{"id":324133,"date":"2025-11-07T22:26:59","date_gmt":"2025-11-08T03:26:59","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=268250"},"modified":"2025-11-07T22:26:59","modified_gmt":"2025-11-08T03:26:59","slug":"usaa-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/usaa-review\/","title":{"rendered":"USAA Homeowners Insurance Review"},"content":{"rendered":"\n\n\n<h2 class=\"wp-block-heading\">Reviews report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\"><li>USAA is a top choice for eligible military members and families, combining very strong financial strength with consistently high customer satisfaction indicators in recent independent studies (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">J.D. Power<\/a>; <a href=\"https:\/\/www.ambest.com\/ratings\/guide.pdf\">AM Best FSR definitions<\/a>)<\/li><li>Coverage eligibility is limited to U.S. military members, veterans, and eligible family members (see <a href=\"https:\/\/www.usaa.com\/about\">USAA<\/a>)<\/li><li>Identity theft expense coverage is not a universal free benefit on every homeowners policy; it is typically an optional add-on to property policies with limits commonly around $25,000, while many USAA Visa cardholders can access ID Navigator Powered by NortonLifeLock as a monitoring\/restoration benefit (not insurance) at no additional cost (<a href=\"https:\/\/www.usaa.com\">USAA renters<\/a>; <a href=\"https:\/\/usa.visa.com\">Visa ID Navigator<\/a>; <a href=\"https:\/\/www.forbes.com\/advisor\/homeowners-insurance\/usaa-renters-insurance-review\/\">independent review<\/a>)<\/li><li>Homeowners coverage is comprehensive; discount availability for home policies varies by state and is generally narrower than for auto. Bundling with USAA auto and installing qualifying protective devices are common ways to save; mitigation-linked incentives are expanding market-wide<\/li><\/ul>\n\n\n\n<p>USAA is widely regarded as a leading option for homeowners insurance among eligible households. It typically performs among the highest for customer satisfaction in the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">J.D. Power U.S. Home Insurance Study<\/a> (USAA is not rank-eligible due to restricted membership) and its insurance carriers hold top-tier financial strength ratings, including AM Best\u2019s A++ (Superior) for the USAA property &amp; casualty intercompany pool with a stable outlook (see <a href=\"https:\/\/www.ambest.com\/ratings\/guide.pdf\">AM Best rating definitions<\/a> and <a href=\"https:\/\/www.usaa.com\/about\">USAA<\/a> for current ratings context). Eligibility is limited to the military community and eligible family members.<\/p>\n\n\n\n<p>For many eligible members, USAA combines strong claims-paying resources with reliable coverage and competitive rates. In our review we benchmarked USAA\u2019s homeowners offering against major competitors on coverage, discounts, third-party satisfaction, complaint patterns, and financial strength using current sources such as <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">J.D. Power<\/a>, the <a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Insurance Search<\/a>, and the NAIC market share report for homeowners insurance.<\/p>\n\n\n\n<p>USAA is available in all 50 states and Washington, D.C., and is known for strong service and claims support. Pricing reflects home-specific risk factors (construction, age, roof, location, claims history) plus market conditions like catastrophe losses, inflation in repair costs, and reinsurance. These forces have driven broad premium increases and availability shifts across the market in 2024\u20132025, particularly in wildfire-, wind-, and hail\u2011exposed areas (<a href=\"https:\/\/www.iii.org\/issue-update\/homeowners-insurance\">Insurance Information Institute<\/a>; <a href=\"https:\/\/www.swissre.com\">Swiss Re Institute<\/a>). USAA policies generally cover common perils and can be tailored with endorsements where available.<\/p>\n\n\n\n<p>Although we consider USAA to be one of the <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\">best homeowners insurance companies<\/a>, it remains rank\u2011ineligible in J.D. Power studies because membership is restricted. If you are an active or former service member (or eligible family) and value service, financial strength, and integrated banking\/insurance, USAA is worth a close look.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Overview\"><\/span>\n    \n\n\n<section id=\"block_5f8dbcb6509ab\" class=\"block b-stats-overview\">\n    <h2 class=\"b-stats-overview-title\">USAA Overview<\/h2>\n    <div class=\"b-stats-overview-grid\">\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                In business since:\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">1922<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                J.D. Power status:\n                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">Not rank-eligible; among highest satisfaction (2025)<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\"tooltip b-stats-overview-grid-item-title\">\n                AM Best Financial Strength Rating:\n                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">A++<\/span>\n        <\/div>\n                <div class=\"b-stats-overview-grid-item\">\n            <div class=\" b-stats-overview-grid-item-title\">\n                States served:\n                            <\/div>\n\n            <span class=\"b-stats-overview-grid-item-value\">50 states and Washington D.C.