USAA home insurance ratings

Home best-home-company-ratings
Overall Rating info icon info icon
4.5 ratings
Claims Processing
4.5 ratings
Customer Service
4.5 ratings
Value for Price
4.5 ratings
Website and Apps
4.5 ratings
% Who Would Recommend to a Friend
92%
% Who Plan to Renew
95%
AM Best Financial Strength Ratings info-icon info-icon July 01, 2021
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.

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.

Types of coverage offered by USAA home insurance

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

Discounts offered by USAA home insurance

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

Additional coverage offered by USAA home insurance

  • 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

In which states USAA is available?

States in which USAA is available
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
West Virginia
Wisconsin
Wyoming
Washington D.C.

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

Customer Complaint Ratio

info icon
( 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

More things to consider about USAA homeowners insurance

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%

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.

home
Go to USAA site now to get a quote
money-fs
See How Much You Can Save!
Compare free quotes from companies near you
zip-pin Please enter valid zip
money-fs

Other Companies to Consider: