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What's homeowners insurance?

This policy can help pay for damage to your home and the things you own. Home insurance can also help if you're responsible for someone's injury or property damage.

Is homeowners insurance required?

If you're paying a mortgage, your lender may require you to have hazard insurance. That's included in a home insurance policy.

What does homeowners insurance cover?

Our standard policy covers theft and vandalism, identity theft,‍ ‍ See note 1 most weather-related events, and some water damage.

Damage to your home

This includes the house, permanently attached items and other structures like fences, driveways, detached garages, and pools.

Damage to your stuff

We'll help pay to repair or replace personal things like electronics, furniture and appliances if they're damaged by something that's listed in your policy.

Temporary living expenses

We'll pay your increase in living expenses, like a hotel and meals, if you can't stay in your home after a covered event.

Claims against you

Personal liability coverage can help protect your finances if someone is hurt in an accident at your home or their property is damaged.

Are you renting out your home?

If you own your home but rent it out, landlord insurance like USAA Rental Property Insurance can help protect you, your guests and your assets.

Learn about landlord Insurance

Why choose USAA

We rank among the top home insurers for customer service. Our members also get these benefits.

Replacement cost coverage as a standard

This covers your things at today's replacement cost with no depreciation.‍ ‍ See note 2

That means, once you pay your deductible, your policy can help buy a new TV, computer or other items if your old ones were stolen or damaged in a covered event.

More protection for your peace of mind

Add USAA Home Protector coverage to get 25%‍ ‍ See note 3 more toward rebuilding costs, debris removal and building ordinance or law requirements.

Flexibility and an easy claims process

Customize your coverage and adjust your payment due date to fit your needs. Quickly file and track claims on usaa.com or the USAA Mobile App.

We can also connect you with a network of trusted contractors for your repairs.

Added benefits for military members

We'll cover uniforms with no deductible for active-duty members, even when they're deployed. We also provide coverage for military equipment.‍ ‍ See note 4

Plus, we'll waive your deductible if your personal property is damaged or lost due to war.‍ ‍ See note 5

Ways to make home insurance cheaper

You can have quality coverage and service and still lower your premium. Learn about more homeowners insurance discounts and savings.

Bundle and save

Save up to 10% on your premiums when you bundle home and auto insurance.‍ ‍ See note 6

Connected Home discount

Install smart devices that detect things like water leaks and smoke, then share your data with us to get up to 8% off your premium through the USAA Connected Home program.‍ ‍ See note 7

Protected Home discount

Get up to 5% off your premium if you have a monitored fire alarm or monitored home security system.‍ ‍ See note 8

Claims-Free discount

Save up to 15% after 5 years without a claim.‍ ‍ See note 9

How much coverage do you need?

It depends. We can help you customize a policy to fit your coverage needs.

If you need $1.5 million or more of coverage, the USAA Insurance Agency offers high-value home insurance. It provides coverage beyond a standard homeowners policy.

Rebuilding costs

This may be more or less than the market value of your home. We can help you find your rebuild cost. The amount depends on things like:

  • Where your home is located.
  • Reconstruction costs.

Personal belongings

This depends on how much your stuff is worth. You should consider:

  • How much it would cost to replace your stuff.
  • The value of things you have in storage.
  • What you can't live without or pay to replace.

Liability

This coverage helps protect you from lawsuits and medical bills. You should consider:

  • The risk of someone getting hurt or their stuff getting damaged in your home.
  • The value of the things you own, including savings, investments and income.

Homeowners insurance FAQ

Replacement cost is the amount it takes to rebuild your home or replace damaged items at today's value.

Actual cash value is the value of your home or covered items that could be damaged. You also need to factor in depreciation, or lost value over time, to estimate your home’s actual cash value.

Our standard policy includes water damage coverage. This helps repair or replace property damaged by something sudden and accidental, like a burst pipe or water heater.

In most states, your homeowners policy may provide limited protection for mold damage if a covered water loss caused it. But it usually won't cover water damage or mold that happened slowly over time, was caused on purpose or came from a flood.

The amount you pay depends on the coverage and deductibles you choose. Increasing your deductible can help lower your premium but also means you pay more out of pocket when you file a claim.

The size, age and location of your home also play a role.

Follow these simple steps to make the switch:

  • Buy a new policy before you cancel the old one.
  • Let your mortgage servicer know you're switching insurers and when the new policy starts.

Learn more about homeowners insurance.

Understanding homeowners insurance coverage

Article: 9 minutes

Read article: Understanding homeowners insurance coverage

Moving? Is property covered by homeowners insurance?

Article: 5 minutes

Read article: Moving? Is property covered by homeowners insurance?

What isn't covered by my homeowners insurance policy?

Article: 5 minutes

Read article: What isn't covered by my homeowners insurance policy?
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Protection beyond home insurance

Flood insurance

Homeowners insurance doesn't cover floods. A flood policy can help pay expensive repairs and replace damaged items.

Learn about flood insurance

Umbrella insurance

A personal umbrella policy can pick up where your homeowners liability coverage leaves off. It can also help you pay for the remainder of a claim that exceeds its limits.

Learn about umbrella insurance

Valuable Personal Property Insurance

Also called VPP, this policy gives you more protection with no deductible for jewelry, smartwatches, guns and more.

Learn about VPP insurance

Life insurance

The USAA Life Insurance Company and USAA Life Insurance Company of New York can help give your family peace of mind with flexible coverage and dedicated support.

Learn about life insurance

Windstorm insurance

The USAA Insurance Agency offers this policy to help protect a home near the coast. It covers damage from hurricanes, hail, tornadoes or other windstorm events.

