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USAA Home Insurance Reviews And Ratings

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USAA Ratings
Overall Rating
Claims Processing
Customer Service
Value for Price
Website & Apps
Customers who recommend 92%
Who Plan to Renew 95%
AM Best Financial Strength Ratings A++

About USAA Home Insurance Company

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,, 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.

USAA Home Insurance Coverages

  • Dwelling
  • Liability
  • Medical payments to others
  • Additional living expenses
  • Home Insurance
  • Renters Insurance
  • Condo Insurance
  • Rental Property

USAA Home Insurance Discounts

  • Bundle and Save
  • Claims-Free Discount
  • Home Security Credit
  • Other discounts may be available, it varies by state

USAA Home Insurance Additional Coverage

  • Auto Insurance
  • Valuable Personal Property Insurance
  • Flood Insurance
  • Life Insurance
  • Annuities
  • Umbrella Insurance
  • Motorcycle, RV & Boat Insurance
  • Small Business Insurance
  • Dental
  • Vision
  • Medicare
  • Collectibles Insurance
  • Mobile Home Insurance
  • Farm and Ranch Insurance

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.

How likely customers would recommend this company?

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

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?

  • In person 21%
  • Phone 29%
  • Email 13%
  • Interactive website 27%
  • Mobile App 10%

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

In which states is USAA available?

Customer Reviews

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:

Customer Reviews

259 Reviews. 4.5 Stars out of 5
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