USAA homeowners insurance review (2026): cheapest home insurance for the military.

About USAA homeowners insurance

USAA serves active-duty military, veterans, and their immediate families, and it consistently posts both the lowest homeowners premiums and one of the lowest complaint ratios in the industry. Membership is the catch — if you or a parent or spouse served, you likely qualify; if not, you can't buy it. For eligible homeowners, USAA is almost always the first quote to get.

Who USAA homeowners insurance is right for

Eligible military households. If you qualify, USAA is the default starting point — it routinely beats every national competitor on price while ranking at the top for claims satisfaction.

How much does USAA homeowners insurance cost?

USAA homeowners insurance averages roughly $1,379/year (about $115/month) for a standard policy with around $300,000 in dwelling coverage and a $1,000 deductible — well below the national average of about $1,915. Homeowners pricing varies enormously by state, dwelling amount, roof age, and claims history, so treat this as a directional benchmark and get a quote for your specific home.

Availability: Military members & their immediate family only.

USAA homeowners insurance pros and cons

USAA’s recent rate filings

The actual rate changes USAA filed with state insurance regulators — primary-source numbers, not estimates. In the filings we track, USAA filed 8 home rate changes across 8 states, averaging +8.5% and 32 auto rate changes across 13 states, averaging +0.3%. Each row links to the filing in our rate-filings ledger.

Filed/approved statewide-average changes from each state’s Department of Insurance; a filed average is not your rate — your change depends on your ZIP, coverage, and risk profile, and a cut often reaches new customers before renewals. Not a quote.

Compare USAA homeowners rates by state

Frequently asked questions