USAA Homeowners Insurance Review

 Best for Military Service Members and Veterans

As you shop for homeowners insurance, you may be surprised by how much it costs. But if you are a military servicemember, veteran or are the spouse or child of a USAA member, you may qualify for discounted rates through USAA. With its excellent reputation for customer service and included coverages, USAA is our choice for the best homeowners insurance company for military service members and veteransMany companies featured on Money advertise with us. Opinions are our own, but compensation and in-depth research determine where and how companies may appear. Learn more about how we make money.

INSURANCE

USAA Homeowners Insurance Review

By: Kat Tretina

Last Updated: Apr 25, 2022 | 10 min read

Money; Getty Images

Best for Military Service Members and Veterans

As you shop for homeowners insurance, you may be surprised by how much it costs. But if you are a military servicemember, veteran or are the spouse or child of a USAA member, you may qualify for discounted rates through USAA. With its excellent reputation for customer service and included coverages, USAA is our choice for the best homeowners insurance company for military service members and veterans.

USAA Homeowners Insurance Pros and Cons

USAA Homeowners Insurance

Credentials

Cost of USAA Homeowners Insurance

Accessibility

Customer Satisfaction

USAA Homeowners Insurance FAQ

How We Evaluated USAA Homeowners Insurance

Summary of Money's USAA Homeowners Insurance Review

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USAA Homeowners Insurance Pros and Cons

PROS

High third-party ratings for customer satisfaction and financial stability

Home-sharing coverage available

Replacement cost coverage included

CONS

Not available to the general public

Fewer discounts than some other companies

Online quotes not available for non-members

Pros explained

High third-party ratings for customer satisfaction and financial stability

Although USAA wasn’t ranked against other homeowners insurance companies in the J.D. Power Home Insurance Study, it was evaluated and received the highest score of all the companies considered. USAA also has an A++ rating from AM Best, the highest rating the credit agency grants.

Home sharing coverage available

Whether you rent out a single bedroom or the entire home on Airbnb or VRBO, you need insurance. Not all companies offer home sharing coverage, but USAA issues short-term rental policies for hosts.

Replacement cost coverage included

Most homeowners insurance policies only give you actual cost coverage, meaning it will pay to replace your items at their current depreciated value. USAA’s policies include replacement cost coverage, replacing your damaged items without taking into account depreciation.

Cons explained

Not available to the general public

To qualify for insurance from USAA, you must be a qualifying member. USAA membership is only available to military service members, veterans and their spouses or children.

Fewer discounts than some other companies

USAA advertises fewer and less-substantial discounts than many other major insurance companies. For example, it has a claims-free discount of only 10% while other companies offer 20%. It also has a bundle discount and protective device discount, but other companies have discounts for responsible payments, policy renewals, new homebuyers, automatic payments and early renewals.

Online quotes not available for non-members

Most insurers allow customers to get preliminary quotes for policies. While USAA does have an online quote tool, you must be a qualifying member — and log into your account — to use it. Otherwise, you don’t have access to the quote tool..