The short version
If you qualify for membership, it is one of the most popular choices among military households. On our home insurance comparison, it's labeled Best for military families.
Key facts
| Buy through | Online, app, phone |
|---|
| Bundling | Auto, renters, life |
|---|
| Availability | Military members, veterans and eligible family |
|---|
What stands out
- Available to eligible military members, veterans and families
- Replacement cost for personal belongings on standard policies
- Bundle with USAA auto insurance
Pros and cons
Pros
- Strong reputation with military households
- Online and app service
Cons
- Membership eligibility required
How USAA compares
Side-by-side comparison
| SF State Farm | A Allstate | U USAA |
|---|
| Buy through | Local agents, online | Agents, online, app | Online, app, phone |
| Bundling | Auto, life, umbrella | Auto, life, renters | Auto, renters, life |
| Availability | Varies by state | Varies by state | Military members, veterans and eligible family |
| Visit site | Visit site | Visit site |
Head-to-head comparisons
Alternatives to consider
What to check before you sign up
Whichever home insurance provider you choose, compare these points:
- Coverage A amount. Should reflect the cost to rebuild, which is different from market value or purchase price.
- Replacement cost vs. ACV. Replacement cost pays to replace items new. Actual cash value subtracts depreciation.
- Standard and wind/hail deductibles. Some areas use a separate percentage deductible for wind, hail or hurricanes.
- What is not covered. Flood and earthquake are usually excluded and need separate policies.
