USAA Homeowners Insurance Company Reviews & Ratings

See who are the best homeowners insurance companies rated by customers. Our research shows that homeowners can save as much as 35% on their homeowners insurance by getting quotes from multiple companies. Enter your zip code below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!


USAA Overall Ratings

Company Customer Service Premium Communications Website/App Policy Offerings
USAA

Reviews by customers

Website/App

1 Star

2 Reviews

 

3 Star

29 Reviews

 

2 Star

6 Reviews

 

5 Star

233 Reviews

 

4 Star

100 Reviews

 
Policy Offerings

3 Star

33 Reviews

 

2 Star

1 Review

 

5 Star

393 Reviews

 

4 Star

121 Reviews

 
Communications

1 Star

2 Reviews

 

3 Star

31 Reviews

 

2 Star

2 Reviews

 

5 Star

270 Reviews

 

4 Star

59 Reviews

 
Premium
USAA Homeowners Insurance Company Ratings

1 Star

3 Reviews

 
USAA Homeowners Insurance Company Ratings

2 Star

21 Reviews

 
USAA Homeowners Insurance Company Ratings

3 Star

88 Reviews

 
USAA Homeowners Insurance Company Ratings

4 Star

205 Reviews

 
USAA Homeowners Insurance Company Ratings

5 Star

454 Reviews

 
Customer Service

1 Star

3 Reviews

 

3 Star

35 Reviews

 

2 Star

5 Reviews

 

5 Star

603 Reviews

 

4 Star

119 Reviews

 

USAA Recent Homeowners Insurance Reviews & Ratings | Share Your Review

Date: April 16, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Premium
I was able to select for a range of possible premiums and was happy with what I choose. I have not done any recent comparisons to see if there are better deals out there.


Date: April 16, 2019    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
I've had a great experience with USAA with my home insurance. They go above and beyond to answer any questions in a polite way.


Date: April 16, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
I call infrequently, but when I do the company is respectful and helpful with what I need. However it is annoying that the call center uses an auto generated voice system at the begining.


Date: April 16, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Premium
the premium is not the cheapest. The deductible is competitive. Overall, my budget does not suffer from the costs of having insurance through USAA.


Date: April 16, 2019    Age: 20 to 29    Gender: Female    Marital Status: Married

Policy Offerings
I think USAA offers great options and great coverage. We were able to bundle a lot of coverage together easily.


Date: April 16, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Premium
The premium and deductible offered by my home insurance company compared really well with other insurance policies. The premiums I pay are are online with industry standards and every comparable.


Date: April 16, 2019    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
Our insurance provider is wonderful. Very simple to understand and use. Very helpful customer service representatives.


Date: April 16, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
Good customer service. Responsive to my calls when I call and I don't have to wait long. Very nice and attentive to my needs.


Date: April 15, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
OUR CUSTOMER SERVICE IS TOO GOOD, UNTIL NOW WE DO NOT HAVE A COMPLAINT OF A CLIENT SIERE ARE SATISFIED


Date: April 15, 2019    Age: 40 to 49    Gender: Female    Marital Status: Married

Policy Offerings
I rate the companies policy a 5. They have the best policy around.


Date: April 15, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
I don't know what other insurance companies offer as far as premiums. I didn't price compare because I was satisfied with my car insurance so I used them for home insurance.


Date: April 15, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
I had a flood about 6 months ago, and they were johnny on the spot with having a recovery team out there. By phone, they were amazing. Always there when I needed them.


Date: April 15, 2019    Age: 40 to 49    Gender: Female    Marital Status: Married

Customer Service
I rate my insurance company a 5. They have the best customer service of any company I have used.


Date: April 15, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
USAA has offers pretty much the same deductible options as all the other major providers. They did have the lowest premiums of everyone I got a quote from.


Date: April 15, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
Honestly, I'm not entirely sure what USAA offers that others don't.I know that they always call me by my rank and provide me with excellent surefire service each time.


Date: April 15, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
Our home insurance company's customer service is excellent. They are very thorough and extremely responsive when an issue arises for us.


Date: April 15, 2019    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Policy Offerings
They have everything I have always needed for insurance, either by my own knowledge or from what other people have explained I should have. At decent prices.


Date: April 15, 2019    Age: 20 to 29    Gender: Female    Marital Status: Married

Policy Offerings
i think there are plenty of other policies that have alot more to offer then the one i am currently going with. i sometimes wish i would have shopped around before sticking to a commitment.


