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USAA | Homeowners Insurance

USAA Homeowners Insurance
4.8
Protect your home with reliable coverage, flexible options, and support when you need it most.

Average Premium

  • $300k dwelling coverage $1243 / year
  • $750k dwelling coverage $2421 / year

Coverage States

Rates by Dwelling Limit

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Dwelling Limit USAA National Average
$150K dwelling $800 $1,459
$300K dwelling $1,243 $2,424
$350K dwelling $1,374 $2,740
$450K dwelling $1,642 $3,374
$750K dwelling $2,421 $5,254

Pros & Cons

Pros
  • A++ (Superior) financial strength rating by AM Best
  • Replacement cost coverage included at no extra charge
  • Historically low average premiums
Cons
  • Not every homeowner is eligible for USAA
  • Support is available for limited hours
  • Might have fewer discounts compared to other insurers
Renter Insurance
Also From USAA Renters Insurance Protect your belongings and liability with affordable, flexible coverage built for tenants.
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Discounts

  • Protective device credit: Homeowners who install a monitored fire alarm or security system may qualify for up to a 5% discount.
  • Connected home discount: Eligible devices that detect leaks, fires, or burglaries can result in up to a 7% reduction in premiums.
  • Loyalty savings: Maintaining continuous homeowners coverage with USAA for three years may earn a 5% discount.

Details

  • Customer service: 1-210-531-8722
  • Website: usaa.com
  • Mailing address: 9800 Fredericksburg Road, San Antonio, TX 78288.

Ultimate Home Resources

More Insurance Options

  • Renters Insurance
  • Home Warranty

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