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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
USAA home insurance delivers standout service and consistently high customer satisfaction scores. But the company limits coverage to military members, veterans, and their families.
With average rates of $146 per month for $300,000 of dwelling insurance, military-specific coverage, and a perk program, it’s a top pick if you qualify.
We’ll explore USAA home insurance costs, coverage options, customer feedback, and eligibility requirements to help you decide if it’s the right insurer for your home.
Feature  | Result |
|---|---|
| Average monthly premium* | $146 |
| Availability | All 50 states and Washington, DC |
| J.D. Power rating | 737 |
| AM Best financial strength rating | A++ (Superior) |
| NAIC complaint index** | 0.47 |
| Customer service phone number | 1 (800) 531-8722 |
| Customer service email address | N/A |
| Mailing address | 9800 Fredericksburg Road San Antonio, TX 78288 |
*Rate displayed represents $300,000 in dwelling coverage.
**A complaint index rating of 1.00 represents the expected number of complaints for a company of its size. A lower score indicates a fewer-than-average number of complaints.
USAA shines when it comes to customer service and financial stability. What sets USAA home insurance apart is that its policies automatically include replacement cost coverage, while other insurers offer this only as an add-on.
The major limitation is that not everyone can buy a policy. USAA serves only military members, veterans, and their families. This narrow focus means military families get an insurance company that truly understands their lifestyle, from deployment coverage to frequent moves.
Find rates as low as $72 per month.
Insurers weigh factors differently and use their own formulas when calculating your premiums. Your location and the amount of coverage you choose play a huge role in how much you pay. Your home’s age and construction materials can also nudge rates up or down.
For USAA members, the average monthly premium is $146 for $300,000 of dwelling coverage. That baseline gives you a starting point, but your actual rate depends on several key factors.
Let’s look at how different coverage levels affect your premium.
Dwelling coverage is the foundation of your home insurance policy. It’s the amount your insurer will pay if something destroys your house. Higher policy limits cost more because your insurance company takes on greater financial risk.
Here are USAA’s home insurance rates by coverage level, according to our data.
Dwelling Coverage Amount | Average Monthly Premium |
|---|---|
| $200,000 | $112 |
| $300,000 | $146 |
| $400,000 | $175 |
| $500,000 | $206 |
| $750,000 | $278 |
Your ZIP code affects your insurance pricing more than you might expect. Insurers consider local risks when setting rates, like building codes, construction costs, and weather patterns. For instance, a beachfront home in Miami faces hurricane risks that a ranch house in Kansas doesn’t have to worry about. Insurance companies adjust policy pricing accordingly.
Here’s a state-by-state breakdown of USAA’s average rates, based on our data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $254 |
| Arizona | $98 |
| Arkansas | $210 |
| California | $123 |
| Colorado | $195 |
| Connecticut | $100 |
| Delaware | $${HOME_CARRIER_USAA_300K_STATE_DE_PRICE} |
| Florida | $${HOME_CARRIER_USAA_300K_STATE_FL_PRICE} |
| Georgia | $131 |
| Idaho | $142 |
| Illinois | $104 |
| Indiana | $124 |
| Iowa | $132 |
| Kansas | $${HOME_CARRIER_USAA_300K_STATE_KS_PRICE} |
| Kentucky | $${HOME_CARRIER_USAA_300K_STATE_KY_PRICE} |
| Louisiana | $221 |
| Maine | $${HOME_CARRIER_USAA_300K_STATE_ME_PRICE} |
| Maryland | $111 |
| Massachusetts | $108 |
| Michigan | $123 |
| Minnesota | $${HOME_CARRIER_USAA_300K_STATE_MN_PRICE} |
| Mississippi | $130 |
| Missouri | $165 |
| Montana | $157 |
| Nebraska | $70 |
| Nevada | $102 |
| New Hampshire | $85 |
| New Jersey | $109 |
| New Mexico | $${HOME_CARRIER_USAA_300K_STATE_NM_PRICE} |
| New York | $${HOME_CARRIER_USAA_300K_STATE_NY_PRICE} |
| North Carolina | $200 |
| North Dakota | $${HOME_CARRIER_USAA_300K_STATE_ND_PRICE} |
| Ohio | $98 |
| Oklahoma | $185 |
| Oregon | $98 |
| Pennsylvania | $92 |
| Rhode Island | $${HOME_CARRIER_USAA_300K_STATE_RI_PRICE} |
| South Carolina | $163 |
| South Dakota | $167 |
| Tennessee | $127 |
| Texas | $212 |
| Utah | $101 |
| Vermont | $71 |
| Virginia | $${HOME_CARRIER_USAA_300K_STATE_VA_PRICE} |
| Washington | $134 |
| District of Columbia | $80 |
| West Virginia | $83 |
| Wisconsin | $112 |
| Wyoming | $100 |
Shopping for home insurance based on price alone can work out, but sometimes it means sacrificing coverage options or customer service. Digging into what customers and industry professionals say about companies can help you find the right mix of coverage, service, and cost.
Let’s see what USAA customers think about the company.
When you’re choosing a home insurance company, current and former customers give you an unfiltered look into the claims process and customer service. Customer feedback becomes especially helpful when you’re considering switching companies or choosing your first insurance policy.
A few negative reviews mixed with lots of good ones might be isolated problems, but repeated complaints about the same issues — especially with claims — should make you think about potential headaches you could face later.
