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A few ways to save on your homeowners premium

Help protect your family, your wallet and your biggest investment with USAA Homeowners Insurance.

Bundle savings‍ ‍ See note 1

Save up to 10% on your homeowners premium when you bundle home and auto insurance.

Protective device credit‍ ‍ See note 2

Get up to 5% off your homeowners premium when you have a monitored fire alarm or monitored home security system.

Loyalty discount‍ ‍ See note 3

Save up to 5% on your premium when you have a property policy with us for 3 continuous years.

Claims-free discount‍ ‍ See note 3

Get up to 15% off when you haven’t had a claim with us or your previous insurance company in the past 5 years or more.

Save with smart home devices.

Our Connected Home program can help you save up to 8% on your homeowners premium when you enroll and connect qualifying devices.‍ ‍ See note 4 They can help manage your home's temperature, detect water leaks and smoke, and monitor security.

Explore Connected Home

Save more with multi-product discounts.‍ ‍ See note 5

Add more to save more. Save up to 9% on your homeowners premium if you have all of the following  with us:

  • Valuable Personal Property insurance
  • Umbrella insurance
  • Banking
  • Life insurance with USAA Life Insurance Company or USAA Life Insurance Company of New York

Already have a USAA homeowners policy?

Review your current discounts and make updates on your account summary.

Review my discounts

Your deductible can help make your premium more affordable.

To lower the amount you pay each month or year, you can try raising your deductible. If you do this, you’ll just want to make sure you have enough money set aside should you need to file a claim.

Pay no deductible for military gear.‍ ‍ See note 6

We'll waive your deductible on gear and uniforms if you have a covered loss while on active or Reserve duty. This can include uniforms, insignia, flight cases, headsets and body armor.

Get advice on insuring your home and more.

What isn't covered by my homeowners insurance policy?

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Read article: What isn't covered by my homeowners insurance policy?

Prevent costly water leaks at home

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Read article: Prevent costly water leaks at home

Save on homeowners insurance with smart home devices

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Read article: Save on homeowners insurance with smart home devices

Related footnotes:

  1. 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

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

Related footnotes:

  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.

  2. Discount 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.

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

  4. 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. 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.

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

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

Related footnotes:

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

  2. 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.

  3. Learn about USAA's use of Artificial Intelligence.

    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.

  4. 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 EU DAC (Europe), and USAA S.A. UK Branch (pending cancellation to align with the pending branch authorization application) 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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