Cancel Your USAA Homeowners Insurance Policy

We’ll explore all your options to help you make the best decision.

We understand things change.

Your financial security is important to us, and we want to make sure you're protected. Before you cancel your policy, consider your options and ways to save.

Selling and buying? Cancel at the right time.

If you're selling your house, don't cancel coverage until after closing. Even if you're not living there, you may still be liable for anything that happens to it or on the property.

When you buy your new home, make sure your new policy starts on the closing date.

Get a new homeowners quote Learn more about insurance

If you’re selling your home and switching to a rental

Keep your homeowners policy until the closing process is complete, so you don’t have any gaps in coverage.

Get renters insurance to help protect your stuff, even if it’s in storage. Making the switch to USAA Renters Insurance is easy.

Get a renters quote Learn about renters insurance

Stay protected in any situation.

Rental property insurance, also called landlord insurance, can help you when your needs change.

Renting out your home

If you decide to rent out your home, you can switch to our landlord insurance for the protection you need.

Plus, your membership gives you access to member discounts, such as tenant screening.

Family members living in the home

If family members are living in your home but you aren’t, you need landlord insurance.

They should also have renters insurance. Even if they’re not paying rent, it’ll protect their stuff.

When you PCS or deploy

A military move can be a stressful time. You can easily change your homeowners policy to a landlord one if you're called away for duty.

If you decide to list your home as a vacation rental, landlord insurance can help protect you.

Learn about landlord insurance

Ways to lower your USAA Homeowners Insurance premium

Has your premium gone up? Explore what things can affect home insurance rates. You can also do a few things to help lower the cost.

Maximize your savings.

We offer many ways to save on your coverages, such as the claims-free discount‍ ‍^{See note 1} or bundling with your USAA auto policy.‍ ‍^{See note 2} Make sure you’re getting all the discounts you qualify for.

Check your discounts
Explore more discounts

Opt for a higher deductible.

The more you can pay out of pocket, the lower your premium. Just make sure you have enough cash set aside to cover your deductible if you need it.

Check your deductible

Save with Connected Home.

Connected Home is a discount program that rewards you for using smart home devices.‍ ‍^{See note 3} Safeguard your home with water leak detectors, smart thermostats and alerts about incidents when you’re away.

View Connected Home

Other things to consider before canceling

We’re a top pick for home insurance.

USAA Homeowners Insurance ranks among the top for customer experience. As a member, you’re getting high-quality coverage and service. Our team is here to make sure you have the coverage that best fits your needs.

Our standard policy isn’t so standard.

If you’re active-duty or reserve, there’s no deductible for uniforms or military gear that’s lost or damaged in a covered claim.‍ ‍^{See note 4} We also include identity theft protection.‍ ‍^{See note 5}

Cheaper isn’t always better.

Lower rates could cost you more in the long run. Make sure you’re comparing the same types and levels of coverage. The best policy is the one that gives you the protection you need, not just the lowest price.

Bundle and save with VPP.

When you add another policy and bundle them together, you may be able to get a discount.‍ ‍^{See note 6}

Valuable Personal Property insurance, or VPP, offers protection beyond what a homeowners or renters policy covers. It protects things such as jewelry, watches, cameras, musical instruments and more.

Review VPP coverage

How to cancel your homeowners policy

If you’re sure that canceling is the best decision for you, we understand. All you need to do is talk to a representative.

If you’re canceling coverage on a second home, you can do it through your policy summary.

Call 800-531-USAA (8722)

For TTY devices, dial 711

Need to do something else?

If you don’t want to cancel, you can make other changes or get policy documents anytime. You can:

Update or remove a mortgage company.
Change coverage and deductibles.
Update home characteristics, like roof age or new remodels.
Get proof of insurance.

Review your policy

Homeowners cancellation FAQ

Not paying your bill can affect your credit and your ability to get other insurance. It can also lead to higher rates or make you ineligible for certain discounts.

In most cases, you’ll get a refund unless you have an account with an outstanding balance. If your premium is paid through escrow, we may send the refund to your mortgage company.

There may be special circumstances that change how we process your refund. If you have questions about a refund, speak with one of our insurance specialists by calling 800-531-USAA (8722) 8005318722.

Even though you’re no longer required to have homeowners insurance, it’s a good idea to keep it. Your policy helps protect you, your home and your things.

Cancel homeowners insurance