Policy documents
To find your homeowners declarations page:
- Go to My Documents.
- Select “Insurance.”
- Select your most recent homeowners policy.
Go to your Homeowners Account Summary page. Select “Get proof of insurance.”
Coverage
These are some of the losses your homeowners insurance policy helps cover. See note 1
- Theft
- Fire and smoke
- Power surge and lightning
- Wind and hail
- Vandalism
- Injuries
- Loss of use
Learn more about using homeowners insurance. Find what you need to know to file a claim.
It helps protect you if you’re responsible for someone’s injuries or property damage — even if away from home.
It may also cover legal costs if someone sues you. Review your coverage.
Your liability coverage should equal the value of your net worth, or the total of your assets minus liabilities.
If your net worth is higher than the maximum coverage allowed, consider purchasing umbrella insurance.
You can remove your mortgage company from your policy by going to your Homeowners Account Summary page and selecting “Update Mortgage.”
If you’d been paying your homeowners insurance through your escrow account, you’ll now receive that bill directly from USAA.
Your coverage may be limited if your property is unoccupied or vacant.
If your home is unoccupied or vacant, please contact USAA to discuss your situation.
If you decide to rent your property out on a regular and recurring basis, you’ll need to change your policy to a landlord insurance policy. Call us to get a quote for your new policy.
If you have another active USAA primary property policy, you can cancel your homeowners insurance on usaa.com from your Homeowners Account Summary page.
Learn more about how to cancel your homeowners policy.
Discounts and savings
There are many ways to potentially reduce your premium. We have savings for bundling policies, having a home security system and being claims free for five years or more.
You may also increase your deductibles to reduce your premium. Be sure to set aside enough in your emergency fund to cover your deductibles.
You can also take the following steps to help prevent losses:
- Lock all doors and windows and use a security system when away from the home.
- Trim trees so they don’t grow over the roof.
- Turn off your water when leaving home for an extended period of time.
Learn more about seasonal home maintenance.
You can save up to 10% when you bundle with your USAA Auto Insurance.
If the item goes faster than 15 mph by design or modification and it’s designed for use on public roads, it won’t be covered by your USAA Homeowners policy.
We’ve teamed up with Markel® through the USAA Insurance Agency to offer more protection for your e-bike.
Markel will insure an e-bike with power up to 28 mph as well as liability coverage. Learn more about e-bike coverage.