USAA Home Insurance Reviews and Ratings

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.

Customer Complaint Ratio

The complaint data is gathered from the NAIC Complaint Index, which collects complaint information from state insurance regulators and then compares a company’s performance to other companies in the same insurance market. The national average is always calculated to be 1.00; those above 1.00 are worse than the national average and those below are better (have less complaints) than the national average. Read more at the NAIC website.

Note: Many companies have a variety of subsidiaries listed with the NAIC, the one rated here may be different than the one that writes your policy. Check with your company/agent for specific information.

( USAA’s customer complaint ratio for Homeowners insurance is 0.23 )

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 home Insurance

In 1922, USAA was founded in San Antonio when 25 Army officers came together to insure each other's automobiles. In the same year, Maj. Walter Moore purchases an automobile insurance policy and becomes USAA's first member.

In 1923, membership was expanded to include Navy and Marine Corp officers. 

By 1931 membership had doubled from 15,000 to 30,000, despite the Great Depression. In 1934 membership was expanded to include Foreign Service officers, State Department officials and their widows. In 1946, USAA added several new automated office machines, becoming an industry leader in technology.

Membership was opened to Air Force officers in 1948 and in 1969, USAA had it's millionth member join, Officer Candidate Eugene Butel of Fort Sill, Oklahoma. In 1996, enlisted personnel become eligible for membership.

Their website, usaa.com, was launched in 1999 and by 2009 all men and women who are serving or have honorably served in the U.S. military and their families become eligible for membership. By 2017, USAA served over 12 million members, with a net worth of $31 billion.