USAA features comprehensive home coverage and superior customer service at industry-leading rates, but membership with USAA is limited.
Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.
USAA is in a class of its own, offering great coverage and industry-leading customer service at some of the most competitive rates in the industry. As a USAA member, you can trim those rates even more by using USAA for your other financial protection needs, like car and life insurance, banking, investments, retirement funds, mortgages, and more.
High customer service and claims ratings with J.D. Power. Whether you need to file a claim or simply have a question about your policy, there isn't a company better suited to give you a helping hand than USAA. USAA earned the highest ratings with J.D. Power in both its 2021 homeowners insurance study and its property claims study.
Industry-leading financial ratings. USAA is one of the most financially stable insurance companies out there, holding down top-notch ratings with both Standard and Poors and Moody's, and an A++ rating with leading insurance company credit rating agency A.M. Best (the top rating a company can receive).
Several discounts to choose from. The average USAA homeowners insurance premium is a little higher than the average quoted policy with Policygenius, but USAA has a number of options for keeping your rates down, such as multi-policy discounts, automatic devices discounts, good payment history discounts, and more.