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| New home discount discount | Yes |
|---|---|
| New homeowner discount | Yes |
| Home safety features discount | Yes |
| New policy discount | Yes |
| Bundling discount | Yes |
| No claims discount | Yes |
| Other discounts | Yes |
| Dwelling coverage | Yes |
|---|---|
| Personal property coverage | Yes |
| Valuable personal property | Yes |
| Theft coverage | Yes |
| Fire coverage | Yes |
| Flood coverage | Yes |
| Identity theft coverage | Included |
| Homesharing | Yes |
| Dwelling coverage | Yes |
Review by
Katia Iervasi is a writer from Sydney, Australia. Her writing — and curiosity — has taken her around the world, and she now calls New York home. With a journalistic eye for detail, she navigates insurance and finance for Finder, so you can splash your cash smartly (and be a pro when the subject pops up at dinner parties).
If you’re a USAA member, it’s worth looking into its home insurance. The rates are competitive, and the company offers perks that cater to its military-specific clientele.
But if you’re hoping to score discounts for things like paying your premium in full, you may qualify for more discounts with competitors.
Either way, take the time to compare home insurance providers to score the best possible policy.
USAA keeps it simple by offering a single home insurance policy to protect your property and possessions, with a few optional add-ons. Your policy will cover:
You can also opt into this coverage:
USAA has a solid range of discounts, including:
First and foremost, you’ll need to be a USAA member. To qualify, you must be an active duty, National Guard or Reserve officer, an officer candidate, or a spouse or child of a USAA member.
If you check one of those boxes, you can apply for membership and then home insurance. When you get to that point, follow these steps:
The application asks for the following info:
The system will prefill some of the fields with info from public records.
The quickest way to make a claim is online:
If you bank with USAA Bank, your claim will be paid via direct deposit. Otherwise, USAA will likely send you a check.
