Cheap Homeowners Insurance | Discounts and Savings

Save on your homeowners insurance.

We can help you protect your family, your wallet and your biggest investment with USAA Homeowners Insurance. How much you pay for coverage depends on many factors, including the age, location and size of your home. Other things like interior finishes and solar panels can also impact the cost.

Quality protection shouldn't break the bank. There are a few strategies to find cheap home insurance by getting discounts. Here are just a few ways USAA can help you save.

Bundle Savings^{See note1}

Save up to 10% on your homeowners premium if you have an auto insurance policy with USAA. Learn more about our auto and home combination discount.
Protective Device Credit^{See note2}

Your policy can become more affordable when you have a monitored fire alarm or monitored home security system. We'll take up to 5% off your homeowners premium.
Connected Home Discount^{See note3}

Connected home devices do everything from detecting water leaks and smoke to monitoring security. Save up to 7% on your homeowners premium when you enroll and connect qualifying devices. Learn more about our Connected Home program.
Multi-Product Discount^{See note4}

Consider adding another USAA product. Save up to 5% on your homeowners premium if you have any of the following:
Loyalty Savings^{See note5}

You could save up to 5% on your premium when you have a property policy with USAA for three continuous years.
Claims-Free Discount^{See note6}

USAA Homeowners Insurance policyholders with no claims for five or more years get up to 15% off.

Claiming discounts is easy.

It's possible to claim discounts and save on your homeowners insurance even when you purchase online. Answer a few simple questions to get your homeowners quote, and we'll automatically apply the discounts you qualify for. Get a quote today.

Your deductible can help you save.

There are a couple of ways your deductible can help make homeowners insurance more affordable.

Increase your deductible. The more you can pay out of pocket, the lower your premium. Just make sure you have enough cash set aside to cover your deductible if you need it.

Have military gear and uniforms? We'll waive your deductible if you have a covered loss on active or reserve duty.^{See note7}

Get advice on insuring your home and more.

What doesn't my homeowners insurance cover?

Depending on your circumstances, you may need other types of insurance.

Read article about what doesn't my homeowners insurance cover
9 ways to avoid costly household water leaks

Water damage can cost you thousands of dollars, even for small repairs.

Read article about 9 ways to avoid costly household water leaks

Other coverage you may need

Have more questions?

We're here to help. Call us at 800-531-USAA (8722)that's 800-531-8722.

Investment and Insurance Products are:

Not Insured by the FDIC or Any Federal Government Agency
Not a Deposit or Other Obligation of, or Guaranteed by, the Bank
Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

IN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.

Note 1 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.

Note 2 Discount is calculated on select policy coverages. Restrictions may apply.

Note 3 The 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.

Note 4 Multiple product savings do not apply in all states or to all situations. Savings subject to change. Restrictions apply.

Note 5 Restrictions apply.

Note 6 Discounts may not be available in all locations and are subject to change, other restrictions may apply.

Note 7 No deductible will be applied for a covered loss to your military uniforms or military equipment while you are on active or reserve duty.

Membership eligibility and product restrictions apply and are subject to change.

USAA Federal Savings Bank offers deposit, credit card, consumer lending, mortgage, and other banking products and services. USAA Federal Savings Bank is a Member of FDIC. Credit card, mortgage and other lending products not FDIC-insured.

Life insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products.

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 Limited (UK) and USAA S.A. (Europe) 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.

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Homeowners Insurance Discounts

Quality protection can be affordable.

Save on your homeowners insurance.

Bundle Savings^{See note1}

Protective Device Credit^{See note2}

Connected Home Discount^{See note3}

Multi-Product Discount^{See note4}

Loyalty Savings^{See note5}

Claims-Free Discount^{See note6}

Claiming discounts is easy.

Your deductible can help you save.

Get advice on insuring your home and more.

What doesn't my homeowners insurance cover?

9 ways to avoid costly household water leaks

See how much you can save with USAA Homeowners Insurance.

Other coverage you may need

Have more questions?

Homeowners Insurance Discounts

Quality protection can be affordable.

Save on your homeowners insurance.

Bundle SavingsSee note1

Protective Device CreditSee note2

Connected Home DiscountSee note3

Multi-Product DiscountSee note4

Loyalty SavingsSee note5

Claims-Free DiscountSee note6

Claiming discounts is easy.

Your deductible can help you save.

Get advice on insuring your home and more.

What doesn't my homeowners insurance cover?

9 ways to avoid costly household water leaks

See how much you can save with USAA Homeowners Insurance.

Other coverage you may need

Have more questions?

Bundle Savings^{See note1}

Protective Device Credit^{See note2}

Connected Home Discount^{See note3}

Multi-Product Discount^{See note4}

Loyalty Savings^{See note5}

Claims-Free Discount^{See note6}