Looking to get a home insurance quote from USAA? Learn about its average annual rates, ways to save, and more. Get peace of mind today!
USAA offers insurance products to American service men and women and their families. If you fit that particular demographic, USAA is an appealing choice for home insurance. But how do its home insurance rates stack up when compared to its competitors? We’ve done the research, looked at rates across the country, and now, we’re here to give you an idea as to what you can expect when choosing USAA.
Of course, home insurance rates are specific to your house and its location. The information here should help you make a decision on whether USAA home insurance might be a good choice, but to get an exact quote, you should call an agent to get a quote.
USAA will insure you in all 50 states and Washington, D.C. (as long as you’re in the military or an immediate family member of someone who is). We compared rates from 20 states with varying coverage amounts ranging from $100,000 to $500,000. Here’s a sample of the cheapest and most expensive states for USAA home insurance at a $150,000 limit.
As you can see, South Carolina came in super cheap just $553 per year, or about $46 per month. Kentucky was also very affordable at $605. On the flip side, Louisiana, Kansas, and Oklahoma got much more expensive quotes more than double the SC rate. This could be because these states are prone to natural disasters such as tornadoes and hurricanes, and more risk of damage leads to higher rates.
The most revealing thing about this sample is that to get an additional $100,000 in coverage in some states, you’ll only pay a couple hundred more dollars per year. For disaster-prone states like Kansas, Louisiana, and Texas, the extra coverage may be well worth the relatively small additional cost.
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