Date: April 14, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
Very satisfied in my insurance companies rates and coverage.On more than one occasion they helped me through a tough situation.


Date: April 14, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Premium
My premium was several hundred dollars less than several other quotes I received. The deductable was the same but I was happy with how much cheaper it was overall.


Date: April 14, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
Our deductible is very reasonable and while I'm not comfortable giving out that information, it's priced in such a way that it's very affordable if we had a problem.


Date: April 14, 2019    Age: 40 to 49    Gender: Female    Marital Status: Married

Premium
My rates are not only low but so i my deductible. It is nice to be able to have both low payments and low deductible.


Date: April 14, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
USAA is one of the few insurance companies that will pay you the complete cost to rebuild your home, without factoring in depreciation. I would definitely rate them one of the best .


Date: April 14, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
Our premium and deductible seems to be a little better than others for normal coverage. But, our name storm policy deductible was much higher than I realized.


Date: April 14, 2019    Age: 20 to 29    Gender: Male    Marital Status: Married

Customer Service
I would give USAA a 5 out of 5 because their customer service staff are always helpful and kind. They understand military members such as myself.


Date: April 14, 2019    Age: 50 to 59    Gender: Male    Marital Status: Married

Premium
Premium is comparable to all other agencies. I choose a $1,000 deductible and my rates are lower than two other major agencies.


Date: April 14, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Policy Offerings
I have not looked into other policy offers from other insurance providers, so I do not know whether there are better or worse offers out there. However, since I have it bundled with other insurance.


Date: April 14, 2019    Age: 40 to 49    Gender: Female    Marital Status: Married

Policy Offerings
I believe they are a little lower but not sure completely. I only know what my friends tell me they pay but we have different size houses, etc and live in different areas.


Date: April 14, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
From all my experiences with USAA's customer service department, they have been excellent. I needed to speak with them one time overseas and I was connected to the nice.


Date: April 14, 2019    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Premium
The price for insurance through USAA is comparable to prices for similar deductibles and options available at other companies.I have proved around out of curiosity.


Date: April 14, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
USAA has been a great insurance company to have. Their rates are extremely competitive and their customer service was helpful in walking us through a claim when needed.


Date: April 14, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Policy Offerings
I don't know what our specific policy is or how exactly it compares to other companies


Date: April 14, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
I receive the same level of coverage. I think that my current policy is more customizable and adapted to meet the needs of military families.


Date: April 13, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
Homeowners insurance policy is pretty standard no real frills. I'm not sure exactly what wouldn't compare with other insurance providers, maybe the military requirements of the policy holder.


Date: April 13, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Premium
USAA offers all of the same coverage's as other companies, however their prices tend to be higher than their competitors. Their customer service makes up for some of the difference.


Date: April 13, 2019    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Premium
The cost of my policy is fairly comparable to the competitor's prices. While I do get a discount for having multiple policies under them, the prices have gone up in the past few years.


Date: April 13, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
The offerings compared to other insurance providers were about the same. My home insurance company gave the same coverage as all the others.


Date: April 13, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
I have had multiple claims with USAA and they have always been extremely helpful. They have walked me thru the process on each occasion and made things very easy to understand.


Date: April 13, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
USAA just offers a better rate. I used to have State Farm insurance and USAA beat their annual rate by $236 and with the USAA policy, my overall coverage was more!


Date: April 13, 2019    Age: 20 to 29    Gender: Male    Marital Status: Married

Policy Offerings
I would give USAA a 4 out of 5. Their offerings match those of competitors in terms of different offerings. However, their price could be better.


Date: April 13, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
I would rate the customer service at USAA as a 5 hands down. I have never had any sort of bad experience with them. They always go the extra mile and anticipate my needs.


Date: April 13, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
i think is very flexible and offers alot of services that other companies offer but with better benefits and also the more you ensure with them the more you save


Date: April 13, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
Premium is pretty good. It could always be lower though. I think it's one of the best on the market. I bundle with my auto insurance for discounts.


Date: April 13, 2019    Age: Above 60    Gender: Male    Marital Status: Unmarried

Policy Offerings
I have priced out with other Home Insurance companies but have found that they either cannot meet their promised price or it changes very soon after service starts


Date: April 13, 2019    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
Our deductible is very low each month. We like that it isn't too much each month. It is very reasonable!


Date: April 13, 2019    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
Our policy is not the cheapest, but also not the most expensive. We chose it because it was affordable and we have a history with the company. It saves for us to bundle with our car insurance.


