mobile domain:mobile.usaa.com
Skip to Content

Using your USAA Homeowners Insurance

Understand how your coverage works, get proof of insurance and more.

Get proof of insurance.

Declarations Page

This is a summary of your coverage that's valid through your policy term. To find it, go to My Documents. Open the insurance folder, then your homeowners insurance renewal file.

Get a declarations page

Proof of Insurance

This is a shorter summary of your coverage and limits. We send it to your mortgage company when each term starts or you make policy changes.

Get proof of insurance

Policy Packet

This is a 30- to 60-page document with everything you need to know about what’s covered and what’s not. We save your packet in My Documents for up to six years.

View documents

Understanding what’s covered‍ ‍ See note 1‍ ‍

Your protection is based on the circumstances of your claim and how much coverage you have. Learn more about what homeowners insurance covers.

Damage to Your Home‍ ‍ See note 1

Dwelling coverage helps pay for repairing or rebuilding your home. It can cover:

  • Roof damage from wind or hail.
  • Broken windows.
  • Fire damage.

Damage to Your Stuff‍ ‍ See note 1

Personal belongings coverage can help pay to repair or replace your stuff that’s stolen, damaged or destroyed.‍ ‍ See note 2 It can cover:

  • Theft and vandalism.
  • Furniture damage.
  • Damage to certain electronics.

Claims Against You‍ ‍ See note 1

Personal liability can help protect you financially if you’re legally responsible for someone’s accidental injuries or property damage. It can cover:

  • Injuries from slips and falls.
  • Damage to neighbors’ property.
  • Dog bites.

What about water damage?

Whether you’re covered depends on several factors.

Is damage sudden and accidental?

This includes burst pipes or other accidental leaks.

Is the damage weather-related?

This includes rain, snow, coastal storms and storm surges.

Learn about water damage coverage

How the claims process works

Tell us what happened. You can start by using our property loss checklist.

Report a claim by using the USAA Mobile App or visiting our claims center. We’ll review your coverage, check out the damage and once we approve the claim, we’ll send your payment.

Check your coverage limits.

Insurance policy coverage limits describe the maximum amount allowed for a covered event. Each coverage type offers different limits because of the losses it covers.

 

You can adjust your limits based on what you need, what you can afford and the level of risk you can handle.

Dwelling

Choose enough to cover how much it would cost to rebuild your home. Factor in current construction, materials and labor costs.

Review and update if you renovate or add new features.

Liability

You may want more coverage to help protect your net worth, which is the value of all your assets minus your debts.

Personal Belongings

The amount for this coverage is based on your dwelling limit. You can change it if the current coverage doesn’t meet your needs.

Review my limits

About homeowners deductibles

 We waive the deductible for your military uniforms and equipment.

Percentage Deductible

We calculate this as a percentage of your dwelling limit — not the amount of your claim. If the rebuild value of your home changes, so does your deductible.

Flat Amount Deductible

This is an exact dollar amount that won't change if your rebuild value does.

Multiple Deductibles

Some policies can have multiple deductibles that vary by the type of loss. For example, you could have one deductible for wind and hail coverage and a separate one for other perils.

Review my deductible

Decide if you need additional policies.

Your homeowners policy has limitations. Adding other types of may help.

Flood Insurance

Get valuable coverage for areas prone to flooding.

Learn about flood insurance

Umbrella Insurance

Add extra financial protection beyond the limits of your other personal policies.

Learn about umbrella insurance

Why was I asked to complete a home inspection?

Your policy helps cover your costs to rebuild your home in the event of a loss. But if you make upgrades to your home, you may need more protection.

A property inspection will help us estimate the minimum rebuild cost for your home.

If you make upgrades to your home, you'll also need to update your home details on your Homeowners Policy Summary.

Learn more about inspections

Update my home details

What happens when my homeowners policy renews?

We’ll take care of it for you and send your new policy declarations page within 30 days of renewal.

It’s important to review your renewal documents and your deductible, coverages, and home characteristics. Keep in mind that changes to these details could impact your premium.

