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USAA Home Home Insurance Review

By Policy Scout
Updated Jul 8, 2022
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USAA Home
Sample Costs
1432
AM Best Rating
4.7
View PolicyScout Review
4.4
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USAA Home Insurance Review

Overview

If you are a current or past member of the United States military, USAA is a reliable option for your home insurance needs. Founded in 1922, USAA has been in the business for nearly a century and prides itself on being the best choice for insurance for military members and their families. USAA policies are specifically tailored for military members, and even offers uniform and military equipment coverage in the event of loss or damage if the items are stored in your home. It also offers a home-sharing coverage for homeowners who rent out a room or a portion of their house (particularly helpful for military families who are often on the move but have a “home base” somewhere!).

PolicyScout Review

We highly recommend USAA for veterans, military members, and their families, thanks to the company’s financial strength and outstanding customer service. USAA received the absolute highest customer service score when compared to competitors. Members of this company are among the most devoted policyholders, perhaps thanks in part to their profit-sharing policies. The company has no shareholders, so profits are used to bolster financial strength or divvied up among members. This means you may end up getting a significant portion of your premium back if USAA has had a “good” year. In 2015, USAA returned over $1.6 billion to its members.

Pros:

  • Highest customer satisfaction ratings in the industry

  • Catered service for military members and their families

  • Excellent online support community

  • Outstanding website and digital tools/member perks

  • Discounts for home security system installation and monthly monitoring

Cons:

  • Higher-than-average premiums

  • Only available for military personnel and their families

  • No available discounts for fire alarms

Thanks to their stellar customer service, USAA is an excellent choice for homeowner’s insurance if you are an active or retired military service member. Though their premiums are not the cheapest on the market, their online portal with a strong community presence and financial strength may make the higher premiums worth it.