Date: April 13, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
USAA's in-house customer service is friendly, attentive, and top notch. They listened to my issues without talking over me and produced a great conclusion to the problem I was facing.


Date: April 13, 2019    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
We shopped around for home insurance and found that we pay around 20% less through USAA than through other companies for the same coverage and have way better coverage.


Date: April 13, 2019    Age: 40 to 49    Gender: Female    Marital Status: Married

Policy Offerings
Their offerings are probably better than your average insurance company and we have been pleased with that.


Date: April 13, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Premium
I know that our premium is fairly high, but we also have good coverage so I think that it's about normal.


Date: April 13, 2019    Age: 20 to 29    Gender: Female    Marital Status: Married

Policy Offerings
I have no experience with any other home insurance providers because this is the first home I have owned. Overall I'm satisfied with the one we have.


Date: April 13, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
I really like USAA. They are very kind and knowledgeable.Anytime that I have reached out to their customer service department, they use my name, they resolve my reason for calling.


Date: April 12, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
In the past I had AAA they argued over every claim very frustrating. The staff is much more agreeable to talk with.


Date: April 12, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
The premiums my home insurance company offers to me are better than any other company, which is why I selected them.


Date: April 12, 2019    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Premium
I feel that the deductible and premium of my policy with my insurance company is very similar to other companies, but I prefer USAA because of their customer service.


Date: April 12, 2019    Age: 40 to 49    Gender: Female    Marital Status: Married

Premium
USAA provides several policies based on the customers preferences for either higher premiums and lower deductibles, or lower premiums and higher deductibles.


Date: April 12, 2019    Age: 50 to 59    Gender: Male    Marital Status: Married

Policy Offerings
From my comparision, USAA is hard to beat by other insurance companies when it comes to policy offerings, price points, customer service and overall general quality.


Date: April 12, 2019    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
We have not had to make any claims, but we have had to make adjustments to the policy based on home projects. They were very helpful when it came to updating our policy.


Date: April 12, 2019    Age: 40 to 49    Gender: Female    Marital Status: Married

Customer Service
We had to call our insurance company a few years ago when a military blimp hit our house and damaged the roof and siding. At first they had a hard time believing it until they saw it on the news.


Date: April 12, 2019    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Customer Service
I really love their customer service. Also their website is easy to use and you can do a lot of things you need on there . Everytime I have an issue they solve it right away and go above and beyond.


Date: April 12, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
My experience with my home insurance company's customer service is first-rate, I receive a high level of service at a fraction of the price. I am extremely impressed .


Date: April 12, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Website/App
Everything is easy to find any to pay my premiums for the month. It's easy to navigate and rarely goes down.


Date: April 12, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
Overall I am satisfied with my home insurance. I haven't had to file any claims yet but when I first signed up, the process was pretty easy. I use USAA for car insurance and I've been satisfied.


Date: April 11, 2019    Age: 50 to 59    Gender: Male    Marital Status: Married

Policy Offerings
USAA covers us for all major losses including foundation and water leakage. I do not believe they offer any different coverage than other agencies but as stated above their service and price.


Date: April 11, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
The staff are always very friendly and offer great customer service . They seem to really care about my needs and my family.


Date: April 11, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
I'm not sure that there's really much difference between the offerings of home insurance companies. When choosing ours we looked mainly at price.


Date: April 11, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Premium
I do not know how the premium and deductible compares to other home insurance policies of the same coverage. I have not yet had to use my deductible.


Date: April 11, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
USAA's customer service is quite responsive. I will rate it a 5 because each and every time I call, they do their utmost to assist me in my needs. If the service rep cannot do it.


Date: April 11, 2019    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Policy Offerings
The offerings of my insurance policy includes a value package worth the cost of rebuilding the home, they also have several add-ons including an umbrella package and flood insurance.


Date: April 11, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Policy Offerings
The offers of my company's policy compared to other companies can ensure that my company has some of the best because our customers do not know


Date: April 11, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Policy Offerings
My home insurance policy is competitive with other insurance providers. It is by no means the cheapest, but I have been doing business with USAA for so many years.


Date: April 11, 2019    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Policy Offerings
the way the my home insurance company policy offering compared to other insurance providers is very outstanding with great coverage and the mos lowest price on the market.


Date: April 11, 2019    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Policy Offerings
I'm not really sure what the difference in offerings would be. They were the only company I spoke to.


