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USAA Home Insurance Reviews and Ratings

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USAA Ratings
Overall Rating: 4.80
J.D. Power: 5.00
NAIC: 2.88
Average Premium: 3.05
Quadrant Insurance Alignment: 3.94
Multi-Policy Discount: 2.42
New-Home Discount: 4.02
AM Best Rating A++
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About USAA Home Insurance Company

In 1922, USAA was founded in San Antonio when 25 Army officers came together to insure each other’s automobiles. In the same year, Maj. Walter Moore purchases an automobile insurance policy and becomes USAA’s first member.

In 1923, membership was expanded to include Navy and Marine Corp officers.

By 1931 membership had doubled from 15,000 to 30,000, despite the Great Depression. In 1934 membership was expanded to include Foreign Service officers, State Department officials and their widows. In 1946, USAA added several new automated office machines, becoming an industry leader in technology.

Membership was opened to Air Force officers in 1948 and in 1969, USAA had it’s millionth member join, Officer Candidate Eugene Butel of Fort Sill, Oklahoma. In 1996, enlisted personnel become eligible for membership.

Their website,, was launched in 1999 and by 2009 all men and women who are serving or have honorably served in the U.S. military and their families become eligible for membership. By 2017, USAA served over 12 million members, with a net worth of $31 billion.

USAA Home Insurance Coverages

  • Dwelling
  • Liability
  • Medical payments to others
  • Additional living expenses
  • Home Insurance
  • Renters Insurance
  • Condo Insurance
  • Rental Property

USAA Home Insurance Discounts

  • Bundle and Save
  • Claims-Free Discount
  • Home Security Credit
  • Other discounts may be available, it varies by state

USAA Home Insurance Additional Coverage

  • Auto Insurance
  • Valuable Personal Property Insurance
  • Flood Insurance
  • Life Insurance
  • Annuities
  • Umbrella Insurance
  • Motorcycle, RV & Boat Insurance
  • Small Business Insurance
  • Dental
  • Vision
  • Medicare
  • Collectibles Insurance
  • Mobile Home Insurance
  • Farm and Ranch Insurance

In which states is USAA available?

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Michelle Megna


Michelle, the former editorial director, insurance, at QuinStreet, is a writer, editor and expert on car insurance and personal finance. Prior to joining QuinStreet, she reported and edited articles on technology, lifestyle, education and government for magazines, websites and major newspapers, including the New York Daily News.

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