Explore Homeowners

What's homeowners insurance?

Homeowners insurance, also called home insurance, helps pay for damage to your home and the things you own when something happens that's covered by your policy. It also provides liability coverage that helps protect your finances if you're held responsible for someone else's injuries or property damage.

Home insurance is for people who own and live in their house. If you're paying a mortgage, your lender likely requires hazard insurance. That's part of a standard homeowners policy. If you own a home but rent it out to tenants, you'll need landlord insurance like USAA Rental Property Insurance.

How much does homeowners insurance cost?

The amount you pay for home insurance depends on many factors. The size and age of your home, its location, and the coverage amounts and deductibles you choose can all affect your premium. You may be able to lower your premium with our homeowners insurance discounts.

What does a homeowners policy cover?

  • Most Weather-Related Damage

    You'll have to buy a separate policy if you need flood insurance.

  • Theft and Vandalism

    Our standard homeowners policy also includes coverage for identity theft.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.

  • Some Water Damage and Mold

    This only includes water damage that's sudden and accidental. Learn more about water damage coverage.

What does homeowners insurance help protect?Coverage descriptions are brief and subject to the terms and conditions of your insurance policy. Read your insurance policy for details. Applications subject to underwriting.

You can tailor a USAA policy to your needs, so you get a balance of coverage and value. Some coverages are standard. Others you can add as needed, like earthquakeFor the state of Washington, earthquake insurance is available through USAA Insurance Agency. and home sharing coverage.See noteCoverage and availability restrictions apply and are subject to change. Not available in all states. Learn more about home insurance coverage.

  • Dwelling and Other Structures

    This includes the house, permanently attached items and other structures like fences, driveways, detached garages and pools.

  • Personal Belongings

    We'll help pay to repair or replace items,See noteWith replacement cost coverage, at our option, subject to policy limits and policy deductible, if you actually replace the property we will pay you the lesser of our cost to restore, repair or replace the damaged property or the amount you actually spent to restore, repair or replace the property. Coverage applies to damage or loss due to events listed in your policy. including electronics, furniture and appliances. Add more protection with Valuable Personal Property insurance.

  • Loss of Use

    If your home is unlivable after a covered loss, we'll cover your increase in living expenses. This includes the extra cost for a hotel and buying meals.

  • Personal Liability

    This generally provides coverage if you're responsible for someone's accidental injury or damage to their property.

Home insurance helps protect you, your home and your stuff.

Get a homeowners quote

What sets USAA apart?

USAA Homeowners Insurance ranks among the top home insurers for its customer experience. As a USAA member, you'll get quality coverage and exceptional service.

Replacement cost coverage is standard.

This covers your things at today's replacement cost with no depreciation.See noteWith replacement cost coverage, at our option, subject to policy limits and policy deductible, if you actually replace the property we will pay you the lesser of our cost to restore, repair or replace the damaged property or the amount you actually spent to restore, repair or replace the property. Coverage applies to damage or loss due to events listed in your policy. That means, once you pay your deductible, if you have a covered claim your policy would pay you enough to buy a new TV, computer or other items if your old ones were stolen or damaged while covered.

Get more protection for more peace of mind.

Add USAA Home Protector coverage to get 25%See noteAdditional 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. more toward rebuilding costs, debris removal and building ordinance or law requirements.

Find flexibility and an easy claims process.

Customize your coverage and adjust your payment due date to fit your needs. Quickly file and track claims online. We can also connect you with a network of trusted contractors for your repairs.

Military members get added benefits.

We'll cover uniforms with no deductible for active-duty members, even when they're deployed. You'll have coverage for military equipment, and we'll waive your deductible if your personal property is damaged or lost due to war.See noteNo deductible will be applied for a covered loss to your military uniforms or military equipment while you are on active or reserve duty.

What kinds of savings are available?

There are lots of ways you could lower your home insurance premium, from being a loyal memberDiscounts may not be available in all locations and are subject to change, other restrictions may apply. to having multiple USAA products.See noteMultiple product savings do not apply in all states or to all situations. Savings subject to change. Restrictions apply. See how you can save with our homeowners discounts.

Bundle and Save

Save up to 10% on your premiums when you bundle homeowners and auto insurance.See noteSavings 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.

Connected Home Discount

Install smart devices that detect water leaks, smoke and more to get a discount through the USAA Connected Home program.See noteThe 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. Savings may vary. This program is only available in select states. Program availability and state restrictions apply. In most states, we don't apply the Connected Home discount and the Protective Device Credit at the same time. If you're eligible for both, we'll apply the Connected Home discount since it's the larger of the two.

Protected Home Discount

Save up to 5% on your premium if you have a monitored fire alarm or monitored home security system.See noteDiscount is calculated on select policy coverages. Restrictions may apply. In most states, we don't apply the Protective Device Credit and the Connected Home discount at the same time. If you're eligible for both, we'll apply the Connected Home discount since it's the larger of the two.

Claims-Free Discount

Save up to 15% after five years without a claim.Discounts may not be available in all locations and are subject to change, other restrictions may apply.

