Updated: October 29, 2025
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Average Annual Premium
Number of Endorsements
Number of Discounts
With a 5 out of 5 score, USAA tops national customer experience rankings.
USAA charges an average of $2,233 per year for $250,000 in dwelling coverage and places sixth in affordability.
USAA offers eight endorsements, such as the USAA Wildfire Response program and specific military coverage.
Out of 14 providers, USAA is the best homeowners insurance provider, ranking first based on a score balancing affordability, customer service and coverage. It exclusively serves military members, veterans and their families.
The table below shows USAA's MoneyGeek score out of 5 for each category and its corresponding national rank using a sample homeowner profile.
| Overall | 4.84 | 1 |
| Affordability | 4.77 | 6 |
| Customer Experience | 5.00 | 1 |
| Coverage | 4.75 | 4 |
*Scores are based on a 2,500-square-foot home, $250,000 dwelling coverage and a $1,000 deductible.
The average cost of home insurance from USAA is $2,233 per year for $250,000 in dwelling coverage, but rates can reach up to $6,144 annually for $1 million in dwelling coverage.
Home insurance costs largely depend on your coverage level and deductible choice, but your credit score, square footage and fire risk also play a role. Toggle through the table below to identify cheap home insurance options from USAA that match your coverage requirements.
| $100K Dwelling / $50K Personal Property / $100K Liability | $105 | $1,257 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $186 | $2,233 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $300 | $3,602 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $407 | $4,881 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $512 | $6,144 |
Due to local building costs, natural disaster risks, and state laws, USAA's home insurance premiums vary depending on where you live. For instance, the average cost of $250,000 in housing coverage in Oklahoma is $4,656 annually, while in Wisconsin, the average cost is $1,423 — a difference of $3,233 annually.
See where USAA's homeowners insurance is offered and how much it costs in your state for a policy with $250,000 in dwelling coverage and a $1,000 deductible by looking at the map below.
Note: Data above is for states in which MoneyGeek was able to collect data. It is not reflective of the company's availability in the state.
Although availability varies by state, USAA offers six discounts to help you save money on homes insurance. To find out whether discounts apply to your policy, speak with an agent.
Bundle Savings | Save up to 10% on your homeowners premium when you pair it with a USAA auto insurance policy. |
Protective Device Credit | Installing a monitored fire alarm or monitored home security system reduces your homeowners premium by up to 5%. |
Connected Home Discount | Enrolling qualifying connected home devices that detect water leaks, smoke or security threats saves you up to 8% on your premium. |
Multi-Product Discount | Combine valuable personal property insurance, umbrella insurance, a bank product and life insurance products with USAA to save up to 9% on your homeowners premium. |
Loyalty Discount | Maintaining a property policy with USAA for three continuous years earns you up to 5% off your premium. |
Claims-Free Discount | Going five or more years without filing a claim reduces your premium by up to 15%. |
USAA's home insurance includes the six standard home insurance coverages, plus an additional coverage on identity theft.
When covered risks like fire, windstorms or hail damage your house, dwelling coverage covers the cost of repairs or rebuilding the structure.
Detached buildings on your land, such as garages, sheds, fences and gazebos, are covered under other structures. Any structure that is not affixed to your primary residence is covered.
Personal property coverage pays for items such as clothing, appliances, gadgets and furniture that are lost or stolen during events covered by the policy.
When someone is hurt on your property or you inadvertently cause damage to someone else's property, personal liability coverage protects you financially. This coverage covers settlements and legal defense expenses up to the policy limitations.
This coverage reimburses medical bills for guests injured on your property, even if you're not legally responsible. It covers immediate medical expenses to avoid larger liability claims.
When a covered loss renders your home uninhabitable, loss of use coverage covers additional living expenses, including as lodging, food, and storage fees. Until your house is habitable again or you hit your insurance maximum, coverage keeps on.
USAA's standard policy includes up to $5,000 of identity theft coverage, which helps pay for services you need to recover your identity after theft. This coverage handles costs like credit monitoring, legal fees and document replacement without requiring additional endorsements.
USAA offers eight endorsements to expand your coverage beyond standard protections, though availability varies by state. An endorsement is additional coverage you can add to your base policy for extra protection against specific risks.
The table below details each optional coverage USAA provides.
