 10 / 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.
Underwriter
USAA
Marketshare 2016
5.85%
Premiums Written 2016
$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 Experience - 6 / 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 NAICS complaints.

National Association of Insurance Commissioners

NAICS Complaint Ratio 2016
0.54
NAICS Total Complaints 2016
86
*The NAICS 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
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 - 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 - 10 / 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
1922

Leave a comment for USAA Home Insurance
Minimum 2-3 sentences.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

9 Customer Comments & Reviews

Loading Reviews ...
P
Phillip H
Collierville, Tennessee
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


L
L t
Redding, California
5/19/2017
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


M
marcia g
Las Vegas, Nevada
3/18/2017
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


W
Willie A
Atlanta, Georgia
3/16/2017
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


R
Rob B
Sedona, Arizona
3/1/2017
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


J
jerry
Hurst, Texas
2/24/2017
have been a member 45 yrs. they are no longer the company i used to know. it seems as their agenda is self serving and the customer is not in their best interest anymore.


Samantha K
Colorado Springs, Colorado
2/8/2017
I am a disables vet with a Service Animal. My Service Animal was playing with another dog in my back yard over a year ago, at a BBQ. One woman was there and was trying to grab the other dog while the two were playing and my dog hit her forearm with his mouth. It barely woke the skin. We took her to the hospital on Ft Carson, cause we were still in the Army. Well, nothing was filed and it was determined to be an accident. I was honest with USAA and they classified it as a Dog Bite. Now they will not cover me for my primary residence with Home owners Insurance. The sub-affiliate company is telling me i have to sign a liability waiver to exclude my service animal (dog) from the... Read More


Jenny S
Lilburn, Georgia
1/30/2017
I had USAA homeowners insurance and automobile insurance for 5 years. I had never made a claim with USAA homeowners policy. Someone filed a claim with my policy stating my dog bit him. USAA settled the claim after they were informed I did not want to file that claim against my insurance. They paid out $15,000 and then sent a letter cancelling my policy.


L
Lyle P
Stockbridge, Georgia
12/14/2016
I have been a USAA member for 55 years...! I've always had an outstanding relationship with them - until recently. They have slowly evolved from a smaller, more select clientele group with incredibly good service and business practices to an apparent desired position of opening the flood gates and insuring anyone and everyone in order to achieve the highest volume possible. Now, the bean counters have taken over and I'm dumping them over a $200 ridiculous position on a recent claim I submitted. Just unbelievable!! I've paid in tens of thousands of dollars for auto, boat, home, and aircraft insurance for 55 years and now they want to hassle me for a $200 item....after 55 years of... Read More



Our Partner
8.5 / 10
  • Only available for active and retired US service members
  • 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