Home insurance
USAA home insurance
Home coverage with replacement-cost features and membership restrictions.
Product details and conditions
Personal property
USAA describes repairing or replacing belongings after a covered event, up to policy limits. Review replacement requirements and deductibles in the contract.
Home insurance — official product terms ↓Liability
Homeowners liability coverage may help with covered injury or property-damage liability and associated legal costs.
Home insurance — official product terms ↓Flood
The coverage guide says most standard homeowners policies exclude floods. Review separate flood protection for the property.
Home insurance — official product terms ↓Eligibility
USAA property insurance is restricted to eligible property-and-casualty members. Confirm eligibility separately from general membership.
USAA membership and property-insurance disclosures ↓Before you choose
- Is this policy available for my address, vehicle or property?
- Which legal insurer issues my policy and handles claims?
- What limits, deductibles, exclusions and optional coverages appear in my written quote?
- What is the total premium with and without each discount?
Provider sources
- Home insurance — official product terms ↗
Checked 2026-09-24
- USAA membership and property-insurance disclosures ↗
Checked 2026-09-24