Home Sharing Coverage | This increases coverage limits for personal liability and belongings when you share, exchange or rent your home short-term through platforms like Airbnb. |
Replacement Cost Coverage for Your Things | Your belongings and some building materials are covered at current value with no depreciation, meaning USAA pays repair costs or replaces items with new ones valued up to your policy limits. |
Special Coverage for Military | Active-duty and active reserve members avoid paying deductibles on covered losses for personally owned military gear and clothing, including uniforms, insignia, flight cases, headsets and body armor. |
Protection Against Wildfires | The USAA Wildfire Response program sends certified firefighters to help prevent losses when wildfires threaten your home if you live in a covered state with an eligible dwelling type. This automatically applies at no extra cost if you live in a qualifying state and have an eligible property. |
Home Protector | This coverage adds 25% more toward your dwelling and other structures coverage limits when a covered loss exceeds your limit due to increased building costs. |
Water Backup | This covers damage from water or sewage that backs up through plumbing from outside your home, plus water overflowing from a sump pump or sump well designed to drain your foundation. |
Earthquake | This protects your home and belongings from damage caused by earthquakes, shock waves or tremors. |
Personal Injury | This coverage defends you against accusations of libel, slander, defamation of character or other harmful actions that damage someone's reputation. |
USAA's standard home insurance excludes damage from floods, earthquakes (unless you add coverage), intentional acts, maintenance issues and gradual deterioration. Additional coverage or separate policies address these gaps.
Floods and earthquakes need standalone policies or endorsements because standard homeowners insurance excludes these events. USAA offers earthquake coverage as an optional endorsement, but flood insurance requires a separate policy through the National Flood Insurance Program.
Damage you cause deliberately or damage resulting from neglect and poor maintenance isn't covered. Your policy won't pay for issues you could have prevented through regular upkeep.
Normal deterioration from age, routine use or lack of maintenance doesn't qualify for coverage. This includes aging roofs, worn-out appliances and gradual foundation settling.
USAA offers two ways to buy home insurance: complete the process online or connect with an agent for personalized assistance. Eligibility is limited to active military members, veterans and their families.
Figure out how much home insurance you need by assessing your home's reconstruction cost and your belongings' total value. A detailed home inventory ensures you select sufficient personal property coverage limits.
Request a quote by visiting USAA's website and entering your home details, or call an agent who can provide personalized quotes. You'll need information about your home's age, square footage, construction type and desired coverage levels.
Evaluate various deductibles and coverage limits to find the right balance between affordability and protection. Assess whether adding optional coverages like Home Protector or personal injury protection fits your needs and budget.
To cut expenses, find out if you qualify for discounts on loyalty programs, linked home appliances or bundle savings. Check your eligibility for discounts depending on your years without claims, security systems and current USAA rules.
Before signing, thoroughly review your policy documentation to comprehend the exclusions, deductibles and coverage restrictions. To activate your coverage, finalize the transaction after confirming your billing settings and the effective date.
USAA accepts home insurance claims through its online platform or through an agent who can help you start the process. The company walks you through each step from filing to receiving your settlement.
Notify USAA as soon as damage occurs by submitting a claim online or speaking with an agent. Share information about the loss, including the date, cause and extent of damage, to receive your claim reference number.
Photograph and record video of all damage from multiple angles to provide visual evidence. Compile an inventory of damaged belongings with descriptions, approximate purchase dates and current values.
A USAA adjuster will contact you to schedule an inspection of the damaged property. The adjuster assesses the damage in person or virtually and determines what repairs or replacements your policy covers
You'll receive a settlement offer detailing covered repair costs minus your deductible. After accepting the offer, hire contractors to complete repairs and USAA processes payment based on your coverage limits and deductible.
USAA earned a 4.84 out of 5 MoneyGeek score and ranks first nationally among homeowners insurance providers. Based on MoneyGeek's sample profile, USAA charges an average of $2,233 per year for dwelling coverage of $250,000.
USAA also provides additional coverages for those who want to expand their protection, such as replacement cost coverage for possessions without depreciation and Home Protector. To save, six discounts are available to military families, including savings on connected home devices and loyalty points.
Below are answers to frequently asked questions about USAA home insurance:
USAA charges an average of $2,233 annually for $250,000 in dwelling coverage based on a middle-aged homeowner with good credit and no recent claims. Your actual cost depends on your coverage limits, deductible, location, home age and personal risk factors.
The company offers six ways to save, with the claims-free discount providing up to 15% off for policyholders without claims for five or more years. Additional discounts include bundle savings, connected home devices, protective devices, loyalty rewards and multi-product combinations.
USAA offers eight optional coverages, including water backup, earthquake protection, Home Protector and personal injury coverage. Military members can add special coverage for uniforms and gear, plus USAA provides automatic enrollment in the Wildfire Response program for eligible properties.
We used the following base profile to determine rates for USAA homeowners insurance and judge its affordability:
Our ratings system for USAA consisted of the following scoring mechanisms:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
