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USAA Renters Insurance Review

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USAA is a Fortune 500 banking and insurance firm based in Texas. The company serves active and former American servicemen and women, their families, military retirees, cadets, and midshipmen. Among other insurance products, the firm provides renters insurance which covers tenants' property, their premises, and liability.
 
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How is USAA rated?

Breakdown

4.8/5
Coverage Options
3.5/5
Add-Ons & Discounts
3.0/5
Customer Service
4.5/5
Financial Strength

Overall Rating: 3.9 / 5 (Very good)

USAA is a rock-solid insurance company from a financial point of view, earning the highest or second-highest possible scores from the big three ratings agencies. The company's renters policies cover floods and earthquakes, coverage that either isn't offered by many of its competitors, or is only available as an add-on. The company has had some issues with its customers, as evidenced by an unusually high number of negative reviews and complaints. It also doesn't offer customers many types of additional coverages that some tenants may wish to purchase. The company's renters insurance policies might be quite attractive to people who live in areas prone to flooding or earthquakes, as well as to people who prioritize a company's financial strength.

USAA Coverage

Coverage Options - 4.8 / 5

USAA's renter insurance covers liability, theft, fire, flood, earthquakes, and damage as part of the standard policy. The inclusion of flood and earthquake coverage stands out particularly. Consumers can also purchase replacement cost coverage for their possessions. While the company does not offer as many optional coverages as some carriers, it makes up for this fact with its expanded array of standard coverages.
Basic Coverage
Personal Property
Personal Liability
Loss of Use / Additional Living Expenses
Optional Coverage
Scheduled Coverage
Off-premises Event Coverage

Pricing & Discounts

Add-Ons & Discounts - 3.5 / 5

USAA's renters insurance premiums vary according to location, coverage limits, deductible, and coverage options. These start at $12 per month, though few customers will qualify for that rate. The company offers discounts for monitored alarm systems, being claims-free for three years, and having another type of USAA policy. These discounts are not as substantial as many of USAA's competitors'. The most salient requirement, however, is that prospective customers must either currently be in or retired from the U.S. military.
Property-Level Discounts
Burglary Protected
Fire Protection

Customer Experience

Customer Service - 3 / 5

It's not unusual for big companies--especially big banking and insurance companies--to have far more negative consumer comments than positive ones. However, the number of negative reviews, complaints, and comments about USAA with the BBB and TrustPilot are concerning. The most frequent complaints relate to the lack of timely responses to claims. The amount of complaints and negative reviews suggest that the company has a lot of room for improvement in its customer interaction.

Customer Ratings

TrustPilot Rating
3.2 out of 5
BBB Rating
B-
Number of BBB Neutral Reviews
4

National Association of Insurance Commissioners

NAIC Complaint Ratio
0.22
NAIC Total Complaints
52
*The NAIC complaint ratio (in this case 0.22) is a ratio of the number of complaints a company received to the its 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.

Financial Strength Ratings

Financial Strength - 4.5 / 5

USAA is one of the most financially strong insurers in the country. It has Standard & Poor's and Moody's second-highest financial ratings and AM Best's top rating. The company has been in business for over 95 years, suggesting that its money managers know how to steer the firm's finances through good times and bad.
Underwriter
United Services Automobile Association
Standard & Poor's Financial Rating
AA+
Moody's Financial Rating
Aaa
AM Best Financial Rating
A++
Company Type
Underwriter
*The above information reflects the financial strength of the underwriter of the USAA renters insurance policies: United Services Automobile Association.

Contact & Additional Information

Homepage URL
https://www.usaa.com/
Company Phone
(800) 365-8722
Headquarters Address
9800 Fredericksburg Rd, San Anrtonio, TX, 78288
Year Founded
1922

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