USAA home insurance ratings and review 2026

USAA is not ranked due to its eligibility requirements; however, it achieved an overall score of 4.49 and the highest customer survey score at 4.53. Rates are below average, and the company offers military-specific perks as well as enhanced standard coverage.

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Written by Leslie Kasperowicz
Leslie Kasperowicz
Leslie Kasperowicz

Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

 |  Reviewed by quality verifiedScott Nyerges
Scott Nyerges
Scott Nyerges

Scott Nyerges is an insurance expert and managing editor, insurance. Previously, he was a senior insurance editor and content strategist at U.S. News & World Report, and worked for Consumer Reports, MSN and Cheapism.com.

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Our take: USAA home insurance

USAA is not ranked due to its eligibility requirements; however, if it were, it would have ranked second, behind only Amica. It had the best survey score of all companies, but several companies offer significantly lower rates.

  • No other company performed as well in our survey; USAA had the top score for claims handling, digital experience, discounts and more.
  • Although there are companies with lower rates, USAA is still below average, and we believe it’s worth considering that it offers policy perks not available elsewhere at that rate. 
  • USAA has consistently scored very well in all areas of the survey over the years, and consistency is something we look for in a good insurance company.

Below is our full review of USAA.  It’s based on the results of our survey, average rates and third-party metrics, including the NAIC customer complaint index and AM Best financial ratings. Find the full methodology here

USAA
4.49 Insure.com Score
Average Premium
$2,401
Customer Survey
NAIC
AM Best Rating
A++
Effective date:
Pros and cons
Pros:
  • Military-focused: Extra perks for military families and military-specific coverage
  • Top-rated for claims: Customers are highly satisfied with the claims handling at USAA
  • Solid reputation: Best customer survey score of all companies listed
Cons:
  • No agents: Direct sales online or over the phone, no in-person service
  • Only available to military members, veterans and their families

Who should buy USAA home insurance?

USAA is a good choice for you if:

  • You want to work with a company that understands the needs of military families
  • You’re willing to pay a little more for top-notch service
  • You want a home insurance policy that comes with extras 

It might not be the best choice if:

  • The cheapest rates are your top priority
  • You prefer to work with an insurance agent for personal advice

USAA home insurance cost: Coverage and competitor comparison

At $2,401 per year on average, USAA’s rates are a little below the national average of $2,543. That’s a change for USAA, which has historically been among the cheapest carriers.

  • Rates are about $900 higher than the cheapest national carrier in our ranking, Amica ($1,510)
  • More expensive than all of the regional AAA-branded companies in the list: Auto Club Enterprises ($1,335), Auto Club Group ($1,888) and CSAA ($1,496)
  • A little cheaper than State Farm ($2,448) but about $400 more expensive than Allstate ($2,049)

It’s worth noting that USAA home insurance policies include some coverages as standard that are optional with most other companies, such as replacement cost coverage for personal property.

Here’s a look at average rates by coverage level for USAA and other companies at various coverage levels.

