Ratings

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Overall Rating info icon info icon
Claims Processing
Customer Service
Value for Price
Website and Apps
% Who Would Recommend to a Friend
92%
% Who Plan to Renew
95%
AM Best Financial Strength Ratings info-icon info-icon November 08, 2020
A++
HOW WE WEIGH OUR SCORE
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.

Reasons for Buying

Customers of USAA originally decided to purchase from the company for these reasons:
26%
Reputation
15%
Recommended by friend or family member
14%
I had other insurance with this company
12%
Saw online ad
10%
Offered best price
10%
Saw TV commercial
5%
Financial strength rating
5%
Was the company my parents had
3%
The company website and mobile apps are easy to use and helpful

How likely to recommend?

69%
I would definitely recommend this company
23%
I would probably recommend this company
7%
Neutral
1%
I would not recommend this company
0%
I would probably not recommend this company

Would you renew?

95% Yes
5% No

Ratings on Website & Apps

Completely satisfied / Outstanding website & apps that give me what I need and more
64%
Fairly satisfied / Fulfills my needs OK
19%
Average website and apps
12%
Very unsatisfied / digital offering is severely lacking
2%
Unsatisfied / website and/or apps are not fulfilling my needs
1%

How do you prefer to deal with insurer and policy?

Phone
29%
Interactive website
27%
In person
21%
Email
13%
Mobile App
10%
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Customer Complaint Ratio

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Homeowners
0.23
0 1 3 10+
Lower number is better
0 to 1.00
1.01 to 3.00
3.01 and above

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
  • Motorcycle, RV & Boat insurance
  • Renters insurance
  • Rental property insurance
  • Valuable personal property insurance
  • Collectibles insurance
  • Flood insurance
  • Life insurance
  • Small business insurance
  • Umbrella insurance

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)

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.

In which states is USAA home insurance available?

AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY

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