USAA Home Insurance Review


Rating: 9.0 / 10 (Excellent)
3 Customer Reviews - see all reviews
Disclosure: We receive advertising revenue from this partner. Learn more.
How is USAA rated?
9/10
Company Reputation
9/10
Customer Experience
10/10
Discounts
9/10
Online Presence
8/10
Customer Service

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)

$10,679,414

 

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

 

Coverage

 

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.

 

 

Start your review for USAA Home Insurance

Latest Reviews

Loading Reviews ...
Samantha Ketcham-Scheuerman
Colorado Springs, Colorado
2/9/2017
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 Seigrist
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 Prouse
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

Start your review for USAA Home Insurance