Perks for homeowners

For the past five years, USAA members have saved up to $276 million when they shopped everything from travel and fitness to home solutions, car care and more.See noteSavings figures are based on information collected by Alliance Services Company, LLC and are based on purchases of discounted goods and services during the calendar years of 2020-2024. Due to the nature of individual member program usage, actual savings might differ from the estimated figures. Here are some ways the USAA Perks® program can help you save around your home.

  • PODS® Moving & Storage

    Save 10% on your move, plus 15% off monthly storage rental fees.See noteFor local moves, offer includes 15% off initial local delivery and 15% off recurring monthly storage. For moves between two different PODS company-owned and/or franchisee territories, offer includes 15% off both initial delivery and the cost of long-distance transportation, and 15% off recurring monthly storage. Discounts do not apply to extended delivery areas. Available for a limited time only at participating locations. Offer void where prohibited by law. Please call or visit our website for service locations. Must mention promotional code at time of order. Cannot be combined with any other offer.

    Learn more about PODS

  • Save with SimpliSafe®

    Protect your home and save over $400 on the USAA Whole Home Kit with SimpliSafe®.See noteSee noteSee noteSave more than $400 on a dedicated USAA Whole Home Kit that includes one (1) Water Sensor, one (1) Base Station, one (1) Keypad, four (4) Entry Sensors, one (1) Motion Sensor, one (1) Keyfob, one (1) Wireless Siren, one (1) Outdoor camera, one (1) Outdoor Camera Power Cable, one (1) Smart Alarm Wireless Indoor Camera, one (1) Smoke and CO Detector, one (1) Home Security Yard Sign and two (2) Window Decals. Not valid with any other offers. SimpliSafe Terms of Sale and all other applicable SimpliSafe Terms and Conditions apply.

    Learn more about SimpliSafeOpens in a New Window

  • Contractor Connection

    Find a skilled contractor to help with home repairs. See noteThe Home Improvement Network is provided by the Crawford Contractor Connection. USAA is offering the Home Improvement Network as a service to members and is not responsible for the actions of the Crawford Contractor Connection or the work of the contractors.

    Learn more about Contractor Connection Opens in a New Window

What do I need to get a quote?

You'll need to have some details about the home you're insuring, such as square footage, year it was built, foundation and roof type, what the outside is made of and types of finishes, like counters and flooring. For your convenience, some details about your home's characteristics might be prefilled using publicly available data.

Get a homeowners quote

More protection where you need it most

Home insurance is a good first step when it comes to protecting yourself, your family and your property. These other policies add more coverage and are worth the cost for many people. They help fill in coverage gaps and provide extra protection.

Flood Insurance

Most standard homeowners policies don't cover floods. You may want to consider a flood policy, even if you don't live in a flood-prone area.

Learn about flood insurance

Umbrella Insurance

A personal umbrella insurance policy can pick up where your homeowners liability coverage leaves off and help you pay for the remainder of a claim that exceeds its limits.

VPP Insurance

Our Valuable Personal Property, or VPP, policy provides more protection for items like jewelry, smartwatches, guns, cameras, musical instruments and more without a deductible.

Homeowners insurance FAQ

More information on homeowners insurance

IN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.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.In Florida, for policies including coverage for Windstorm and Hail, USAA offers premium credits for structures built with hurricane mitigation construction techniques. The amount of credit is subject to information submitted via the Uniform Mitigation Verification Inspection Form. Use this link to find more information on Premium Discounts for Hurricane Loss Mitigation. https://floir.com/property-casualty/premium-discounts-for-hurricane-loss-mitigationOregon properties: USAA does not consider wildfire mitigation actions for underwriting purposes. USAA does consider wildfire mitigation actions for premium credits under rate plans for Homeowners policies only. To be eligible for a wildfire premium mitigation discount, the home must be located in an active Firewise community. For more information on FireWise Community visit firewise.org. The discount will be removed at the following renewal if the community does not maintain the FireWise Community certification.The National Flood Insurance Program is not underwritten by United Services Automobile Association (USAA) or its affiliates based in San Antonio, Texas, and is provided by USAA General Indemnity Company (USAA-GIC), through an arrangement with the Federal Emergency Management Agency. The Federal government has financial responsibility for underwriting losses. The National Flood Insurance Program USAA-GIC is not available in Guam, U.S. Virgin Islands, Puerto Rico or overseas.

The typical homeowners or rental property insurance policy doesn't include flood coverage, and in some locations, you may also need to obtain a wind-only insurance policy. Flood insurance can be purchased separately through the National Flood Insurance Program. The maximum limits of coverage available on the federal flood policy for residences are $250,000 on the building and $100,000 on contents. If you need additional flood insurance coverage beyond these amounts, you can contact USAA Insurance Agency which works with other insurance companies that provide excess flood coverage. Private flood coverage is not affiliated with the National Flood Insurance Program.USAA Perks is available to all members of USAA Membership Services and customers with a USAA number. Purchase of a USAA Insurance product is not required.The USAA Perks program is provided through USAA Alliance Services LLC, a wholly owned subsidiary of USAA. USAA Alliance Services contracts with companies not affiliated with USAA to offer their products and services to members and customers. USAA Alliance Services receives compensation from these companies based on the sale of these products or services. When you purchase a product or service from one of these companies, that company is responsible for protecting your data and its processes and procedures may differ from those of USAA. These companies have sole financial responsibility for their products and services.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.5852060