Carrier review
USAA Home Insurance
Top-rated homeowners coverage for the military community, including replacement cost on belongings.
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Quick answer
Illustrative homeowners coverage with USAA is about $1,680 per year for a typical home. USAA holds an A++ financial-strength rating and is best for military members, veterans, and their families.
Why homeowners choose USAA
- Replacement-cost contents
- Top service scores
- Military benefits
USAA at a glance
- Financial strength — A++ (illustrative, general rating)
- Best for — Military members, veterans, and their families.
- Availability — nearly every U.S. state
- Illustrative annual premium — $1,680/yr
Estimated rates for illustration only — not a quote.
How USAA compares
No single insurer is cheapest for every home. Compare USAA against other top carriers and run our home insurance calculator before you decide.
You can also compare costs by state or compare rates.
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USAA home insurance FAQs
How much does USAA home insurance cost?
Illustrative homeowners coverage with USAA is around $1,680 per year (about $140/mo) for a typical single-family home. Your actual rate depends on your home’s rebuild cost, location, roof, and claims history. Compare quotes for a real price.
Is USAA a good home insurance company?
USAA carries an A++ financial-strength rating and is best for military members, veterans, and their families. Whether it is right for you depends on your home and priorities, so compare it against other carriers.
Where does USAA offer home insurance?
USAA generally writes homeowners coverage in nearly every U.S. state. Availability can vary by ZIP code and home type, so confirm coverage for your address.
How do I switch to USAA?
Get a quote, choose a start date that aligns with your current policy’s renewal, and avoid a coverage gap. If you have a mortgage, notify your lender so escrow reflects the new policy.
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