<\/span>\n        <\/div>\n            <\/div>\n<\/section>\n\n\n\n<p>USAA was founded in 1922 by a group of Army officers and today serves the military community nationwide. In the latest official \u201cHomeowners Multiple Peril\u201d market share data from the NAIC (2023 direct premiums written, published 2024), USAA ranks as the fourth\u2011largest U.S. homeowners insurer with roughly 6.4%\u20136.6% share, behind State Farm, Allstate, and Liberty Mutual (<a href=\"https:\/\/content.naic.org\">third largest home insurance company<\/a> \u2014 latest report shows USAA is 4th); see also the Insurance Information Institute\u2019s summary table confirming USAA at #4 (<a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-homeowners-and-renters-insurance\">III<\/a>) and S&amp;P Global\u2019s analysis (<a href=\"https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/latest-news-headlines\/state-farm-extends-lead-as-largest-us-homeowners-insurer-in-2023\">S&amp;P Global Market Intelligence<\/a>).<\/p>\n\n\n\n<section id=\"block_5f8dbd08509b0\" class=\"block b-pro-cons\">\n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> PROS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--pros\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Great customer service<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Recent J.D. Power research indicates USAA customers report among the highest satisfaction levels in the U.S. Home Insurance Study, though USAA is not rank-eligible due to restricted membership (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">2025 study<\/a>).<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Affordable rates<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">USAA is often price-competitive for eligible members; actual premiums depend on factors like home characteristics, location, claim history, and broader market conditions such as catastrophe losses and reinsurance costs (see <a href=\"https:\/\/www.iii.org\/issue-update\/homeowners-insurance\">Triple-I<\/a>).<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Comprehensive coverage<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Standard policies typically include dwelling, other structures, personal property, loss of use, and liability, with optional endorsements where available (e.g., higher limits, specialty coverages).<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Bundling<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">USAA markets savings for members who bundle homeowners and auto; actual discount varies by state and eligibility.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Strong financial strength<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">USAA\u2019s P&amp;C carriers hold AM Best\u2019s A++ (Superior) financial strength rating with a stable outlook (see <a href=\"https:\/\/www.ambest.com\/ratings\/guide.pdf\">FSR definitions<\/a> and <a href=\"https:\/\/www.usaa.com\/about\">USAA<\/a>).<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    \n            \n<div class=\"b-pro-cons__wrapper\">\n    <h4 class=\"b-pro-cons__title b-pro-cons__title--important\"> CONS<\/h4>\n    <ul class=\"b-pro-cons__list b-pro-cons__list--cons\">\n                                <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Exclusive<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">USAA only sells home insurance to eligible military members, veterans, and their families.<\/span>\n                            <\/li>\n                                        <li class=\"b-pro-cons__list-item b-pro-cons__list-item-expandable\">\n                <span class=\"b-pro-cons__list-item-title\">Limited home-specific discounts<\/span>\n\n                                    <span class=\"b-pro-cons__list-item-desc\">Compared with auto, homeowners discounts tend to be fewer; savings usually come from bundling, claim-free history, protective devices, or mitigation incentives where available.<\/span>\n                            <\/li>\n                <\/ul>\n<\/div>\n    <\/section>\n\n\n                \n<section id=\"block_5f8dc22a509b8\" class=\"block b-highlights-tabs\">\n    <h2 class=\"b-highlights-tabs__title\">USAA Highlights<\/h2>\n    \n    <div class=\"b-highlights-tabs__tabs-list\">\n        <div class=\"b-highlights-tabs__tabs-list-nav\">\n                            <div class='b-highlights-tabs__tabs-list-nav-item active' data-index=\"1\"> Pricing <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"2\"> Coverage <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"3\"> Customer Experience <\/div>\n                            <div class='b-highlights-tabs__tabs-list-nav-item ' data-index=\"4\"> Deals, Discounts, and Add-ons  <\/div>\n                    <\/div>\n\n        <div class=\"swiper-container\">\n            <div class=\"swiper-wrapper\">\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Pricing\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">USAA rates are often competitive for eligible members, but your premium depends on factors like location, home characteristics, claim history, and coverage limits. Market forces also matter. Since 2024, reinsurance costs, catastrophe losses, and inflation in labor\/materials have pressured homeowners premiums across many states, with carriers tightening underwriting in high-risk areas (wildfire, wind, hail). California\u2019s Sustainable Insurance Strategy is permitting