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USAA Home Insurance Review

28 Customer Comments & Reviews - see all comments
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Founded in Texas in 1922, the United Services Automobile Association (USAA) is an insurance, banking, and financial services corporation focused on serving the military community. The company, founded by 25 U.S. Army officers looking to insure each other's vehicles through a reciprocal inter-insurance exchange, has since expanded to offer related services such as life and homeowners insurance.

How is USAA rated?

Breakdown

4.8/5
Coverage Options
4.8/5
Pricing and Discounts
4.8/5
Customer Service
4.6/5
Financial Strength
4.8/5
Add-On Coverages

Overall Rating: 4.7 / 5 (Excellent)

USAA is an fine choice for US service men and women and veterans. The company's considerable experience in working with military families sets it apart from most other companies. Its well-established financial strength suggests that it has been well-managed in its 95 years of existence. Since the company only serves military members, veterans, and their families, however, it cannot be considered an option for the general non-military customer.

Financial Strength

Financial Strength - 4.6 / 5

USAA has the highest-rated financials of any major US homeowners insurance company. Standard & Poor's, AM Best, and Moody's all give the company exceptionally high marks. The company has been in business for 95 years and has nearly 6% of the US homeowners insurance market, which provides a cushion against localized disasters and claims events.
Underwriter
USAA
Marketshare
5.85%
Premiums Written
$0
Standard & Poor's Financial Rating
AA+
Moody's Financial Rating
NP
AM Best Financial Rating
A++
*The above information reflects the financial strength of the underwriter of the USAA home insurance policies: USAA.

Customer Experience

Customer Service - 4.8 / 5

While USAA does an admirable job at serving members and former members of the US military and their families, it is not generally available to people without a military connection, which is a significant exclusion. Although the company is rated A+ by the BBB, it has a substantial number of BBB and NAIC complaints.

National Association of Insurance Commissioners

NAIC Complaint Ratio
0.54
NAIC Total Complaints
86
*The NAIC complaint ratio (in this case 0.54) is a ratio of the number of complaints a company received to the total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

BBB Rating
A+
Number of BBB Positive Reviews
21
Number of BBB Neutral Reviews
5
Number of BBB Negative Reviews
221
Date Collected
2017-12-10

USAA Coverage

Coverage Options - 4.8 / 5

USAA offers fairly standard homeowners insurance policies that can include some very consumer-friendly features. Most significantly, it covers the actual replacement cost of personal property, with zero depreciations. The company also includes some offers that are uniquely tailored to military families, such as coverage for damage to uniforms.
Basic Coverage Types
Dwelling Protection
Other Structures Protection
Personal Property Protection
Liability Protection
Guest Medical Protection
Additional Coverage
Scheduled Personal Property Coverage

Pricing & Discounts

Pricing and Discounts - 4.8 / 5

USAA's policies are written for members of the US armed services, veterans, and their families. By limiting the pool of its potential customers, USAA is able to offer very competitive prices. Discounts are offered to people who have other types of USAA insurance, such as motor vehicle coverage.

Policy Discounts

  • Multi-Policy

Contact & Additional Information

Homepage URL
Company Phone
(210) 531-8722
Headquarters Address
9800 Fredericksburg Road, San Antonio, TX, 78288
Year Founded
1922

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28 Customer Comments & Reviews

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wtwpaul1357
9/11/2022
USAA stands for Universal Scam Across America - way worse than Wells Fargo - targets America's veterans - BE AWARE & BEWARE


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Steve F
3/2/2022
Thwere is no record of PNC Bank having perchassed or owning USAA. In 2020 PNC sued USAA for patent infringement. Charles Schwab purchased USAA's Investment Division. Any further information about PNC Bank and USAA would be appreciated.


wrmgesconti
12/10/2021
As a USAA senior member of over 44 years - it is NOT the same company my father and uncles help to foster as the company stands on past record and policies - NOT on current administration and practices. There has been a significant company company business "cultural" shift since acquired by PNC Bank. Still, not fully exposed - USAA questionable and ethical insurance practices are being challenged in not only individual legal challenges but in "class action" suits nationwide as well as being reviewed by both State and federal agencies. USAA has prospered and grown not so much to better serve the interests of U.S. military and veterans - while expanding eligibility for other insured - but... Read More


