USAA Homeowners Insurance : Cheap Homeowners Insurance – USAA

USAA Homeowners Insurance : Cheap Homeowners Insurance – USAA

If you own a home but rent it out to tenants, you’ll need landlord insurance like USAA Rental Property Insurance. Home insurance is for people who own and live in their house. If you’re paying a mortgage, your lender likely requires hazard insurance, which is part of a standard homeowners policy.


The amount you pay for home insurance depends on many factors. The size and age of your home, its location and the coverage amounts and deductibles you choose can all affect your premium. You may be able to lower your premium with our homeowners insurance discounts.

You can tailor a USAA policy to your needs, so you get a balance of coverage and value. Some coverages are standard. Others you can add as needed, like earthquakeSee note and home sharing coverage.

USAA Homeowners Insurance ranks among the top home insurers for its customer experience. As a USAA member, you’ll get quality coverage and exceptional service.

What sets USAA apart?

Replacement cost coverage is standard.

This covers your things at today’s replacement cost with no depreciation. That means, once you pay your deductible, your policy would pay you enough to buy a new TV, computer or other items if your old ones were stolen or damaged while covered.

Get more protection for more peace of mind.

Add USAA Home Protector coverage to get 25% more toward rebuilding costs, debris removal and building ordinance or law requirements.

Find flexibility and an easy claims process.

Customize your coverage and adjust your payment due date to fit your needs. Quickly file and track claims online. We can also connect you with a network of trusted contractors for your repairs.

Military members get added benefits.

We’ll cover uniforms with no deductible for active-duty members, even when they’re deployed. You’ll have coverage for military equipment, and we’ll waive your deductible if your personal property is damaged or lost due to war.

What kind of discounts are available?

There are lots of ways you could lower your home insurance premium, from being a loyal member to having multiple USAA products.

Bundle and Save

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

Connected Home Discount

Install smart devices that detect water leaks, smoke and more to get a discount through the USAA Connected Home program.

Protected Home Discount

Save up to 5% on your premium if you have a monitored fire alarm or monitored home security system.See note

Claims-Free Discount

Save up to 15% after five years without a claim.

How much homeowners insurance do I need?

You should insure your home for the estimated cost to rebuild, not what someone would pay to buy it. The dwelling coverage amount may be more or less than the market value of your home, depending on things like location and reconstruction costs. We can help you determine your rebuild cost.

You should also take an inventory of your personal possessions. When it comes to liability coverage, you should have enough to protect your assets, which includes anything of value that you own.

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