USAA Home Insurance Ratings

Best Home Insurance Companies 2021: USAA

USAA: Best home insurance company for military

USAA earned the title of Best Home Insurance Company for Military in our annual review of the Best Home Insurance Companies. Although, due to their limited membership of military members or the immediate families of military members they were not included in our overall rankings, it is important to note that USAA received our highest InsureScore of 4.5 in all categories.

Ninety-five percent of customers responded that they planned to renew with USAA and 92% said they would recommend USAA home insurance to friends.

Customers appreciate USAA’s customer service, smooth claims handling and personalized approach to handling the uniqueness of military life.

Gauging an insurance company

Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of USAA's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median.

Company Background

Another kind of family

USAA started in 1922 when 25 army officers banded together and decided to insurance each other's automobiles. It worked out quite well. Before the year was up, they were forming a company, electing a president and hiring their first employee. Just two years later, they created a motto, "Service to the services," and USAA never really looked back.

Today USAA continually lands on "best companies to work for" and "best customer experience" lists. Based out of San Antonio, Texas, it's a bank specializing in insurance and financial services for military members.

USAA if you're a current or former member of the military

USAA is a little like an elite club. Not just anyone can join. Here's who is eligible, according to USAA's website:

• Active, retired and honorably separated officers and enlisted personnel of the U.S. military.
• Officer candidates in commissioning programs (Academy, ROTC, OCS/OTS).
• Adult children of USAA members who have or had a USAA auto or property insurance policy.
• Widows and widowers of USAA members who have or had a USAA auto or property insurance policy.

This is a strong insurance company with a wonderful reputation. In fact, it has one of those reputations where consumers who don't have a military background sometimes wish they did, so they could get USAA insurance. Its reputation is that good. In fact, a few years ago, The Atlantic called USAA, "America's good bank."

Contact information

Corporate Headquarters

9800 Fredericksburg Road
San Antonio, TX 78288

210-531-USAA (8722)