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USAA Home Insurance Ratings
Ranked
No. 2 Overall
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Reasons for Buying from USAA
Customers of USAA originally decided to purchase from the company for these reasons:
| Reputation | 24% |
| Recommended by friend or family member | 23% |
| Offered best price | 18% |
| I had other insurance with this company | 16% |
| Was the company my parents had | 10% |
| Saw TV commercial | 4% |
| Financial Strength rating | 3% |
| The company website and mobile apps are easy to use and helpful | 3% |
| Saw online ad | 1% |
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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.
Feedback of Surveyed Policyholders
Our survey asked policyholders to share experiences or give feedback that they would
like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:
Positive Feedback
Neutral/Negative Feedback
"I wish the company would into account a litle more the prices and offer more economical options that could be more viable."
"This company is bad news"
"Nohing wrong with my renters insurance. I would prefer the company to have a grace period or be able to change the payment due dates from the beginning of the month to the end of the month so I can pay my dues soon as I get paid from my job (which is the end of the month)."
"Most times it is a struggle to get someone to take my claims seriously and help me with what I need"
"I never really had to deal with them so just saying they are okay"
"Some customer service reps don't seem to know what they are doing."
"They keep raising prices"
"I haven't really had a chance to test them. Bill arrive and payments are posted promptly."
"Never had a problem with them. "
"I think I'm paying too much."
"USAA acts like they are there to help but they haven't always been helpful, but the price is good"
"They seem just ok but no claims filed ever"
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"This company always knows what I need when I need it & before I even bring it up"
-Age 18-36, Alabama"Easy to navigate claims"
-Age 18-36, Alaska"I got exactly what I want with an excellent customer support."
-Age 18-36, Arizona"My insurer helped me when I had an illness and I was late in payments for economic problems and I covered the operation that you see"
-Age 18-36, Arizona"I feel very good about this company and my policy with them"
-Age 18-36, California"Easy to do business with."
-Age 18-36, California"Fine company to buy from "
-Age 18-36, California"I feel that the company itself is very good and a reliable thing to provide you iwhat you need."
-Age 18-36, California"I had good experience with their service"
-Age 18-36, California"Serious company with many benefits"
-Age 18-36, California"I feel secure so if there are accident with my home I'll be covered"
-Age 18-36, California"The good value for money"
-Age 18-36, California"This company is completely reliable and its services are unique."
-Age 18-36, California"It has a good price and good coverage, plus the personalized attention is great"
-Age 18-36, Florida"Quick accurate customer service recommened by a lot of people"
-Age 18-36, Florida"They have excellent customer service"
-Age 18-36, Florida"Very good I recommend it"
-Age 18-36, Florida"Well overall, handled appropriate in balance, well spoken customer assistance"
-Age 18-36, Florida"They offer great options for bundling your services."
-Age 18-36, Georgia"They're reliable"
-Age 18-36, Georgia"I like this company very much"
-Age 18-36, Illinois"I would always recommend USAA for their prompt and precise attention."
-Age 18-36, Illinois"Wonderful service and quality"
-Age 18-36, Illinois"No hassle or issues."
-Age 18-36, Maryland"They are the most reliable insurer"
-Age 18-36, Michigan"I love their 24 hour service"
-Age 18-36, New Jersey"24 hours customer service can't be beat"
-Age 18-36, New Jersey"Good attention to me and my policy"
-Age 18-36, New Jersey"You can trust this company to provide good service"
-Age 18-36, New Jersey"Absolutely a good company"
-Age 18-36, New York"I like everything about this company because it's excellent"
-Age 18-36, New York"All has been fine with this company"
-Age 18-36, New York"I feel safe with this insurer"
-Age 18-36, New York"I think that it is important to know that this insurer is easy to work with"
-Age 18-36, New York"It is a very responsible company and its services are excellent"
-Age 18-36, New York"Nice company to work with"
-Age 18-36, New York"Good service, very excellent on the phone almost every time we speak to them."
-Age 18-36, North Carolina"It's a friendly company"
-Age 18-36, Pennsylvania"My agent is friendly and helpful and attentive"
-Age 18-36, Texas"They're nice and easy to deal with."
-Age 18-36, West Virginia"My experiences have been very good. I have received excellent treatment and attention in a timely fashion."
-Age 37-52, Arizona"It's easy to contact and they follow up when I send them emails."
-Age 37-52, California"Provides various features"
-Age 37-52, California"The experience was easy to deal with and they handled everything from regarding what weneeded to get done."
-Age 37-52, California"They do all the work for you, so you don't have to worry or stress about it. There is no local office near me, but I have never once wished there was an office I could walk into. I've never needed further customer support than talking on the phone with them."
-Age 37-52, California"Useful and trustful, good enough for me"
-Age 37-52, California"USAA has been very helpful & professional in handling my claim & holding my hand."
-Age 37-52, Delaware"In general, I have had good experiences so far, the staff is attentive and concerned, and the webpage has a friendly navigation and satisfies my needs when I have had to manage something"
-Age 37-52, Florida"The best company for service."
