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USAA Home Insurance Ratings

Ranked No. 2 Overall
Customer Satisfaction Ratings (based on 197 survey results)
ProductOverall
HOW WE WEIGH OUR SCORE
Claims ProcessingCustomer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friend% Who Plan to RenewA.M. Best
Financial
Strength
Ratings
Effective as of:
WHAT IS THIS RATING?

A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.

Home
88.77
out of 100
90.50
90.71
85.76
87.32
86%
95%
A++
October 31, 2019
Note: USAA only sells to members of the military and their families
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Reasons for Buying from USAA

Customers of USAA originally decided to purchase from the company for these reasons:
Reputation24%
Recommended by friend or family member23%
Offered best price18%
I had other insurance with this company16%
Was the company my parents had10%
Saw TV commercial4%
Financial Strength rating3%
The company website and mobile apps are easy to use and helpful3%
Saw online ad1%

How likely are you to recommend this company to a friend, coworker or family member

I would definitely recommend this company. 64%
I probably would recommend this company. 23%
Neutral 11%
I probably would not recommend this company. 3%
I would not recommend this company. 0%

Would you renew?

Yes 95%
No 5%

Website and Apps

How easy to use and how helpful they are
48%Completely satisfied - Gives me what I want and more
33%Satisfied - Fulfills my needs okay
10%Neutral - No good or bad feelings on this
8%Never visited or used website or mobile app
2%Not Satisfied - Is not a good website or app
1%Very unsatisfied - Their digital offerings are not good at all or nonexistent

How You Prefer to Deal with Insurers

54%Phone
11%Mobile App
16%In person
4%Email
15%Interactive website
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About USAA

Types of homeowners insurance offered

  • Homeowners
  • Renters
  • Valuable Personal Property
  • Collectibles
  • Condo
  • Rental Property Insurance
  • Mobile Home
  • Flood
  • Farm and Ranch
  • Liability
  • Up to $5,0000 in identity theft costs (except in New York and North Carolina)

Additional policies offered

  • Auto insurance
  • Renters insurance
  • Rental property insurance
  • Valuable personal property insurance
  • Flood insurance
  • Life insurance
  • Umbrella insurance

Best Home Insurance Companies 2020: How USAA Home Insurance Compares

USAA placed well in the 2020 Best Home Insurance Companies consumer survey with a score of 88.77, giving it 2nd place overall. USAA topped the ranking for the individual ranking of customer service. It placed well in other categories with nailing the 2nd spot for ease of use for website and apps and 3rd place for value of price. The only midpack ranking was 8th pace for claim service. With such good rating by consumers, it is understandable that 96% of those surveyed said they plan to renew with USAA and 86% have already or will in the future recommend USAA to others.

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. For home insurance, USAA (NAIC# 25941) had a complaint ratio of 0.20 for 2018. 2019 complaint numbers will be available in 2020.

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)

Types of special coverage

Identity theft. Policies include a level of identity theft coverage.

Can add on Valuable Personal Property (VPP) coverage if have renters or home insurance with USAA.

Discounts

Multi-policy. Discount for more than one type of policy with the same insurance provider.

Discounts for active sprinkler system installed in home.

Savings for having a centrally monitored burglary or fire alarm system.  Includes not only monitored paid services but also those self-monitored by a mobile device.

Renters insurance can help you protect your belongings, including uniforms, anywhere in the world. USAA offers a 20% discount on renters while living on base. 

USAA offers a policy premium discount when the home has an impact-resistant roof; however, your policy must include wind and hail coverage.

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