modern catastrophe modeling and recognition of reinsurance costs to improve availability, while mitigation programs are expanding (<\/span><a href=\"https:\/\/www.insurance.ca.gov\/0500-about-us\/03-commish\/major-initiatives\/Sustainable-Insurance-Strategy.cfm\"><span style=\"font-weight: 400;\">California DOI strategy<\/span><\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/www.iii.org\/issue-update\/homeowners-insurance\"><span style=\"font-weight: 400;\">Triple-I update<\/span><\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/www.swissre.com\"><span style=\"font-weight: 400;\">Swiss Re outlook<\/span><\/a><span style=\"font-weight: 400;\">). Flood pricing has also shifted under FEMA\u2019s Risk Rating 2.0, aligning cost more closely to property-specific flood risk, which can influence total protection costs (<\/span><a href=\"https:\/\/www.fema.gov\/flood-insurance\/work-with-nfip\/risk-rating\"><span style=\"font-weight: 400;\">FEMA Risk Rating 2.0<\/span><\/a><span style=\"font-weight: 400;\">). Consider <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/how-much-home-insurance-do-i-need\/\"><span style=\"font-weight: 400;\">how much home insurance you need<\/span><\/a><span style=\"font-weight: 400;\"> and whether endorsements are appropriate for your risk profile.<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Coverage\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">USAA homeowners policies generally cover fire, theft, vandalism, many weather-related events, and personal liability. Standard features include dwelling coverage (repair\/rebuild costs after a covered loss), personal property, additional living expenses (loss of use), and liability, plus coverage for other structures like garages and fences. Identity theft expense coverage is typically offered as an optional endorsement on property policies (commonly around $25,000 in limits), not a universal free benefit (<\/span><a href=\"https:\/\/www.usaa.com\"><span style=\"font-weight: 400;\">USAA renters page<\/span><\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/www.forbes.com\/advisor\/homeowners-insurance\/usaa-renters-insurance-review\/\"><span style=\"font-weight: 400;\">independent review<\/span><\/a><span style=\"font-weight: 400;\">). Evaluate rebuild costs, personal property replacement needs, and liability limits that match your assets (<\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/estimate-homeowners-insurance-cost\/\"><span style=\"font-weight: 400;\">estimate costs<\/span><\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-is-personal-liability\/\"><span style=\"font-weight: 400;\">personal liability basics<\/span><\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Customer Experience\">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">USAA is well known for service quality. It performs among the highest in recent <\/span><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">J.D. Power home insurance studies<\/span><\/a><span style=\"font-weight: 400;\"> but is not rank-eligible due to eligibility limits. To check verified complaint patterns, use the <\/span><a href=\"https:\/\/eapps.naic.org\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">National Association of Insurance Commissioners<\/span><\/a><span style=\"font-weight: 400;\"> Consumer Insurance Search, which reports each underwriting company\u2019s complaint index by line of business (index &lt;1.0 indicates fewer complaints than expected for its market share).<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                                                        <div class=\"swiper-slide b-highlights-tabs__slide\">\n                        <div class=\"b-highlights-tabs__slide-content\" data-title=\"Deals, Discounts, and Add-ons \">\n                            \n                                                            <div class=\"b-highlights-tabs__slide-content-alt-description\">\n                                    <p><span style=\"font-weight: 400;\">USAA offers a handful of homeowners discounts in qualifying states, typically including bundle savings (when you also purchase USAA auto), claim-free discounts, and protective device credits (e.g., monitored security). Home discounts are generally more limited than auto. Market-wide, mitigation incentives tied to resilient construction (e.g., IBHS FORTIFIED Roof or wildfire hardening) are expanding and may be available in some states via carriers and public programs (<\/span><a href=\"https:\/\/ibhs.org\/fortified\/\"><span style=\"font-weight: 400;\">IBHS FORTIFIED<\/span><\/a><span style=\"font-weight: 400;\">). For auto, USAA\u2019s SafePilot telematics program advertises up to 30% potential savings for safe driving, but availability varies (<\/span><a href=\"https:\/\/www.usaa.com\/insurance\/auto-insurance\/safepilot\"><span style=\"font-weight: 400;\">USAA SafePilot<\/span><\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/www.usaa.com\/insurance\/auto-insurance\/discounts-and-savings\"><span style=\"font-weight: 400;\">USAA discounts &amp; savings<\/span><\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n                                <\/div>\n                                                    <\/div>\n                    <\/div>\n                            <\/div>\n\n            <div class=\"swiper-navigation-wrapper-refresh\">\n                <div class=\"swiper-button-prev\"><\/div>\n                <div class=\"swiper-pagination\"><\/div>\n                <div class=\"swiper-button-next\"><\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated USAA using current third-party indicators of customer satisfaction, financial stability, coverage features, and complaint patterns to form our USAA Homeowners Insurance Review. For competitive context we used:<\/p>\n\n\n\n<ul><li><strong>Customer Ratings:<\/strong> We referenced the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">J.D. Power U.S. Home Insurance Study<\/a> for satisfaction insights; USAA is not rank\u2011eligible due to membership restrictions.