- Avg. monthly premium
- $108
- Coverage types
- Home, Renters, Condo, Valuables
- Bundling discount
- Up to 10%
- Availability
- 50 states (members)
Why it stands out
USAA highlights
- Replacement-cost coverage built into standard policies
- Covers military uniforms and gear at no extra charge
- Handles home, auto, and banking under one roof
- Consistently high marks for claims satisfaction
The verdict at a glance
Pros and cons
Pros
- Standout coverage extras included by default
- Excellent claims and member service
- Competitive rates for eligible households
Cons
- Only open to military members and their families
- No local branch offices to walk into
Our full review
Our take on USAA
USAA restricts membership to service members, veterans, and their families, and rewards them with coverage that includes perks others charge for. Replacement-cost payouts and coverage for uniforms and war-related damage make it hard to beat for those who qualify.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on USAA’s own site before you apply.
The alternatives
How USAA compares
Other top-rated insurers in Home Insurance. Compare the numbers side by side before you decide.
| # | Provider | Rating | Avg. monthly premium | Best for | |
|---|---|---|---|---|---|
| 1 | Lemonade | $92 | Renters and homeowners who want it digital | Get Quote | |
| 2 | State Farm | $118 | Owners who want an agent down the street | See Rates | |
| 3 | Allstate | $126 | Buyers who stack every discount available | See Rates | |
| 4 | Amica | $134 | Owners who prize claims-handling quality | Get Quote |
- Lemonade4.9Best for Renters and homeowners who want it digital
- State Farm4.7Best for Owners who want an agent down the street
- Allstate4.5Best for Buyers who stack every discount available
- Amica4.4Best for Owners who prize claims-handling quality