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JOHN H
9/23/2021
We have had personal property insurance on our Townhouse for over 20 years and never had a claim till last May when a leak in our shower stained the living room ceiling. We had the leaking pipe repaired and then had the celing repaired, so far we have spent over $5K and have had a terrible experience with the USAA claims adjusters.First the claims aduster was replaced several times and the new adjuster had to familiarize herself with our case, then USAA kept telling us they needed more details from the Condo association, we have been trying for over 4 months to have our claim processed and have spent countless hours going back and forth with USAA and our Homeowners association, as of today... Read More


scott.lecompte
8/28/2021
11-year USAA member here. We have checking, savings, 2 homeowners policies, 4 auto policies, 1 personal property insurance policy, 2 auto loans, and a credit card with them. We purchased mold endorsements with our policies at the time of creation. 2-years ago, we repaired a plumbing leak behind our washer and dryer, and confirmed there was no mold damage. When replacing floors recently, we discovered mold on the baseboard extending onto the studs surrounding the area where the leak occurred. After filing a claim with USAA and providing proof of repairs, pictures of damage, professional inspection, and testing results confirming the source, our claim was denied because it was not... Read More


gmornstarshine
8/23/2021
USAA HOMEOWNER'S INSURANCE IS TERRIBLE. I HAVE RECEIVED 4 NOTICES THAT MY INSURANCE IS CANCELLED, WHEN I SIMPLY CHANGED IT. I KEEP HAVING TO CALL TO CONFIRM MY INSURANCE & HAVE SPENT WAY TOO MUCH TIME WORRYING OVER IT. DO NOT GO WITH USAA. THEIR STUPID, INANE COMPUTER SYSTEM GENERATES THESE DOCUMENTS WHICH HARASS YOU ENDLESSLY. USAA also screwed up with our investments there. They keep changing the company which manages investments. Not all tax documents were sent, and I had to pay a CPA a 2nd time to amend my tax returns. USAA has gone through too many changes & cannot manage all that they are trying to do. The people on the phone are nice, but say that they can't fix any of these... Read More


tlackerman89
5/4/2021
It is time to leave USAA the management has changed. They used to be the best insurance company, but over the last 20 years they have dropped to a B rating. They take anybody now not just military. I have over an 800 credit rating, but I can't a loan from them. I can never talk to anybody in person. I am going back to State Farm where I feel like an actual person. Their insurance coverage is usually about half of what it should be, so plan on losing money if you have to make a claim.


Kathy T
4/6/2021
USAA quotes you a homeowners price and then changes it, and even posts the change under the wrong area - I assume so you don't see it. Worst company to deal with - but they all say "Yes Sir - Yes Ma'am" because that makes everything better.


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Roger S
12/5/2019
I WOULD NOT RECOMMEND anyone use this company! Here's why: I joined USAA when I was active duty and have now been a member for over 45 years. During that time I have watched USAA deteriorate in it's quality and customer service, especially after it was allowed to move into banking and financial services, and increased it's control over additional options to fleece it's customers. In my 45 plus years I've submitted 3 claims two of which were for auto accidents (that were not my fault) both times the other drivers (one a USAA member) ran either a stop sign or stop light and totaled my cars. In both cases I had to fight to get even enough money to get a replacement vehicle anywhere near... Read More


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John B
12/4/2019
I filed a claim on my home in September of this year. I've turned in all the paperwork, police report, invoices ( I already paid out of my pocket.) totaling over $15,000. I've been getting the run arounds from their field claim adjuster. All I'm getting is useless apologies and no action on getting my claim paid. USAA how you got a 4.5 rating is beyond me this is my very first ever claim on my house and you all failed me big time. I got auto insurance, renters insurance, with them as well. Guess what after this I won't anymore



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  • Covers common occurrences like fire or theft and accidents
  • Protect your valuable items (electronics and jewelry) 
  • A wide range of excellent coverage options