⭐ Editor's Choice — Top Rated Pick
USAA Homeowners & Renters
📍 Available in: US
★★★★★ 4.9 / 5.0
USAA consistently sweeps independent customer satisfaction benchmarks across J.D. Power surveys. Exclusively serving active-duty military, veterans, and their immediate families, USAA includes Replacement Cost Coverage by default on personal property (no deduction for depreciation) and provides zero-deductible coverage for military uniforms lost in combat operations.
Key Facts at a Glance
| Cost / Fee Structure | From $95/mo (Home) / $12/mo (Renters) |
| Coverage / Loan Limit | Dwelling: $150K - $4M+ |
| Deductible | $500 - $2,500 |
| Credit / Eligibility | Military Affiliation Required |
| Terms Available | Annual Policies |
Pros & Cons
✓ Pros
- ✓Highest customer satisfaction and claims satisfaction in the insurance industry
- ✓Pays full replacement cost on electronics, clothing, and gear without depreciation cuts
- ✓Extremely affordable renters insurance starting at ~$12/month
- ✓Dividends frequently returned to loyal subscriber accounts
✕ Cons
- ✕Membership strictly limited to military service members, veterans, and their families
- ✕No physical branch network (entirely digital and phone support)
Key Features
Replacement Cost Personal Property Included$0 Deductible on Military Gear & UniformsIdentity Theft Protection IncludedWorldwide Personal Property CoverageSpecial Deployment War Peril Exemption
Compare USAA Homeowners & Renters Side-by-Side
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