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Bottom line: Offers perks and affordable rates for the military community.
Consumer complaints: Far fewer than expected.
Discounts: Average set of discounts.
Coverage options: Below average.
One of the largest home insurers in the country, USAA offers policies to active military members, veterans and their families. USAA home insurance policies include coverage that often costs extra when issued by other companies, but even so, the company’s rates are still lower than the national average, according to NerdWallet’s rate analysis. If you’re eligible to buy USAA homeowners insurance, it’s worth considering.
How USAA home insurance rates
USAA homeowners insurance earned 5 out of 5 stars for overall performance. NerdWallet’s ratings are determined by our editorial team. The homeowners insurance scoring formula takes into account policy coverage options and discounts, ease of filing a claim, website transparency, the financial strength of the company, complaint data from the National Association of Insurance Commissioners and more.
Based on these ratings, USAA is among NerdWallet’s Best Home Insurance Companies for 2022.
USAA offers homeowners insurance in all 50 states and Washington, D.C.
USAA home insurance coverage
You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:
Type of coverage
What it does
Pays to repair or rebuild the structure of your home.
Covers damage to unattached structures such as a shed or fence.
Pays to repair or replace personal belongings such as furniture or clothing.
Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.
Covers legal expenses and damages if you're responsible for injuries to other people or their property.
Covers injuries to guests in your home, regardless of fault.
For more details, see What Does Homeowners Insurance Cover?
USAA offers homeowners insurance with all the standard features, plus:
Identity theft coverage. If you’re a victim of identity theft, USAA will cover you up to $5,000 to pay expenses to restore your good name. This coverage is not available in all states.
Replacement cost coverage. If your belongings are damaged or stolen, USAA will generally reimburse the cost to replace them with brand-new items, rather than the depreciated value. USAA includes this coverage standard in all states but North Carolina, rather than charging extra for it, as most insurers do. The company will pay either to replace an item or to restore or repair it, whichever costs less.
Home-sharing coverage. Available as a standard coverage in most states, this pays out for damage that occurs when you rent out a room or your entire home on sites such as Airbnb.
Military uniform coverage. If your uniform is damaged or stolen during a covered event, and you are on active duty or deployed, USAA will reimburse you without a deductible.
Earthquake coverage is available for an extra cost.
USAA home insurance rates
USAA’s average annual homeowners insurance cost is $1,724, according to NerdWallet’s rate analysis. This is lower than the national average of $1,784 per year, but higher than the average rates of State Farm and Allstate, two large national competitors. Below, see how USAA's rate stacks up to those of other large insurers.
The sample rates above were calculated for 40-year-old homeowners with a $1,000 deductible, $300,000 in dwelling coverage and $300,000 in liability insurance. Your own rates will be different.
Here are a few ways to save money on your USAA home insurance policy, depending on where you live:
Discount up to 10% if you insure your car with USAA.
Protective device credit for an ADT home security system.
Discount for buying and installing certain smart-home devices.
Up to 10% off for being claims-free for at least five years.
USAA received fewer than the expected number of home insurance complaints to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. (NAIC home insurance complaints also cover other home policy types, including mobile home, renters and condo insurance.)
Website: USAA’s site has an advice section where you can read up on topics like what homeowners insurance doesn’t cover and how to avoid water leaks. A chatbot is also available to answer quick questions. Log in to USAA’s user portal to pay your bill, manage your policies, file and track a claim, set up autopay or chat with a live representative.
App: You can use the USAA mobile app to pay bills and to file and track claims. Other USAA services such as checking, savings and credit card accounts are also accessible through the app, which is available on both iOS and Android.
Claims: You can file a claim on the USAA website, through the app or by calling 800-531-8722. You can track your claim or contact your adjuster through the site's claims center.
Customer service: Help is available by phone at 800-531-8722. You can reach a live person every day except Sundays and major holidays. You can also use USAA's virtual agent for basic questions.
» MORE: USAA life insurance review
USAA home insurance pros and cons
Where USAA stands out
With generous coverage at rates below the national average, USAA offers good value for homeowners. It also receives fewer consumer complaints than expected.
Where USAA falls short
The main drawback of USAA home insurance is that it isn't available to everyone. The company also has relatively few discounts available compared to other major insurers.
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
» MORE: USAA renters insurance review
Homeowners insurance ratings methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full homeowners insurance ratings methodology.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Homeowners insurance rates methodology
NerdWallet averaged rates for 40-year-old homeowners from a variety of insurance companies in every ZIP code across all 50 states and Washington, D.C. Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1997. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.