Homeowners Insurance

Help Protect the Place You Call Home

What Does Homeowners Insurance Cover?

If something happens to your home, we'll help take care of it as quickly as possible so you can get your life back on track. Our homeowners insurance covers you for:

Fire
Theft
Vandalism

Most weather-related events
Liability
Identity theft^{See note1}

What Sets USAA Apart

Replacement Cost Coverage

Cover your home and personal belongings at today's value, with no depreciation factored in.^{See note2}

Policy Caters to the Military

Uniforms are covered in the event of a loss for our active duty or deployed members.^{See note3} Members who bank with USAA Bank can have their claims paid promptly with direct deposit.

Multi-Product Savings

Save up to 10% on homeowners insurance when you insure your primary home and auto with USAA.^{See note4}

Claims Service

We'll help get you back to normal quickly after you've suffered a loss. Report claims, submit photos, view status and more with the convenient USAA Mobile App.

Home Sharing Coverage^{See note5}

Help protect you and your home if you rent out a room or your entire house. We offer coverage you'll need as a home sharing host.

Factors That Determine Your Homeowners Insurance Premium:

Home location and home construction materials
Military affiliation
Continued USAA loyalty — having multiple USAA products and continuous coverage

Ways to Lower Your Premium

Increase deductibles
Save up to 10% when you insure your primary home and auto with USAA

Get Started with a Homeowners Insurance Quote

It's not a house — it's a home.

Investments/Insurance: Not FDIC Insured • Not Bank Issued, Guaranteed or Underwritten • May Lose Value

Note 1 Your policy automatically includes up to $5,000 of identity theft coverage except in NC and NY where identity theft coverage is not available.

Note 2 With 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.

Note 3 For loss due to a covered peril of military uniforms or equipment owned by you and when the loss occurs while you are on active or reserve duty, no deductible will be applied.

Note 4 Discount is off total premium. Discount is not available in all states or in all situations. To qualify for discount auto policy must be active prior to home issue. Discount subject to change. Restrictions apply.

Note 5 Coverage and availability restrictions apply and are subject to change. Not available in all states.

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.

Property and casualty insurance provided by United Services Automobile Association, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, based in San Antonio, TX; USAA Limited (UK) and USAA S.A. (Europe) and is available only to persons eligible for P&C group membership. Each company has sole financial responsibility for its own products.

Bank products provided by USAA Federal Savings Bank, Member FDIC.

Members were compensated for their participation.

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