Learn about windstorm insurance

Related footnotes:

  1. Investment and Insurance Products are:

    • Not Insured by the FDIC or Any Federal Government Agency
    • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank
    • Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested

  2. IN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.

Related footnotes:

  1. Your homeowner's policy automatically includes up to $5,000 of identity theft coverage. ID theft coverage not available in North Carolina. Read your United Services Automobile Association (USAA) policy for details.

  2. With replacement cost coverage, at our option, subject to policy limits and policy deductible, if you actually replace the property we will pay you the lesser of our cost to restore, repair or replace the damaged property or the amount you actually spent to restore, repair or replace the property. Coverage applies to damage or loss due to events listed in your policy.

  3. Additional 25% coverage applies to your dwelling only, not its contents. To qualify for this coverage, dwelling must be insured for a minimum of 95% of estimated rebuild cost. Certain restrictions apply.

  4. No deductible will be applied for a covered loss to your military uniforms or military equipment while you are on active or reserve duty.

  5. Applicable losses will be covered up to the personal property limit for all policies. Coverage applies to eligible members whose personal property was damaged, destroyed, or abandoned due to war and only if the loss occurred outside the continental United States, Alaska or Hawaii. Coverage not available for homeowners insurance policies in North Carolina.

  6. Savings are off total premium. Not available in all states or in all situations. To qualify for a discount on the property policy, a USAA Auto Insurance policy must be active within 60 days of issuing the property policy. Discounts will apply at renewal for existing property product(s). Discount subject to change. Restrictions apply.

  7. The United Services Automobile Association (USAA) Connected Home program is optional. Must have an active USAA Homeowners Insurance Policy and agree to share data from connected home devices to receive discount. Smartphone, eligible connected home devices, and download of the applicable vendor’s app also required. Savings may vary. This program is only available in select states. Program availability and state restrictions apply. In most states, we don’t apply the Connected Home discount and the Protective Device Credit at the same time. If you’re eligible for both, we’ll apply the Connected Home discount since it’s the larger of the two.

  8. Discount is calculated on select policy coverages. Restrictions may apply. In most states, we don’t apply the Protective Device Credit and the Connected Home discount at the same time. If you’re eligible for both, we’ll apply the Connected Home discount since it’s the larger of the two.

  9. Discounts may not be available in all locations and are subject to change, other restrictions may apply.

Related footnotes:

  1. Coverage descriptions are brief and subject to the terms and conditions of your insurance policy. Read your insurance policy for details. Applications subject to underwriting.

  2. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

  3. In Florida, for policies including coverage for Windstorm and Hail, USAA offers premium credits for structures built with hurricane mitigation construction techniques. The amount of credit is subject to information submitted via the Uniform Mitigation Verification Inspection Form. Use this link to find more information on Premium Discounts for Hurricane Loss Mitigation. https://floir.com/property-casualty/premium-discounts-for-hurricane-loss-mitigation

  4. Oregon properties: USAA does not consider wildfire mitigation actions for underwriting purposes. USAA does consider wildfire mitigation actions for premium credits under rate plans for Homeowners policies only. To be eligible for a wildfire premium mitigation discount, the home must be located in an active Firewise community. For more information on FireWise Community visit firewise.org. The discount will be removed at the following renewal if the community does not maintain the FireWise Community certification.

  5. The National Flood Insurance Program is not underwritten by United Services Automobile Association (USAA) or its affiliates based in San Antonio, Texas, and is provided by USAA General Indemnity Company (USAA-GIC), through an arrangement with the Federal Emergency Management Agency. The Federal government has financial responsibility for underwriting losses. The National Flood Insurance Program USAA-GIC is not available in Guam, U.S. Virgin Islands, Puerto Rico or overseas.

    The typical homeowners or rental property insurance policy doesn't include flood coverage, and in some locations, you may also need to obtain a wind-only insurance policy. Flood insurance can be purchased separately through the National Flood Insurance Program. The maximum limits of coverage available on the federal flood policy for residences are $250,000 on the building and $100,000 on contents. If you need additional flood insurance coverage beyond these amounts, you can contact USAA Insurance Agency which works with other insurance companies that provide excess flood coverage. Private flood coverage is not affiliated with the National Flood Insurance Program.

  6. USAA Perks is available to all members of USAA Membership Services and customers with a USAA number. Purchase of a USAA Insurance product is not required.

  7. The USAA Perks program is provided through USAA Alliance Services LLC, a wholly owned subsidiary of USAA. USAA Alliance Services contracts with companies not affiliated with USAA to offer their products and services to members and customers. USAA Alliance Services receives compensation from these companies based on the sale of these products or services. When you purchase a product or service from one of these companies, that company is responsible for protecting your data and its processes and procedures may differ from those of USAA. These companies have sole financial responsibility for their products and services.

  8. Learn about USAA's use of Artificial Intelligence.

    Life insurance and annuities provided by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products.

  9. Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA EU DAC (Europe), and USAA S.A. UK Branch (pending cancellation to align with the pending branch authorization application) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products.

    Coverages subject to the terms and conditions of the policy.

  10. USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.

  11. USAA Federal Savings Bank offers deposit, credit card, consumer lending, mortgage, and other banking products and services. USAA Federal Savings Bank is a Member of FDIC. Credit card, mortgage and other lending products not FDIC-insured.

  12. Home loans subject to credit and property approval.

  13. USAA is an Equal Housing Lender

  14. USAA FSB NMLS 401058

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