If you’re not sure your current policy is a good fit anymore, make sure to review your options before you cancel your homeowners insurance.

If you have another active primary property policy with us, you can cancel your homeowners policy online. Otherwise, call 800-531-USAA (8722).


 

Review my policy

Read about premiums

If you’re moving out or leaving your home empty

Here are a few scenarios that can affect your coverage, even if you have a homeowners policy.

When you PCS or deploy

You can easily change your homeowners policy to a landlord one if you're called away for duty. Listing your property as a vacation rental also works with landlord insurance to help protect you.

Renting out your property

If you decide to rent your property to a tenant or family, switch to rental property insurance, also called landlord insurance, for the protection you need. They should have renters insurance, even if they’re not paying rent, to protect their stuff.

Learn about landlord insurance

If you’re leaving your property empty

Some homeowners policies may limit coverage if a property will be vacant for a few months. To check your options and make sure you’re covered, contact us.

Using homeowners insurance FAQ

Yes, if you want more coverage for items like electronics, jewelry or guns, consider these options.

USAA Technology Coverage Endorsement:

This helps protect electronics from drops and spills with a $250 deductible. To add it to your policy, select “Update Coverage” on your Homeowners Account Summary.

Valuable Personal Property, or VPP, policy:

There’s no deductible, and you get extra protection for high-value items like jewelry, guns and smartwatches. It’s separate from your homeowners policy and may be bundled for extra savings. Learn more about VPP insurance.

Cell phone coverage:

This can provide extra protection for drops, loss or theft with ProtectCELL®. Learn more about cell phone protection.

Yes, we need the most up-to-date information to establish the minimum replacement cost of your home.

You can review and update your current home characteristics and coverage by going to your homeowners account summary.

You may also need an inspection to determine the amount of coverage you need after a home upgrade. You can either:

  • Do it yourself online with a virtual self-inspection.
  • Request us to do it for you with an in-person inspection. 

Regardless of upgrades, you should review your policies and deductibles every year.

You may be eligible for discounts by bundling homeowners and auto insurance, staying claims-free for at least five years, having home protective devices, and meeting other conditions.

You can also save up to 7% on your homeowners premium with a Connected Home discount‍ ‍.

Learn more about USAA Homeowners Insurance discounts.

You can also take the following steps to help prevent losses:

  • Lock all doors and windows and use a security system when away from the home.
  • Trim trees so they don’t grow over the roof.
  • Turn off your water when leaving home for an extended period of time.

Learn more about seasonal home maintenance.

Yes. You can get a discount for protecting your home. But the discount applies to monitored security alarms. You can monitor it yourself or pay for a service that does it for you.

To see if you already have a discount for a home security system, select the Discounts and Savings tab on your homeowners account summary. You’d see a Protective Device Credit discount applied.

If you don’t see that credit and you have a monitored security system, select Update Home Characteristics on your homeowners account summary.

Then fill in your security system information. The update will take 24 to 48 hours to appear on your account summary page.

View more homeowners insurance FAQ

Advice articles

Does my homeowners insurance cover Airbnb, Vrbo® and others?

Article, Video: 4 minutes

Read article: Does my homeowners insurance cover Airbnb, Vrbo and others?

Tools and tips to avoid costly household water leaks

Article: 5 minutes

Read article: Tools and tips to avoid costly household water leaks

12 tips for hiring contractors and builders

Article: 4 minutes

Read article: 12 tips for hiring contractors and builders

Find your way around your policy.

Get the support you need with our highly rated service.

 My homeowners policy

  • Get proof of insurance
  • View policy details
  • Update coverage and deductibles
  • Update home characteristics
  • Pay insurance bill
Manage my insurance

Claims

  • Report a claim
  • Check claim status
  • Learn more about homeowners claims
Go to Claims Center

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. 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.

Related footnotes:

  1. Membership eligibility and product restrictions apply and are subject to change.

  2. 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 S.A. (Europe), and USAA S.A. UK Branch (United Kingdom) 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.

NC