CompanyCoverage levelAverage annual premium
Allstate$200,000 with a $1,000 deductible and $300,000 liability$1,717
Allstate$300,000 with a $1,000 deductible and $300,000 liability$2,049
Allstate$400,000 with a $1,000 deductible and $300,000 liability$2,384
Allstate$600,000 with a $1,000 deductible and $300,000 liability$3,110
Allstate$1,000,000 with a $2,500 deductible and $300,000 liability$4,356
American Family$200,000 with a $1,000 deductible and $300,000 liability$2,076
American Family$300,000 with a $1,000 deductible and $300,000 liability$2,759
American Family$400,000 with a $1,000 deductible and $300,000 liability$3,473
American Family$600,000 with a $1,000 deductible and $300,000 liability$4,867
American Family$1,000,000 with a $2,500 deductible and $300,000 liability$6,825
Amica$200,000 with a $1,000 deductible and $300,000 liability$1,123
Amica$300,000 with a $1,000 deductible and $300,000 liability$1,510
Amica$400,000 with a $1,000 deductible and $300,000 liability$1,803
Amica$600,000 with a $1,000 deductible and $300,000 liability$2,401
Amica$1,000,000 with a $2,500 deductible and $300,000 liability$3,296
Auto Club Enterprises (AAA)$200,000 with a $1,000 deductible and $300,000 liability$906
Auto Club Enterprises (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,335
Auto Club Enterprises (AAA)$400,000 with a $1,000 deductible and $300,000 liability$1,765
Auto Club Enterprises (AAA)$600,000 with a $1,000 deductible and $300,000 liability$2,687
Auto Club Enterprises (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$4,253
Auto Club Group – ACG (AAA)$200,000 with a $1,000 deductible and $300,000 liability$1,503
Auto Club Group – ACG (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,888
Auto Club Group – ACG (AAA)$400,000 with a $1,000 deductible and $300,000 liability$2,519
Auto Club Group – ACG (AAA)$600,000 with a $1,000 deductible and $300,000 liability$3,785
Auto Club Group – ACG (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$5,513
Auto-Owners$200,000 with a $1,000 deductible and $300,000 liability$2,249
Auto-Owners$300,000 with a $1,000 deductible and $300,000 liability$2,840
Auto-Owners$400,000 with a $1,000 deductible and $300,000 liability$3,466
Auto-Owners$600,000 with a $1,000 deductible and $300,000 liability$4,642
Auto-Owners$1,000,000 with a $2,500 deductible and $300,000 liability$6,819
CSAA Insurance (AAA)$200,000 with a $1,000 deductible and $300,000 liability$1,068
CSAA Insurance (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,496
CSAA Insurance (AAA)$400,000 with a $1,000 deductible and $300,000 liability$1,891
CSAA Insurance (AAA)$600,000 with a $1,000 deductible and $300,000 liability$2,618
CSAA Insurance (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$3,332
Erie Insurance$200,000 with a $1,000 deductible and $300,000 liability$1,888
Erie Insurance$300,000 with a $1,000 deductible and $300,000 liability$2,783
Erie Insurance$400,000 with a $1,000 deductible and $300,000 liability$3,526
Erie Insurance$600,000 with a $1,000 deductible and $300,000 liability$4,927
Erie Insurance$1,000,000 with a $2,500 deductible and $300,000 liability$6,743
Farmers$200,000 with a $1,000 deductible and $300,000 liability$2,032
Farmers$300,000 with a $1,000 deductible and $300,000 liability$2,820
Farmers$400,000 with a $1,000 deductible and $300,000 liability$3,667
Farmers$600,000 with a $1,000 deductible and $300,000 liability$5,377
Farmers$1,000,000 with a $2,500 deductible and $300,000 liability$8,048
Nationwide$200,000 with a $1,000 deductible and $300,000 liability$2,219
Nationwide$300,000 with a $1,000 deductible and $300,000 liability$2,983
Nationwide$400,000 with a $1,000 deductible and $300,000 liability$3,752
Nationwide$600,000 with a $1,000 deductible and $300,000 liability$5,342
Nationwide$1,000,000 with a $2,500 deductible and $300,000 liability$7,761
Progressive$200,000 with a $1,000 deductible and $300,000 liability$3,421
Progressive$300,000 with a $1,000 deductible and $300,000 liability$4,227
Progressive$400,000 with a $1,000 deductible and $300,000 liability$4,951
Progressive$600,000 with a $1,000 deductible and $300,000 liability$6,624
Progressive$1,000,000 with a $2,500 deductible and $300,000 liability$8,699
State Farm$200,000 with a $1,000 deductible and $300,000 liability$1,915
State Farm$300,000 with a $1,000 deductible and $300,000 liability$2,448
State Farm$400,000 with a $1,000 deductible and $300,000 liability$2,926
State Farm$600,000 with a $1,000 deductible and $300,000 liability$3,913
State Farm$1,000,000 with a $2,500 deductible and $300,000 liability$5,297
Travelers$200,000 with a $1,000 deductible and $300,000 liability$1,771
Travelers$300,000 with a $1,000 deductible and $300,000 liability$2,235
Travelers$400,000 with a $1,000 deductible and $300,000 liability$2,708
Travelers$600,000 with a $1,000 deductible and $300,000 liability$3,754
Travelers$1,000,000 with a $2,500 deductible and $300,000 liability$5,658
USAA*$200,000 with a $1,000 deductible and $300,000 liability$1,798
USAA*$300,000 with a $1,000 deductible and $300,000 liability$2,401
USAA*$400,000 with a $1,000 deductible and $300,000 liability$2,939
USAA*$600,000 with a $1,000 deductible and $300,000 liability$3,957
USAA*$1,000,000 with a $2,500 deductible and $300,000 liability$5,433
*USAA is only available to military community members and their families.
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How USAA scores for customer satisfaction, ease of service, policy offerings and claims 

Of our four main categories on which we rank insurance companies, USAA performed best in claims, achieving the top score of all companies for claims handling at 87% satisfaction.

USAA tied with Liberty Mutual, which was not ranked, for ease of service (93%) and ranked near the top in the other two categories as well. For customer satisfaction, USAA scored 91%, and for policy offerings, 88%.

Overall, USAA is one of the best-rated companies in the survey.

Below, we’ve compared USAA with top competitors for overall customer satisfaction, ease of getting service, policy offerings and claims handling. The numbers represent the percentage of the company’s customers in our survey who were satisfied or highly satisfied in that category.

