We're here to help when life changes.

We understand things change. Your financial security is important to us, and we want to make sure you're protected. Before you cancel your policy, consider our other coverage options and ways to save.

Other ways to stay protected

When your needs change, your policy can, too. Instead of canceling your homeowners insurance, another option may be updating or changing it. We offer a range of products and coverages for any place you call home.

  • Renting out your home

    If your main or secondary home becomes a rental property, temporarily or long term, you may still want it to be insured. We offer rental property insurance, also known as landlord insurance. It provides the coverage you'll need and access to discounts on tenant screening.

    Learn about landlord insurance

  • Selling your current home and buying a new one

    Keeping active homeowners insurance on your current home is important during the closing process. It means you'll still have protection. When you purchase your new home, you'll need a policy for your new address that starts on the day you take ownership.

    Learn about homeowners insurance

  • Selling your home to move in with someone else

    If you're moving in with a spouse or significant other or just moving into a home you don't own, canceling your homeowners policy makes sense. If you're not legally married, you still may want to protect your stuff, even if it's in storage. We can easily help you make the switch to USAA Renters Insurance.

    Learn about renters insurance

  • Paying off your mortgage

    Congratulations! This is a big deal. When your home is paid off, you're no longer contractually obligated to have homeowners insurance. But that doesn't mean it's time to cancel. Keeping your homeowners policy means your home and belongings can be protected by a covered loss.

    View your policy summary

Things to consider before you cancel

  • We're among the top home insurers.

    USAA Homeowners Insurance ranks among the top home insurers for its customer experience. As a member, you're getting quality coverage and service. Our insurance specialists are here to make sure you have the coverage that best fits your needs.

  • Our standard policy isn't so standard.

    Our standard policy includes Home Protector coverage. It provides an additional 25%Additional 25% coverage applies to your dwelling only, not its contents. To qualify for this coverage, dwelling must be insured for a minimum of 95% of estimated rebuild cost. Certain restrictions apply. of coverage if a covered loss exceeds your dwelling coverage limit because of increased building costs, code changes or material shortages. If you're an active-duty member, you won't pay a deductible for lost uniforms.No deductible will be applied for a covered loss to your military uniforms or military equipment while you are on active or reserve duty. We even include identity theft protection.Your homeowner's policy automatically includes up to $5,000 of identity theft coverage. ID theft coverage not available in North Carolina. Read your policy for details.

  • Better rates might not mean better coverage.

    Lower rates could cost you more in the long run. Make sure you're comparing the same coverage levels and types of coverage.

Ways to lower your premium

We get it — saving money is important. When the cost to rebuild your home increases, your premium usually will, too. Going to another insurance company may not lower your premium if you want the same level of coverage. There are ways to save on your premium while keeping your home insured by USAA.

  • Increase your deductible.

    Increasing your deductible will likely lower your premium. But it's important to keep budget in mind. Make sure you have enough in the bank to cover the deductible in case you have to make a claim.

  • Take advantage of discounts.

    Bundling homeowners and auto insurance can save you up to 10% on your premiums.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. If you have multiple USAA policies, you may be able to save even more.Multiple product savings do not apply in all states or to all situations. Savings subject to change. Restrictions apply. We also offer a Connected Home discountThe United Services Automobile Association (USAA) Connected Home program is optional. Must have an active USAA Homeowners Insurance Policy and agree to share data from connected home devices to receive discount. Smartphone, eligible connected home devices, and download of the applicable vendor's app also required. This program is only available in select states. Program availability and state restrictions apply. when you keep your home safe with eligible safety devices.

Still need to cancel your homeowners policy?

If canceling your policy is what's best for you right now, we understand. When you have another active primary property policy with us, you can cancel your homeowners policy online. Otherwise, to cancel, call 800-531-USAA (8722).

Homeowners cancellation FAQ

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.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.6588325