<\/li><li><strong>Coverage:<\/strong> We assessed core protections (dwelling, personal property, loss of use, liability) and optional endorsements, including identity theft expense coverage as an add-on rather than a universal free benefit.<\/li><li><strong>Confidence:<\/strong> Financial strength was evaluated using agency ratings; USAA\u2019s P&amp;C pool holds AM Best\u2019s A++ (Superior) with a stable outlook (see <a href=\"https:\/\/www.ambest.com\/ratings\/guide.pdf\">AM Best definitions<\/a> and <a href=\"https:\/\/www.usaa.com\/about\">USAA<\/a> for current context).<\/li><li><strong>Customer Experience:<\/strong> We checked the <a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Insurance Search<\/a> to review the latest posted complaint index by underwriting company and line of business; an index below 1.0 indicates fewer complaints than expected for the company\u2019s market share.<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"Competition\" title=\"The Competition\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Competition\u00a0<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Reviews.com Score<\/strong><\/td><td><strong>AM Best Financial Strength Rating<\/strong><\/td><td><strong>J.D. Power (latest)<\/strong><\/td><td><strong>NAIC Customer Complaints<\/strong><\/td><\/tr><tr><td>USAA<\/td><td>4<\/td><td>A++<\/td><td>Not rank-eligible; among highest satisfaction (2025)<\/td><td>See latest NAIC CIS complaint index (latest posted year)<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/geico-review\/\">Geico<\/a><\/td><td>2.75<\/td><td>A++<\/td><td>Results vary by region\/channel; see 2025 J.D. Power study<\/td><td>See latest NAIC CIS complaint index (latest posted year)<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/progressive-review\/\">Progressive<\/a><\/td><td>3.75<\/td><td>A+<\/td><td>Results vary by region\/channel; see 2025 J.D. Power study<\/td><td>See latest NAIC CIS complaint index (latest posted year)<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\">Allstate<\/a><\/td><td>4<\/td><td>A+<\/td><td>Results vary by region\/channel; see 2025 J.D. Power study<\/td><td>See latest NAIC CIS complaint index (latest posted year)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Information reflects NAIC 2023 homeowners market share (released 2024) and current ratings\/studies as of 2025. For complaint indices, consult the latest year posted in the <a href=\"https:\/\/eapps.naic.org\">NAIC Consumer Insurance Search<\/a>.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">USAA vs. Geico<\/h2>\n\n\n\n<p>USAA typically earns among the highest customer satisfaction indicators in the <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\">latest home insurance studies<\/a> but is non\u2013rank-eligible due to restricted membership. GEICO, a mass\u2011market direct writer, competes primarily on price and digital convenience and uses third-party insurers for most homeowners policies. USAA underwrites homeowners through its own P&amp;C companies and focuses on the military community. Both offer multi-policy savings when bundling auto and home, are available nationwide, and provide broad coverage, though discount depth for homeowners is generally limited versus auto (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\">J.D. Power 2025<\/a>; <a href=\"https:\/\/eapps.naic.org\">NAIC CIS<\/a>).<\/p>\n\n\n\n<p>Key similarities: national availability, bundling options, and digital self-service. Key differences: USAA eligibility is limited to military members and family; GEICO has no eligibility restrictions. GEICO emphasizes price and marketing scale; USAA emphasizes service for members and strong financial strength.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">USAA vs. Progressive<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-home-insurance-study\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">J.D. Power\u2019s latest U.S. Home Insurance Study<\/a> shows USAA again among the highest for satisfaction but not rank\u2011eligible. Progressive\u2019s homeowners results vary by region and distribution partners (it frequently uses affiliates\/partners for property underwriting), while USAA underwrites its own. Progressive generally advertises a broader set of discounts across personal lines than USAA, but home-specific discounts at either brand vary by state. Both operate nationally.<\/p>\n\n\n\n<p>USAA and Progressive both appear in our <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\">best homeowners insurance companies<\/a> list and write in all 50 states and Washington, D.C. Compare quotes and check state-specific discounts and endorsements, as availability and pricing vary widely. For complaint patterns, consult the <a href=\"https:\/\/eapps.naic.org\">NAIC CIS<\/a>.