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USAA Home Insurance Ratings

Ranked No. 1 Overall
Customer Satisfaction Ratings (based on 119 survey results)
Claims ProcessingCustomer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friend% Who Plan to RenewA.M. Best
Effective as of:

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.

out of 100
May 29, 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:
Recommended by friend or family member23%
Saw TV commercial13%
Was the company my parents had11%
Financial Strength rating8%
I had other insurance with this company8%
Offered best price8%
Saw online ad4%
The company website and mobile apps are easy to use and helpful3%

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

I would definitely recommend this company. 57%
I probably would recommend this company. 32%
Neutral 8%
I probably would not recommend this company. 2%
I would not recommend this company. 1%

Would you renew?

Yes 97%
No 3%

Website and Apps

How easy to use and how helpful they are
50%Excellent - Gives me what I need and more
40%Good - Fulfills my needs
6%Just okay - Fulfills some but not all of my needs
3%Never visited/used website or mobile app
1%Unsatisfactory - Doesn?t fulfill my needs, website/app is severely lacking

How You Prefer to Deal with Insurers

28%Interactive website
5%Smartphone app
23%In person
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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: How USAA Stacks Up

USAA came out on top in our annual Best Home Insurance Companies consumer survey with a score of 90.38. USAA also topped the rankings for most of the individual rankings. USAA came in 1st for claims, customer service and website and apps ease of use. While USAA did not come in on top for price, it came in second with a still high score of 89. With such good rating by consumers, it is understandable whey 97% of those surveyed said they plan to renew with USAA.

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 Allstate'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.


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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