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: May 08, 2018
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Esurance Home Insurance
9.4 / 10 - Excellent
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USAA Home Insurance
8.6 / 10 - Excellent
#8 in Homeowners Insurance
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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
  • 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

OVERALL RATINGS

 EsuranceUSAA
Financial Strength10/109/10
Customer Experience9/108/10
Pricing & Discounts10/109/10
Coverage9/108/10

Financial Strength Comparison

 EsuranceUSAA
Underwriter
Allstate
USAA
Marketshare 2016
0.06%
5.85%
Premiums Written 2016
$0
$0
AM Best Financial Rating
A+
A++
*The above information reflects the financial strength of the underwriter of the Esurance home insurance policies: Allstate.
*The above information reflects the financial strength of the underwriter of the USAA home insurance policies: USAA.

What do their customers think?

National Association of Insurance Commissioners

 EsuranceUSAA
NAIC Complaint Ratio 2016
2.03
0.54
NAIC Total Complaints 2016
10
86
*The NAIC complaint ratio (in this case 2.03) 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.
*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

 EsuranceUSAA
Trust Pilot Rating
7.0 out of 10
BBB Rating
A+
A+
Number of BBB Positive Reviews
8
21
Number of BBB Neutral Reviews
0
5
Number of BBB Negative Reviews
33
221
Date Collected
2017-12-10
2017-12-10

Coverage Differences

 EsuranceUSAA
Basic Coverage Types
Dwelling Protection
Other Structures Protection
Personal Property Protection
Liability Protection
Guest Medical Protection
Dwelling Protection
Other Structures Protection
Personal Property Protection
Liability Protection
Guest Medical Protection
Additional Coverage
Scheduled Personal Property Coverage
Scheduled Personal Property Coverage

Pricing & Discounts Compared

Household Discounts

Esurance
vs
USAA
  • New Home
  • Home Safety Features

Policy Discounts

Esurance
vs
USAA
  • New Policy
  • Multi-Policy
  • Claim-Free
  • Multi-Policy

Contact & Additional Information

 EsuranceUSAA
Homepage URL
Company Phone
(800) 378-7262
(210) 531-8722
Headquarters Address
650 Davis Street, San Francisco, CA, 94111
9800 Fredericksburg Road, San Antonio, TX, 78288
Year Founded
2001
1922

Final Verdict

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


Customer Comments & Reviews

W
Willie A
Atlanta, 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.