Date: April 11, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
I like most people would before a lower premium aqnd lower deductible. I wish my monthly was lower. I have a 1000 dollar deductible.


Date: April 11, 2019    Age: 20 to 29    Gender: Female    Marital Status: Married

Policy Offerings
USAA is an exclusive company as you have to be in the military or inherit the membership. That makes it feel like a personal company.


Date: April 11, 2019    Age: 20 to 29    Gender: Female    Marital Status: Married

Policy Offerings
They have many options and suggestion one that was best fit for our area. We were also able to choose and modify the options very easily.


Date: April 11, 2019    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Policy Offerings
The offerings from USAA are comparable with the offerings from other companies. I am very pleased with the price and service I receive.


Date: April 11, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
USAA provides insurance for our home as well and as described above I haven't had any issues with them. They are always friendly and offer callbacks if wait time is very long.


Date: April 11, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
The truth if I am very satisfied with the customer service, they are very attentive there are no complaints at the moment the truth I am extremely very satisfied


Date: April 11, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Policy Offerings
in our company we offer a good offers in changes of our services and without problems some with our clients


Date: April 11, 2019    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Premium
The premium and deductible is very reasonable compared to other insurance providers. Luckily I have not had to use it yet, but their customer service is very responsive in case I needed to.


Date: April 10, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Customer Service
USAA's customer service has been great. During the hurricane last year, they were very helpful with my claim and handled their portion very quickly. They made the process easy for me.


Date: April 10, 2019    Age: 50 to 59    Gender: Male    Marital Status: Married

Premium
I changed the deductible for my insurance from $2000 to $500. I made a claim for a hole in the roof, but they choose a date of a storm that was before change in deductible.


Date: April 10, 2019    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Premium
the premium at USAA are vary seasonable to what i have been seeing at other insurance composes


Date: April 10, 2019    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
We have USAA for home insurance and we love the company. Our favorite part about USAA is their costumer service. They are quick to answer our calls and ALWAYS help us with whatever we need.


Date: April 10, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Premium
The premium and deductible of USAA's home insurance policy is equal to if not better than their competitors. I have had AllState and StateFarm and USAA's is hands down, the better product.


Date: April 10, 2019    Age: 40 to 49    Gender: Female    Marital Status: Married

Premium
I have always had USAA from the start of purchasing our home, so I'm not sure what the deductibles and premiums are for other companies.


Date: April 10, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
I don't know if my deductible and premium with my current company would be considered good or bad. I've never had a claim accepted, so I've never used any of my deductible.


Date: April 10, 2019    Age: 50 to 59    Gender: Male    Marital Status: Married

Policy Offerings
My home insurance companies offerings is likely similar to other companies offerings.The only thing out of the ordinary is that I have some earth quake insurance which is very inexpensive due to my location.


Date: April 10, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
it was totally good minimum amount high profit one of the best insurance company


Date: April 10, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Policy Offerings
our policies are some of the best so far we have not had any customer complaints


Date: April 10, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
The best home insurance companies can help protect your home and wallet if something happens to your property. Find and compare home insurance quotes today


Date: April 10, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Policy Offerings
We've used both renter's insurance as well as home owner's from USAA and we never even compared companies. We do all our business with USAA and have never had a problem.


Date: April 09, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Policy Offerings
I think that USAA is faster to respond and provides more comprehensive coverage. They also never give the feeling they are just in it for the money.


Date: April 09, 2019    Age: Above 60    Gender: Male    Marital Status: Unmarried

Premium
USAA allows you to choice the deductible on the policy with a wide range, which can change the price of the premium significantly, allowing a higher deductible for a lower premium.


Date: April 09, 2019    Age: 50 to 59    Gender: Male    Marital Status: Married

Customer Service
I have been very satisifed with USAA. They have been responsive to my needs and assisted me with any claims or other concerns I have had. I will continue with them.


Date: April 09, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Premium
My premiums went up this past year, mainly (it seems) because the overall property value of the home went up. I argued with the insurance group, that even though I've made no claims.


Date: April 09, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Premium
Compared to the other companies in the area, its a better deal than the others. This is good because all insurance is capitalist garbage.


Date: April 09, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
We are completely satisfied with the amount that our home is insured for and also for the cost of the deductible. We shopped around and it's the best.


Date: April 09, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
I've had a very limited interaction with my home owners insurance company customer service. Overall the customer service has been good, except when I initially signed up for insurance