Reviews report

• USAA is a top choice for eligible military members and families, combining very strong financial strength with consistently high customer satisfaction indicators in recent independent studies (J.D. Power; AM Best FSR definitions)
• Coverage eligibility is limited to U.S. military members, veterans, and eligible family members (see USAA)
• Identity theft expense coverage is not a universal free benefit on every homeowners policy; it is typically an optional add-on to property policies with limits commonly around $25,000, while many USAA Visa cardholders can access ID Navigator Powered by NortonLifeLock as a monitoring/restoration benefit (not insurance) at no additional cost (USAA renters; Visa ID Navigator; independent review)
• Homeowners coverage is comprehensive; discount availability for home policies varies by state and is generally narrower than for auto. Bundling with USAA auto and installing qualifying protective devices are common ways to save; mitigation-linked incentives are expanding market-wide

USAA is widely regarded as a leading option for homeowners insurance among eligible households. It typically performs among the highest for customer satisfaction in the latest J.D. Power U.S. Home Insurance Study (USAA is not rank-eligible due to restricted membership) and its insurance carriers hold top-tier financial strength ratings, including AM Best’s A++ (Superior) for the USAA property & casualty intercompany pool with a stable outlook (see AM Best rating definitions and USAA for current ratings context). Eligibility is limited to the military community and eligible family members.

For many eligible members, USAA combines strong claims-paying resources with reliable coverage and competitive rates. In our review we benchmarked USAA’s homeowners offering against major competitors on coverage, discounts, third-party satisfaction, complaint patterns, and financial strength using current sources such as J.D. Power, the NAIC Consumer Insurance Search, and the NAIC market share report for homeowners insurance.

USAA is available in all 50 states and Washington, D.C., and is known for strong service and claims support. Pricing reflects home-specific risk factors (construction, age, roof, location, claims history) plus market conditions like catastrophe losses, inflation in repair costs, and reinsurance. These forces have driven broad premium increases and availability shifts across the market in 2024–2025, particularly in wildfire-, wind-, and hail‑exposed areas (Insurance Information Institute; Swiss Re Institute). USAA policies generally cover common perils and can be tailored with endorsements where available.

Although we consider USAA to be one of the best homeowners insurance companies, it remains rank‑ineligible in J.D. Power studies because membership is restricted. If you are an active or former service member (or eligible family) and value service, financial strength, and integrated banking/insurance, USAA is worth a close look.

USAA was founded in 1922 by a group of Army officers and today serves the military community nationwide. In the latest official “Homeowners Multiple Peril” market share data from the NAIC (2023 direct premiums written, published 2024), USAA ranks as the fourth‑largest U.S. homeowners insurer with roughly 6.4%–6.6% share, behind State Farm, Allstate, and Liberty Mutual (third largest home insurance company — latest report shows USAA is 4th); see also the Insurance Information Institute’s summary table confirming USAA at #4 (III) and S&P Global’s analysis (S&P Global Market Intelligence).

Methodology

We evaluated USAA using current third-party indicators of customer satisfaction, financial stability, coverage features, and complaint patterns to form our USAA Homeowners Insurance Review. For competitive context we used:

• Customer Ratings: We referenced the latest J.D. Power U.S. Home Insurance Study for satisfaction insights; USAA is not rank‑eligible due to membership restrictions.
• Coverage: We assessed core protections (dwelling, personal property, loss of use, liability) and optional endorsements, including identity theft expense coverage as an add-on rather than a universal free benefit.
• Confidence: Financial strength was evaluated using agency ratings; USAA’s P&C pool holds AM Best’s A++ (Superior) with a stable outlook (see AM Best definitions and USAA for current context).
• Customer Experience: We checked the NAIC Consumer Insurance Search to review the latest posted complaint index by underwriting company and line of business; an index below 1.0 indicates fewer complaints than expected for the company’s market share.

The Competition 

*Information reflects NAIC 2023 homeowners market share (released 2024) and current ratings/studies as of 2025. For complaint indices, consult the latest year posted in the NAIC Consumer Insurance Search.

USAA vs. Geico

USAA typically earns among the highest customer satisfaction indicators in the latest home insurance studies but is non–rank-eligible due to restricted membership. GEICO, a mass‑market direct writer, competes primarily on price and digital convenience and uses third-party insurers for most homeowners policies. USAA underwrites homeowners through its own P&C companies and focuses on the military community. Both offer multi-policy savings when bundling auto and home, are available nationwide, and provide broad coverage, though discount depth for homeowners is generally limited versus auto (J.D. Power 2025; NAIC CIS).

Key similarities: national availability, bundling options, and digital self-service. Key differences: USAA eligibility is limited to military members and family; GEICO has no eligibility restrictions. GEICO emphasizes price and marketing scale; USAA emphasizes service for members and strong financial strength.

USAA vs. Progressive

J.D. Power’s latest U.S. Home Insurance Study shows USAA again among the highest for satisfaction but not rank‑eligible. Progressive’s homeowners results vary by region and distribution partners (it frequently uses affiliates/partners for property underwriting), while USAA underwrites its own. Progressive generally advertises a broader set of discounts across personal lines than USAA, but home-specific discounts at either brand vary by state. Both operate nationally.

USAA and Progressive both appear in our best homeowners insurance companies list and write in all 50 states and Washington, D.C. Compare quotes and check state-specific discounts and endorsements, as availability and pricing vary widely. For complaint patterns, consult the NAIC CIS.

The Bottom Line

For eligible military households, USAA offers strong financial backing, broad homeowners protections, and high customer satisfaction indicators. Availability is nationwide, and members can often achieve competitive pricing—especially when bundling with USAA auto. Keep in mind that market conditions in 2024–2025 (reinsurance costs, severe weather losses, inflation in rebuild costs) continue to influence premiums and underwriting across the industry, with growing emphasis on mitigation standards like IBHS FORTIFIED and wildfire hardening (IBHS; Triple‑I).

Identity theft reimbursement is typically an optional endorsement rather than an automatic free benefit on USAA homeowners policies; verify limits, terms, and price during your quote (USAA renters; Forbes Advisor). Overall, USAA remains a well-rounded, service‑focused insurer backed by superior financial strength.

USAA Homeowners Insurance FAQ

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