USAA
USAA Homeowners Insurance
USAA Homeowners Insurance
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Explore Homeowners
What's homeowners insurance?
Homeowners insurance, also called home insurance, helps pay for damage to your home and the things you own when something happens that's covered by your policy. It also provides liability coverage that helps protect your finances if you're held responsible for someone else's injuries or property damage.
Home insurance is for people who own and live in their house. If you're paying a mortgage, your lender likely requires hazard insurance. That's part of a standard homeowners policy. If you own a home but rent it out to tenants, you'll need landlord insurance like USAA Rental Property Insurance.
How much does homeowners insurance cost?
The amount you pay for home insurance depends on many factors. The size and age of your home, its location, and the coverage amounts and deductibles you choose can all affect your premium. You may be able to lower your premium with our homeowners insurance discounts.
What does a homeowners policy cover?
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Theft and Vandalism
Our standard homeowners policy also includes coverage for identity theft.1
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Some Water Damage and Mold
This only includes water damage that's sudden and accidental. Learn more about water damage coverage.
What does homeowners insurance help protect?2
You can tailor a USAA policy to your needs, so you get a balance of coverage and value. Some coverages are standard. Others you can add as needed, like earthquake3 and home sharing coverage.See note4 Learn more about home insurance coverage.
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Dwelling and Other Structures
This includes the house, permanently attached items and other structures like fences, driveways, detached garages and pools.
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Personal Belongings
We'll help pay to repair or replace items,See note5 including electronics, furniture and appliances. Add more protection with Valuable Personal Property insurance.
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Loss of Use
If your home is unlivable after a covered loss, we'll cover your increase in living expenses. This includes the extra cost for a hotel and buying meals.
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Personal Liability
This generally provides coverage if you're responsible for someone's accidental injury or damage to their property.
Home insurance helps protect you, your home and your stuff.
What sets USAA apart?
USAA Homeowners Insurance ranks among the top home insurers for its customer experience. As a USAA member, you'll get quality coverage and exceptional service.
Replacement cost coverage is standard.
This covers your things at today's replacement cost with no depreciation.See note5 That means, once you pay your deductible, if you have a covered claim your policy would pay you enough to buy a new TV, computer or other items if your old ones were stolen or damaged while covered.
Get more protection for more peace of mind.
Add USAA Home Protector coverage to get 25%See note6 more toward rebuilding costs, debris removal and building ordinance or law requirements.
Find flexibility and an easy claims process.
Customize your coverage and adjust your payment due date to fit your needs. Quickly file and track claims online. We can also connect you with a network of trusted contractors for your repairs.
Military members get added benefits.
We'll cover uniforms with no deductible for active-duty members, even when they're deployed. You'll have coverage for military equipment, and we'll waive your deductible if your personal property is damaged or lost due to war.See note7
IN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.
Note 1 The USAA SafePilot® and USAA SafePilot Miles™ programs are optional programs available with USAA Auto Insurance. Member must have an active USAA Auto Insurance policy and enroll in USAA SafePilot or USAA SafePilot Miles to receive discounts and/or mileage based rates. These programs are only available in select states. Program availability and state restrictions apply. Smartphone, data plan and download of the USAA DriveSafe™ App required.
USAA SafePilot and USAA SafePilot Miles: Earned driving discount is offered at renewal and is based on driving behavior of all the rated drivers on the policy. Discount will vary by program selected and may vary by state. Discounts are subject to change over the life of the policy.
USAA SafePilot program: Participation discount expires at first renewal in which the earned driving discount is applied, not to exceed 365 days.
USAA SafePilot Miles program: This program is best for those comfortable with a monthly bill that varies and if you drive less than 8,000 miles per year.
Review the Program Terms and Conditions(Opens in New Window) for more information.Note 2 Savings are off total premium. Not available in all states or in all situations. To qualify for a discount on the property policy, a USAA Auto Insurance policy must be active within 60 days of issuing the property policy. Discounts will apply at renewal for existing property product(s). Discount subject to change. Restrictions apply.
Note 3 Discounts may not be available in all locations and are subject to change, other restrictions may apply.
Note 4 Storage Discount is not available in North Carolina and Virginia. To qualify for the discount, the vehicle must not be driven and must be stored in a secure location. Other restrictions may apply.
Note 5 This is a reduction in your comprehensive coverage premium only, except in California, where this is also a reduction to your collision coverage premium. Not available in New York. Other restrictions apply.
Note 6 Potential average savings based on a countrywide survey conducted March 6, 2025 to April 4, 2025 of new customers who self-reported savings when they switched to USAA Auto Insurance between July 1, 2024 to March 26, 2025. Individual savings may vary and isn't guaranteed.
Note 7 USAA Roadside Assistance™ is part of USAA Towing and Labor coverage and applies to covered vehicles only. USAA Roadside Assistance is provided through Agero Services Corp. NOTE: If you need to use Roadside Assistance for an insured vehicle that does not have USAA Towing and Labor coverage, you will be responsible for all charges and services performed. Roadside Assistance coverage does not cover the cost of repair parts. Additional premium required for towing and labor coverage with Roadside Assistance.
Note 8 Coverage descriptions are brief and subject to the terms and conditions of your insurance policy. Read your insurance policy for details. Applications subject to underwriting.
Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.
USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the "Agency"). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services ("third-party insurance products") on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.
USAA Perks is available to all members of USAA Membership Services and customers with a USAA number. Purchase of a USAA Insurance product is not required.
The USAA Perks program is provided through USAA Alliance Services LLC, a wholly owned subsidiary of USAA. USAA Alliance Services contracts with companies not affiliated with USAA to offer their products and services to members and customers. USAA Alliance Services receives compensation from these companies based on the sale of these products or services. When you purchase a product or service from one of these companies, that company is responsible for protecting your data and its processes and procedures may differ from those of USAA. These companies have sole financial responsibility for their products and services.
Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA S.A. (Europe), and USAA S.A. UK Branch (United Kingdom) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.
Coverages subject to the terms and conditions of the policy.6638213