CompanyCustomer satisfactionEase of servicePolicy offeringsClaims handling
USAA*91%93%88%87%
State Farm85%92%86%79%
Progressive76%79%77%65%
*USAA is only available to military community members and their families.
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How USAA scores on customer recommendations, trust and renewals

In our survey, USAA performed very well when we asked three important questions:

  • Would you recommend your insurer to others?
  • Do you trust your insurer?
  • Do you plan to renew with your insurer?

USAA’s score of 90% was in the upper range for recommendations to others, and it also scored near the top for trust (92%) and customers who plan to renew (95%).

CompanyRecommendedTrustworthinessRenewals
USAA*90%92%95%
Allstate89%91%95%
Progressive82%79%87%
*USAA is only available to military community members and their families.
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How USAA scores for digital experience, auto/home bundling and discounts

USAA members offered high opinions of the company across all three categories, with 90% satisfaction for the digital experience and 81% for discounts, the highest scores among all companies in those categories.

USAA was only slightly below the top scorer, Auto Club Enterprises (95%), in bundling.

The table below shows the percentage of customers who said they were satisfied or highly satisfied in each category.

CompanyDigital experienceAuto/home bundlingDiscounts
USAA*90%92%81%
Travelers83%75%58%
State Farm76% 88% 64%
*USAA is only available to military community members and their families.
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Types of home insurance offered by USAA

  • Homeowners: Standard (broad form, HO-3)
  • Renters: Coverage for tenants (HO-4)
  • Condo: Coverage for condominiums (HO-6)
  • Landlord: Coverage for a rental property
  • Mobile home: Coverage for mobile/manufactured homes
  • Flood: Sold through the NFIP Write-Your-Own program

USAA home insurance discounts

  • Bundle savings: Save on home insurance when you have auto insurance with USAA
  • Protective device: For monitored fire or home security systems
  • Connected home: For smart devices that detect water leaks and smoke, and monitor for security
  • Multi-product: Discount for buying additional USAA products, including using its banking services
  • Loyalty: Keep your policy for three years
  • Claims-free: Discount for having no claims for five or more years

Who qualifies for USAA home insurance?

You qualify for USAA home insurance via membership, and membership is available to:

  • Military members, active duty or reserve
  • Veterans, honorable or general under honorable conditions discharge
  • Precommissioned officers: contracted cadet or midshipman, officer or warrant officer candidates
  • Spouses and former spouses of USAA members
  • Children of USAA members
  • Employee of:
    • Defense Criminal Investigation Services (DCIS)
    • Drug Enforcement Administration (DEA)
    • Federal Bureau of Investigation (FBI)
    • Naval Criminal Investigative Service (NCIS)
    • Secret Service (SS)
    • U.S. Air Force Office of Special Investigations (AFOSI)
    • U.S. Army Criminal Investigation Command (ACIC)
    • U.S. Department of State (DOS) – limited to Foreign Service Officers and certain Foreign Service Employees who are or were on permanent appointment.
    • Merchant Marine Academy (USMMA) Staff and Faculty – limited to current staff and faculty holding a commission granted by the Marine Administration.

States where USAA offers coverage

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Table

States where USAA offers coverage
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
Washington, D.C.
West Virginia
Wisconsin
Wyoming
*USAA is only available to military community members and their families.
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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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USAA at a glance

USAA

  • Serves only military members, veterans and their families 
  • $11,904,468,132 in direct premiums written, third-largest by market share as of 2024 NAIC Market Share Report
  • Policies are sold directly over the phone or online; USAA doesn’t work with agents

Contact USAA at www.usaa.com or 800-531-8722.

Resources & Methodology

Sources:

NAIC. “NAIC Releases 2024 Market Share Data” Accessed December 2025.

USAA. “Quality protection can be affordable” Accessed December 2025.

USAA. “Member focused” Accessed December 2025.

Methodology

In late 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on satisfaction, ease of service, policy options, claims handling, digital experience, discounts, bundling, rate increases, older homes and standard coverages. We also asked whether they planned to renew, would recommend their insurer and trusted their insurer.

For insurers with enough survey responses, we added:

  • AM Best financial strength ratings, which measure an insurer’s ability to pay claims
  • NAIC complaint index scores, which show how many customer complaints an insurer receives relative to its size
  • Average premium data from Quadrant Information Services, based on a policy with:
    • $300,000 in dwelling coverage and liability
    • A $1,000 deductible and a 2% deductible where appropriate

With guidance from Prof. David Marlett, Ph.D., managing director of the Brantley Risk and Insurance Center at Appalachian State University, we applied the following weights to calculate each company’s final rating:

  • Customer survey: 40% (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
  • AM Best: 25%
  • Average premium: 20%
  • NAIC complaints: 15%

Each insurer received a rating between 0.5 and 5 stars.

author image
Leslie Kasperowicz
Managing Editor

 
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Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

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