LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Home insurance review

USAA Home Insurance Review (2026)

USAA earned 4.7 / 5 in our 2026 review. Best for: military families, top-rated coverage and service. Here is the full breakdown.

By the Fintiex Insurance Desk · Updated 2026-05-02
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Key stats
Annual premium
$1,200 to $1,600
AM Best
A++
JD Power
884 / 1000
Bundling discount
Up to 10%
States available
All 50 states
Flood coverage
Separate policy
Digital experience
Excellent
Fintiex rating
4.7 / 5
Pros
  • +Highest JD Power customer satisfaction score in the industry
  • +Military uniform covered at no extra cost during deployment
  • +Identity theft protection included at no charge
  • +Replacement cost coverage for personal property standard
  • +No deductible for military equipment losses in combat zones
  • +Extremely competitive premiums for eligible members
Cons
  • -Eligibility limited to military members, veterans, and their families
  • -No local agent network for in-person service
  • -Flood coverage requires separate NFIP or private policy

Coverage available

DwellingOther structuresPersonal propertyLoss of useLiabilityMedical paymentsMilitary uniform coverage

USAA includes the six standard parts of a home policy. Flood and earthquake coverage are excluded by default, which is industry standard. Add them as separate policies if you are in a high-risk zone.

Best for

USAA is the right pick if you prioritize military families, top-rated coverage and service. It earns top marks for financial strength and digital experience. If you do not match this profile, compare against the other top picks on our home insurance hub.

Overview

USAA carries an AM Best financial strength rating of A++, which matters more in home insurance than almost any other line. When a hurricane, wildfire, or hail storm hits a region, claims can spike fast. A well-capitalized carrier pays them. A weak one can struggle. The carrier writes policies in All 50 states and is best known for military families, top-rated coverage and service.

Premiums for a typical $300K single-family home, $250K dwelling, and a $1,000 deductible run $1,200 to $1,600 per year with USAA. That puts the carrier around the middle of the home insurance market. Of course, premium varies sharply by ZIP code, home age, roof condition, claims history, and credit.

On customer satisfaction, USAA scored 884 on the latest JD Power US Home Insurance Study. That puts it well above the industry average. The digital experience is rated excellent.

How to get a USAA quote

Getting a quote from USAA takes about 10 to 15 minutes online. You will need your home address, year built, square footage, roof type and age, and an estimate of the dwelling replacement cost. Most carriers also ask about prior claims in the last 5 years and your current insurance status.

  • Visit the USAA home insurance page
  • Enter your address, home details, and coverage info
  • Pick coverage limits (set dwelling to replacement cost, not market value)
  • Review the quote and apply bundling and other discounts
  • Bind the policy online or speak to an agent
Start a USAA quote

Frequently asked questions

Is USAA home insurance worth it?
USAA earned 4.7 out of 5 in our 2026 review. It carries an AM Best rating of A++ and a JD Power home insurance satisfaction score of 884 out of 1,000. Best for: military families, top-rated coverage and service.
How much does USAA home insurance cost?
Average premiums range from $1,200 to $1,600 per year for a typical $300K single-family home with $250K dwelling coverage and a $1,000 deductible. Your rate depends on home age, construction, claims history, ZIP code, and credit.
Does USAA cover floods and earthquakes?
Standard USAA policies exclude flood and earthquake damage, which matches industry standard. You will need a separate flood policy through NFIP or a private insurer. Earthquake coverage is available as a separate endorsement in most states.
What does a standard USAA home policy cover?
Standard coverage includes: Dwelling, Other structures, Personal property, Loss of use, Liability, Medical payments, Military uniform coverage. Most policies include personal property at 50 to 70 percent of dwelling coverage and liability at $100K to $500K.
Will I save by bundling USAA home with auto?
Yes. Bundling can save you about 10 percent on both policies with USAA. Always run the numbers against two standalone quotes to confirm the bundle wins.
Is USAA available in my state?
USAA writes home policies in all 50 states.

Ready to get a USAA home quote?

Takes about 10 minutes. No commitment to bind.

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