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Compare Esurance vs. USAA Homeowners Insurance

What’s the difference between Esurance Home Insurance and USAA Home Insurance? See how our editors compare the two companies below.
Last Updated: November 20, 2017
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Key Facts

  • Insurance for the Modern World, Backed by Allstate
  • Smart technology: photo claims & video appraisal
  • 24/7 service and big savings
  • Protect your home, finances, family
  • Get a fast, free quote in minutes
  • Compare their policy with free Calculator & Online Tools
  • 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

ConsumersAdvocate.org Ratings

9.5 / 10 - Excellent
10/10
Financial Strength
10/10
Customer Experience
10/10
Pricing & Discounts
9/10
Coverage
8.5 / 10 - Excellent
10/10
Financial Strength
6/10
Customer Experience
10/10
Pricing & Discounts
8/10
Coverage

Customer Reviews

 (1)
2.0 / 10 - Terrible
0%
5 stars
0%
4 stars
0%
3 stars
0%
2 stars
100%
1 stars
 (8)
2.4 / 10 - Poor
0%
5 stars
13%
4 stars
0%
3 stars
13%
2 stars
75%
1 stars

Final Verdict

Esurance Home Insurance has a higher overall rating than USAA Home Insurance. Esurance scores better than USAA across: Customer Experience, Online Presence, and Coverage. However, USAA scores better on Financial Strength, and Pricing & Discounts.


Latest Reviews

W
Willie A
Decatur, Georgia
3/16/2017
USAA Home Insurance review
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 company, but I may need to look for another carrier with lower rates for the next year. Hopefully, they will treat me with the same level of customer service that I received from USAA.