-Age 37-52, Georgia"They provide valuable advice"
-Age 37-52, Georgia"Fast reliable"
-Age 37-52, Illinois"They won me over, I don't plan to change to anyone else"
-Age 37-52, Kansas"They are easy to deal with on live chat at their website"
-Age 37-52, Kentucky"I admire USAA for supporting our troops and their families for several decades. My father served during Vietnam. He was with them since his naval career ended. They took good care of his concerns and now mine."
-Age 37-52, Michigan"I feel as though my insurer is part of a solution and works with you one on one, not only when they want their money."
-Age 37-52, Missouri"I wanted to bundle my insurance for a better rate."
-Age 37-52, Nevada"My current home insurance was able to give me a better price and I am very happy with the service they have provided"
-Age 37-52, New Jersey"It is good home insurance though the claim process was long, however, we had a lot of damage, house wide flood from bursted pipe so I they looked to have gone as fast as they could with the complex claim."
-Age 37-52, New Mexico"Easy to deal with them. They are very helpful."
-Age 37-52, New York"Efficiency and quality of services"
-Age 37-52, New York"Is concerned about the welfare of the client"
-Age 37-52, New York"Good quality insurer"
-Age 37-52, New York"They are prompt, professional and fair"
-Age 37-52, North Carolina"I would recommend the products to others"
-Age 37-52, Ohio"Great website and able to easily find info one is looking for"
-Age 37-52, Oregon"Easy to navigate through website and app"
-Age 37-52, Texas"I like this company a lot"
-Age 37-52, Texas"Prompt service"
-Age 37-52, Texas"USAA is easy to work with, has competitive rates and never fails to meet my needs."
-Age 37-52, Texas"Quality of the insurance product is very good"
-Age 37-52, Virginia"USAA is a great insurance. The customer service is excellent and if you have a family member or yourself have a military background, you should sign up. Rates are great."
-Age 37-52, Virginia"Easy to access anytime you want. Can always chat, text or talk if needed."
-Age 53+, Arizona"They are terrific and no one is better"
-Age 53+, Arizona"Very quick to send payment for claims. Very understanding."
-Age 53+, Arizona"Easy to reach for advice."
-Age 53+, California"Good Customer service"
-Age 53+, California"If you qualify use them they are just the best"
-Age 53+, California"Our experience with USAA has been good though we have never had to file a claim"
-Age 53+, California"They are the best insurance company...they cover things no other insurance company covers and their rates are competitive. They also have great customer service."
-Age 53+, California"USAA services our countries servicemen and Servicewomen. They are giving back to those who have given to our country and our freedom. USAA stands for what they believe in. So, being a Navy Brat myself I went with the best."
-Age 53+, California"Very responsive and helpful"
-Age 53+, California"Excellent service and pricing."
-Age 53+, Florida"They care about their customers."
-Age 53+, Florida"They have your back"
-Age 53+, Florida"Any time I have talked to someone from USAA, they have been very friendly and helpful."
-Age 53+, Georgia"I have always had good experiences with this company and have been with them for many years."
-Age 53+, Georgia"USAA listens to your needs and helps you find the best coverage at an affordable rate with the ability to increase or decrease your coverage as needed."
-Age 53+, Georgia"The company is like family we've been with them so long"
-Age 53+, Georgia"Quick to answer questions, offer a host of services."
-Age 53+, Illinois"USAA is always reliable with always being there for me."
-Age 53+, Illinois"Easy to work with, good service, fair prices."
-Age 53+, Michigan"Most energetic team of individuals I have ever talked to "
-Age 53+, Michigan"USAA has provided me and my family coverage for more than 35 years abd it still our preference."
-Age 53+, New York"I wound up being insured by USAA because my brother used them for years and when I moved to NC he suggested I use them as well. I didn't get homeowners insurance until I actually did buy an apartment a number of years after I had arrived here and I've never had any claim to file for my place, but I did have an experience with them before I got my own home. My brother and sister-in-law took a week off to go on a cruise and they asked me to keep an eye on their dog and their home. I wasn't able to walk their dog so they hired someone else to walk him and I met her at the house early every morning. Everything was going fine until one morning when I got to their street and found fire trucks all over the place and learned that their townhouse had caught fire. I felt horrible, especially since their dog died in the fire, and I wanted to do everything I could to help. I called them on the ship and told them what happened and I asked my brother if he wanted me to get things started with the insurance claim. He asked me to do that so I did. USAA was fantastic. They bent the rules a bit so that I could give them all the information they needed about the fire and help them get started. I met the investigator at the house the next day and we went over everything before my brother got home. I was very grateful to them for taking such good care of me and my brother."
-Age 53+, North Carolina"Great CSRs, very helpful"
-Age 53+, Pennsylvania"They are supportive"
-Age 53+, Pennsylvania"They are the same as my auto insurance carrier and provide superb customer service, are caring, helpful and resolve issues and claims quickly and easily"
-Age 53+, Pennsylvania"They stand behind veterans"
-Age 53+, Pennsylvania"Great customer service"
-Age 53+, South Dakota"They care about my needs"
-Age 53+, Texas"Good rates and excellent coverage"
-Age 53+, Wisconsin