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Property insurance

Help protect your home and stuff with the right coverage.

Get coverage for your farm and ranch.

The USAA Insurance Agency works closely with Travelers to help protect your farmhouse, equipment, horses and livestock. Coverage is also for things like barns, stables and chicken coops.

 

Learn about farm and ranch insurance

Protection for your things

Your stuff could cost more to repair or replace than you realize.

Valuable Personal Property Insurance

Get more protection for items like jewelry, fine art, guns, cameras and musical instruments.

Learn about Valuable Personal Property insurance

Electronics Coverage

Add a USAA Technology Coverage Endorsement to the homeowners or renters insurance policy you have with us.

This can help cover items like laptops, tablets, smartphones, wearable tech, gaming systems and TVs.‍ ‍ See note 1

Learn about electronics coverage

Collectibles Insurance

Get coverage for things like vintage toys, model trains, military and sports memorabilia, comic books, and more through the USAA Insurance Agency.

Learn about collectibles insurance

More protection when you need it

Umbrella Insurance

This provides additional liability coverage beyond the limits of your other personal policies.

Learn about umbrella insurance

Flood Insurance

Available through the USAA Insurance Agency, this helps cover flood damage.

Learn about flood insurance

Windstorm Insurance

This helps cover wind-related damage. It’s available in certain states through the USAA Insurance Agency.

Learn about windstorm insurance

Save more when you get more.

Looking for ways to lower your premium? Save up to 10% when you bundle USAA Property and Auto Insurance.‍ ‍ See note 2 You could save even more when you get multiple USAA products.‍ ‍ See note 3

From home repair to security, we can make it easy to save.

Whether you’re looking for discounts on products you want or services you need, make USAA Perks® your first stop.

Contractor Connection

Let us connect you with a top contractor for the best balance of service and value through the Home Improvement Network.  ‍ ‍ See note 4

Home Security

Protect against theft, fire, water and more with savings on the USAA Package through SimpliSafe®. ‍ ‍ See note 5

PODS® Moving and Storage

Save 10% on your move, plus 15% off monthly storage rental fees with PODS. ‍ ‍ See note 6

Explore USAA Perks

Related footnotes:

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

Related footnotes:

  1. All coverages may not be available in all locations.

  2. 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.

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

  4. The 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.

  5. SimpliSafe offer valid only for those who purchase a new SimpliSafe system that includes at least one (1) Base Station, one (1) Keypad and two (2) Additional Sensors. Not valid with any other offers. SimpliSafe Terms of Sale and all other applicable SimpliSafe Terms and Conditions apply.

  6. For 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.

Related footnotes:

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

  2. 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-mitigation

  3. Oregon 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.

  4. 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.

  5. USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.

  6. 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.

  7. 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.

  8. 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.

  9. The trademarks, logos and names of other companies, products and services are the property of their respective owners.

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