If you’re in the military or someone in your family is connected to the military, then you’ve probably heard of USAA or know quite a bit about it. They offer home insurance along with many other services. USAA provides support to military members, veterans, and their families.
This guide explains USAA home insurance in a simple way. Here, you’ll learn what it covers, how much it might cost, who can become a member, and how the claim process works. Overall, you’ll get a good understanding of many important details.
What Does USAA Home Insurance Cover?
USAA gives you strong home insurance. Here’s what they include in most plans.
Home Structure (Dwelling)
If your house is damaged by fire, storms, or other covered events, USAA helps pay for repairs or rebuilding.
Personal Things (Property)
If your furniture, clothes, or electronics are stolen or damaged, USAA helps you replace them.
Injury to Others (Liability)
If someone gets hurt on your property, USAA helps pay for their medical bills or legal costs.
Living Costs if You Must Move Out
If your home is damaged and you can’t live there, USAA helps pay for a hotel or another place to stay.
Identity Theft Help
USAA includes identity theft protection in its home plans. Many other companies charge extra for this.
Full Replacement Value
USAA covers the full cost to replace your damaged items. They don’t lower the amount because of age or wear.
What Is Not Covered?
USAA home insurance does not cover everything. Some events need extra insurance.
- Floods: Not covered. You must buy flood insurance from the government or a private company.
- Earthquakes: Not covered in most places. Ask USAA if you can add it in your state.
- Old or Broken Items: USAA doesn’t pay for things that break from age or wear.
- Damage You Cause on Purpose: USAA will not pay if you damage your home on purpose.
How Much Does USAA Home Insurance Cost?
USAA is often cheaper than other insurance companies. On average, USAA home insurance costs about $1,400 per year. The national average is around $1,750.
What you pay depends on:
- Where you live
- Size and age of your home
- Type of roof
- Safety features
- Your past claims
- Credit score (in most states)
USAA also offers discounts. You may pay less if:
- You bundle your home and auto insurance
- You install alarms or safety systems
- You live on a military base
- You don’t file many claims
Who Can Get USAA Home Insurance?
Not everyone can use USAA. You can only join if:
- You are on active duty in the military
- You are a veteran who was honorably discharged
- You are the spouse or child of a USAA member
If your parents or spouse use USAA, you may also be able to join.
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How to File a Claim with USAA
USAA has a simple way to report damage. You can file a claim any time.
Here’s what to do:
- Report the Damage
Use the USAA app, website, or call. Answer questions and send pictures. - Wait for Review
A claims worker may come to your home. Or they might use your photos to decide. - Get Paid
Once USAA approves your claim, they send money by mail or online.
Most people say USAA pays fast. Some get help in just a few days.
Pros of USAA Home Insurance
Here are the good things about USAA home insurance:
Good Coverage
You get strong protection, even in the basic plan.
Fair Prices
Most people pay less than they would with other companies.
Helpful Service
USAA gets top marks for service. They are easy to reach and quick to respond.
Easy Claims
People say the claims process is fast and smooth.
Cons of USAA Home Insurance
Here are a few things to watch out for:
Not for Everyone
If you are not in the military or from a military family, you cannot join.
No Local Agents
USAA mostly works online or by phone. You can’t meet an agent in person in most areas.
No Flood or Earthquake Coverage Included
You need to buy those separately if you want them.
Should You Choose USAA Home Insurance?
If you are in the military or part of a military family, USAA may be a good choice. They offer strong protection, fast help, and fair prices. But you must qualify.
If you do qualify, get a quote. You may save money and get better coverage than you have now.
How to Get a USAA Quote
Getting a quote is easy. You can do it online or by phone. First, you’ll need to create an account and confirm your military link.
Here’s what you’ll need:
- Address of the home
- When it was built
- Size and type of roof
- Any upgrades
- Security systems
- Any past damage
Once you give the info, you’ll get a price. You can change the deductible and coverage levels to see how it changes the cost.
Tips to Lower Your USAA Home Insurance Bill
Want to save more? Try these:
- Choose a higher deductible
- Install a smoke detector or alarm system
- Bundle with auto insurance
- Avoid filing small claims
- Ask about discounts
These steps can help lower your bill over time.
Final Thoughts
If you qualify for USAA, they offer good home insurance. You’ll get strong coverage, quick service, and fair prices. The claims process is very easy. There are also extra benefits, like identity theft protection and full replacement coverage.
If you’re part of a military family, you should definitely check them out. They might offer the best deal for your home, which could be a better option for you.
FAQs
Can civilians get USAA home insurance?
No. Only military members, veterans, and their families can join.
Does USAA cover flood damage?
No. You must buy flood insurance separately.
How fast does USAA pay for claims?
Many people get paid in just a few days after filing.
Can I bundle auto and home with USAA?
Yes. You can save money by bundling your insurance.
Does USAA offer earthquake insurance?
In some states, yes. Ask them when you get a quote.