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"bottom\" title=\"The Bottom Line\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Bottom Line<\/h2>\n\n\n\n<p>For eligible military households, USAA offers strong financial backing, broad homeowners protections, and high customer satisfaction indicators. Availability is nationwide, and members can often achieve competitive pricing\u2014especially when bundling with USAA auto. Keep in mind that market conditions in 2024\u20132025 (reinsurance costs, severe weather losses, inflation in rebuild costs) continue to influence premiums and underwriting across the industry, with growing emphasis on mitigation standards like IBHS FORTIFIED and wildfire hardening (<a href=\"https:\/\/ibhs.org\/fortified\/\">IBHS<\/a>; <a href=\"https:\/\/www.iii.org\/issue-update\/homeowners-insurance\">Triple\u2011I<\/a>).<\/p>\n\n\n\n<p>Identity theft reimbursement is typically an optional endorsement rather than an automatic free benefit on USAA homeowners policies; verify limits, terms, and price during your quote (<a href=\"https:\/\/www.usaa.com\">USAA renters<\/a>; <a href=\"https:\/\/www.forbes.com\/advisor\/homeowners-insurance\/usaa-renters-insurance-review\/\">Forbes Advisor<\/a>). Overall, USAA remains a well-rounded, service\u2011focused insurer backed by superior financial strength. <\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"questions\" title=\"FAQ\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">USAA Homeowners Insurance FAQ<\/h2>\n\n\n<div id=\"block_f503c52599097\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What other property insurance does USAA offer?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">USAA offers homeowners, condo, renters, landlord (rental property), and specialty property coverages, as well as auto, life, and more. Members can often save when bundling homeowners with USAA auto, though actual savings vary by state and eligibility (<\/span><a href=\"https:\/\/www.usaa.com\/about\"><span style=\"font-weight: 400;\">USAA<\/span><\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5e84cf4919e33\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much home insurance do I need?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">A common question is how much coverage to buy. Aim for limits that reflect the full cost to rebuild your home and replace your belongings, plus liability limits aligned to your assets. Needs vary by location, construction, and risk tolerance. See our guide to <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/faq\/\"><span style=\"font-weight: 400;\">frequently asked homeowners questions<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/how-much-home-insurance-do-i-need\/\"><span style=\"font-weight: 400;\">how much home insurance you need<\/span><\/a><span style=\"font-weight: 400;\"> for details.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_4dcf759f077b9\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Where is USAA home insurance coverage available? <\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">USAA is available in all 50 states <\/span><span style=\"font-weight: 400;\">and Washington D.C.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_4392f514fdace\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How does USAA underwrite its home insurance policies?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>USAA underwrites its home insurance policies through its own P&amp;C insurance companies.<\/p>\n<p>&nbsp;<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_4a16075601276\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What does USAA\u2019s homeowners insurance typically cover? <\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Typical USAA homeowners policies cover the dwelling, other structures, personal property, additional living expenses (loss of use), and personal liability for covered losses like fire, theft, vandalism, and many weather-related events. Identity theft expense coverage is generally available as an optional add-on (commonly around $25,000 in limits) rather than an automatic free benefit. Coverage, limits, and availability vary by state\u2014review your quote and policy for specifics (<\/span><a href=\"https:\/\/www.usaa.com\"><span style=\"font-weight: 400;\">USAA renters<\/span><\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/www.forbes.com\/advisor\/homeowners-insurance\/usaa-renters-insurance-review\/\"><span style=\"font-weight: 400;\">Forbes Advisor<\/span><\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n","protected":false},"excerpt":{"rendered":"<p>Reviews report USAA is a top choice for eligible military members and families, combining very strong financial strength with consistently high customer satisfaction indicators in recent independent studies (J.D. Power; AM Best FSR definitions) Coverage eligibility is limited to U.S. military members, veterans, and eligible family members (see USAA) Identity theft expense coverage is not [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":355660,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh-spr.php","meta":[],"categories":[1268,1263],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>USAA Homeowners Insurance Review | Reviews.com<\/title>\n<meta name=\"description\" content=\"USAA boasts high customer satisfaction, top-notch financial strength, and policies that are specifically tailored for military members.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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