USAA Home Insurance Review

Rating: 9.4 / 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: 9.4 / 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 - 9.1 / 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 - 9.5 / 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 - 9.5 / 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 - 9.5 / 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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Hurst, Texas
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
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
Gainesville, Georgia
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.

Lyle P
Lithonia, Georgia
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

Top Rated
Our Partner
9.4 / 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