*Scores are based on a 2,500-square-foot home, a $250,000 dwelling protection coverage and a $1,000 deductible. These results are based on a standard homeowner profile. Your individual experience differs depending on your location, home value and coverage needs.
USAA Home Insurance Review
Updated: April 22, 2026
Advertising & Editorial Disclosure
USAA
MoneyGeek Rating
4.8/ 5
4.8/5Affordability
5/5Customer Experience
4.7/5Coverage Points
Average Annual Premium
$2,233Number of Endorsements
8Number of Discounts
6
How Much Does USAA’s Homeowners Insurance Cost?
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 depend on your coverage level and deductible choice, but your credit score, square footage and fire risk also play a role. You can identify cheap home insurance options from USAA that match your coverage requirements.
Data filtered by:
$1,000
| $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 |
USAA Homeowners Insurance Cost by State
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. This is a difference of $3,233 annually.
Use the map to 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.
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.
USAA Homeowners Insurance Discounts
Although availability varies by state, USAA offers six discounts to help you save money on home insurance. Speak with an agent to see if discounts apply to your policy.
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%. |
What Does USAA Homeowners Insurance Cover?
USAA includes the six standard home insurance coverages, plus an additional coverage for identity theft.
What Does USAA’s Home Insurance Not Cover?
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.
Certain Natural Disasters
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.
Intentional or Negligent Damage
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.
Wear and Tear or Pest Damage
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.
Optional Home Insurance Coverages from USAA
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. |
How to Buy USAA’s Homeowners Insurance
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.
- 1Determine How Much Coverage You Need
Figure out how much home insurance you need. Find out your home's reconstruction cost and how much your belongings are worth. A detailed home inventory helps you find adequate personal property coverage limits.
- 2Get a Quote Online or Through an Agent
Request a quote by visiting USAA's website and entering your home details, or call an agent.
- 3Compare Policy Options
Evaluate various deductibles and coverage limits to find the right balance between affordability and protection.
- 4Apply for Discounts
To cut expenses, find out if you qualify for discounts on loyalty programs, linked home appliances or bundle savings. Check your eligibility for discounts.
- 5Review and Finalize Your Policy
Before signing, thoroughly review your policy documentation to comprehend the exclusions, deductibles and coverage restrictions.
USAA Home Insurance vs. Other Providers
USAA's monthly premium of $186 is only $7 more than State Farm's, but its perfect 5.00 customer experience score and highest coverage rating (4.75) give it a clear edge that more than justifies the small price difference. Allstate costs $59 more per month than USAA and scores lower in every category, which makes USAA the strongest option for military families who qualify for its membership. Check out the table below for a full breakdown of how each insurer compares on rates and scores.
| Average Monthly Premium | $186 | $179 | $245 |
| Average Annual Premium | $2,234 | $2,151 | $2,942 |
| Overall MG Score | 4.80 | 4.50 | 4.20 |
| Affordability Score | 4.71 | 4.73 | 4.52 |
| Customer Experience Score | 5.00 | 4.31 | 3.88 |
| Coverage Score | 4.75 | 4.04 | 3.69 |
USAA Home Insurance Review: Bottom Line
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, such as replacement cost coverage for possessions without depreciation and Home Protector. Six discounts are available to military families, including savings on connected home devices and loyalty points.
USAA Home Insurance: FAQ
Below are answers to frequently asked questions about USAA home insurance:
How much does USAA homeowners insurance cost?
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.
What discounts does USAA offer on homeowners insurance?
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.
What optional coverages does USAA offer?
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:
- Middle-aged homeowner (41 to 60)
- 2,500-square-foot house
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Good credit
- No claims in the past five or more years
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!
Sources
- USAA. "Homeowners Insurance Coverage." Accessed December 30, 2025.
- USAA. "Homeowners Insurance Discounts." Accessed December 30, 2025.