Here’s how USAA performs across major review platforms.[4] [5] [6]
Review Platform | Rating |
|---|---|
| Trustpilot | 1.2 out of 5 |
| Better Business Bureau (BBB) | 1.15 out of 5 |
| ConsumerAffairs | 2.2 out of 5 |
USAA's customer reviews show that the company has both loyal fans and frustrated critics. Common complaints include unexpected billing after canceling policies, slow claims processing, and problems with recouping costs after major disaster claims. Even loyal customers have left reviews expressing concerns about recent claim problems.
Next, let’s explore what industry experts think about USAA.
Third-party ratings provide a perspective that customer reviews sometimes lack. These companies analyze massive amounts of data, from financial records to customer and claims surveys, creating standardized scores that let you compare insurers fairly.
To make it easier, we pulled together the most recent third-party ratings for USAA so you can see how it compares at a glance.[7]
Rating Service | Rating | Industry Average |
|---|---|---|
| J.D. Power customer satisfaction | 737 | 640 |
| J.D. Power claims satisfaction | 746 | 682 |
| AM Best | A++ (Superior) | N/A |
| NAIC complaint index | 0.47 | 1.00 |
Across the board, USAA shows strong performance — especially with an A++ (Superior) financial strength rating from AM Best. Both J.D. Power scores place USAA above average for customer service. The insurer’s low NAIC complaint index suggests fewer regulatory issues than typical insurers face.
You probably wouldn’t buy the first car you test-drive, and the same logic applies to insurance products. Comparing quotes from multiple home insurance companies could save you hundreds or thousands of dollars each year.
Shopping around can also help you uncover differences in policy options and customer service. You might be happy with your current insurer, but loyalty doesn’t always lead to the best price.
See how USAA’s rates stack up against other major home insurance companies, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $146 |
| Allstate | $188 |
| American Family | $155 |
| Nationwide | $223 |
| State Farm | $226 |
Company | Average Monthly Premium |
|---|---|
| USAA | $206 |
| Allstate | $282 |
| American Family | $223 |
| Nationwide | $339 |
| State Farm | $317 |
Company | Average Monthly Premium |
|---|---|
| USAA | $278 |
| Allstate | $389 |
| American Family | $291 |
| Nationwide | $493 |
| State Farm | $422 |
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USAA offers homeowners several money-saving opportunities to reduce premiums. Some of the discounts USAA offers include:
Bundle savings: Purchase auto and homeowners insurance from USAA to save up to 10%.
Protective device credit: Install monitored fire alarms or home security systems to save up to 5%.
Connected home discount: Install and connect qualifying smart home devices to save up to 8%.
Multi-product discount: Add personal property coverage, umbrella insurance, bank products, or life insurance to save up to 9%.
Loyalty discount: Maintain a home policy with USAA for three years to save up to 5%.
Claims-free discount: Avoid filing home insurance claims for five or more years to save up to 15%.
Every home is different, and your insurance should reflect that. When shopping for coverage, adjust your coverage and protection levels to check rates for different risks your property might face.
USAA offers a range of insurance types and coverage options for homeowners who meet the eligibility requirements. Some of USAA’s coverage options include:
Dwelling coverage: This coverage protects your home’s structure if property damage occurs from things like fire or wind.
Personal belongings: Personal property insurance covers your furniture, clothing, and other items inside your home.
Valuable personal property: Personal property insurance protects high-value items like jewelry and musical instruments with higher coverage limits than standard policies.
Loss of use: This coverage pays for temporary housing and living expenses if damage to your home forces you to move out.
Personal liability insurance: Covers legal costs if someone injures themselves on your property or you accidentally damage their belongings.
Replacement cost coverage: Standard on USAA policies, this covers belongings at today’s replacement cost without accounting for age or wear. Most insurers charge extra for this coverage.
Home Protector coverage: This coverage provides additional funds for rebuilding costs and code upgrades, offering an extra financial cushion during major repairs.
Mobile home insurance: USAA offers specialized coverage for manufactured homes. Few other insurers offer this coverage.
Flood insurance: Flood coverage is available through the National Flood Insurance Program (NFIP) or private insurers. Standard home insurance policies exclude flood damage.
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Getting USAA home insurance is straightforward once you confirm your eligibility. You can start the process online by visiting USAA's website. Your personalized quote accounts for your location, home details, and coverage preferences.
If you’d rather talk to a real person, call 1 (800) 531-8722. You’ll connect with someone who understands military life and can help you determine what coverage makes sense for things like deployments or moving between bases.
You can also consider adding USAA car insurance when getting a home insurance quote. You might find it easier to manage both policies in one place, plus you’ll save money with bundling discounts.
Compare quotes and save money on the coverage you need for your home.
Military families considering USAA often have questions about eligibility, pricing, and value. Here are answers to some of the most common concerns about USAA home insurance.
It depends. The right company for you depends on your location, budget, and coverage needs. If you meet USAA’s military member eligibility requirements, the company knows military life and has excellent customer satisfaction scores.
USAA home insurance averages around $146 per month for $300,000 of dwelling coverage, according to Compare.com data. But your actual rate depends on where you live and how much coverage you need.
It depends. USAA offers competitive home insurance rates, but it may not be the cheapest option for your coverage needs. USAA also offers coverage only to military members, veterans, and their families, so you should make sure you’re eligible before checking prices.
It depends. Your location is usually one of the biggest factors in your home insurance rates. Homes in areas prone to hurricanes, wildfires, or other natural disasters typically cost more to insure.
It depends. Home insurance rates vary by where you live and the coverage you choose. But USAA often offers competitive rates and specialized military benefits that State Farm doesn’t provide.
Military members, veterans, and federal agency employees qualify for USAA home insurance. Spouses, widows, and children of USAA members are also eligible.
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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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