Operating Companies

Property and casualty Insurance

United Services Automobile Association was founded in 1922 by 25 U.S. Army officers who joined together to insure one another. USAA is a highly respected insurer, with employees around the world.

USAA and its family of property and casualty insurance companies offer members a wide range of products and services — and consistently earns the highest ratings from independent rating agencies, consumer groups and research organizations for its financial strengthAs of June 30, 2024, A.M. Best: A++ (Superior); Moody's Investors Service: Aaa (Exceptional) S&P Global Ratings: AA+ (Very Strong). Ratings are subject to change. Ratings apply to USAA Property and Casualty Insurance Company and not to the products or services it provides. Company ratings represent an opinion of financial strength and the company's ability to meet ongoing obligations to policyholders. Ratings refer to the claims-paying ability of the insurance company and do not reflect the safety or performance of any product. The rating agencies listed are independent of each other and use proprietary evaluation criteria and ratings scales. For the latest Financial Strength Ratings, visit www.ambest.com(opens in new window), www.moodys.com(opens in new window) and www.spglobal.com/ratings(opens in new window). and exceptional level of customer service.

Products and services

USAA and its family of property and casualty insurance companies:

Auto and Property
  • Automobile
  • Homeowners
  • Condominium
  • Renters
  • Flood
  • Umbrella
  • Rental property (RPI)
  • Valuable Personal Property (VPP)

USAA Insurance Agency, Inc.

USAA membership is primarily reserved for military service members and their eligible family members. But the USAA Insurance Agency serves more than just military members and provides quotes from nationally known insurance companies. Products offered through the USAA Insurance Agency's relationships include:

Flood and Wind
  • Excess flood
  • Windstorm

Recreation Products
  • Aviation
  • Boats and personal watercraft
  • Motorcycles
  • ATV and UTV
  • RV and travel trailer

Specialty Auto
  • Classic car
  • Commercial auto
  • Mexico tourist
  • Nonstandard auto
  • Personal auto

Additional Insurance
  • Cell phone protection
  • Pet
  • Special event
  • Surety bonds
  • Personal cyber
 		 Member-Owned Business
  • Commercial bonds
  • Business and commercial auto
  • Business owners policy
  • Commercial property
  • Commercial builder risk
  • Commercial umbrella and excess liability
  • General liability
  • Professional liability
  • Tractors and equipment
  • Workers' compensation
  • Cyber
  • Farm and ranch

Specialty Property
  • Homeowners and renters
  • California and Florida homes
  • High-value home
  • Collectibles
  • Mobile home
  • Umbrella
  • Excess umbrella


 

Contact the media team
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. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.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.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 Limited (UK) and USAA S.A. (Europe) 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.269560