TLDR
  • Estimated $1,379/year (~$115/month) for a standard $300k policy — well below the national average
  • NAIC complaint ratio 0.52 (well below industry average); A+ financial strength
  • Availability: Military members & their immediate family only
  • Lowest average premiums of any national carrier
  • Eligibility limited to military members and their families
NAIC complaint ratio  0.52  — well below industry average

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

Pros

  • Lowest average premiums of any national carrier
  • Top-tier claims service and complaint ratio (0.52)
  • Strong bundle, military-specific perks, and financial stability

Cons

  • Eligibility limited to military members and their families
  • No local agent offices — phone, app, and web only
  • Members in high-catastrophe states still face large increases

Bottom line: If you're eligible for USAA, get its quote first — it's the carrier to beat on both price and claims. If you're not, the next-cheapest names below are your realistic field.

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Compare USAA homeowners rates by state

California →Texas →Florida →New York →Colorado →Oklahoma →Ohio →Georgia →North Carolina →Illinois →Pennsylvania →Michigan →Virginia →Washington →Tennessee →

Frequently asked questions

How much is USAA homeowners insurance?
Roughly $1,379/year (~$115/month) for a standard $300k-dwelling policy — well below the national average. Your exact price depends on your home, deductible, and claims history.

Is USAA good for homeowners insurance?
It carries an NAIC complaint ratio of 0.52 (well below industry average) and A+ financial strength. If you're eligible for USAA, get its quote first — it's the carrier to beat on both price and claims. If you're not, the next-cheapest names below are your realistic field.

Not sure how much coverage you need?
Use the home coverage calculator to size your dwelling, liability, and add-ons before you compare USAA against other carriers.

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