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What's homeowners insurance?

Homeowners insurance, also called home insurance, helps pay for damage to your home and the things you own when something happens that's covered by your policy. It also provides liability coverage that helps protect your finances if you're held responsible for someone else's injuries or property damage.

Home insurance is for people who own and live in their house. If you're paying a mortgage, your lender likely requires hazard insurance. That's part of a standard homeowners policy. If you own a home but rent it out to tenants, you'll need landlord insurance like USAA Rental Property Insurance.

How much does homeowners insurance cost?

The amount you pay for home insurance depends on many factors. The size and age of your home, its location, and the coverage amounts and deductibles you choose can all affect your premium. You may be able to lower your premium with our homeowners insurance discounts.

What does a homeowners policy cover?

  • Most Weather-Related Damage

    You'll have to buy a separate policy if you need flood insurance.

  • Theft and Vandalism

    Our standard homeowners policy also includes coverage for identity theft.1

  • Some Water Damage and Mold

    This only includes water damage that's sudden and accidental. Learn more about water damage coverage.

What does homeowners insurance help protect?2

You can tailor a USAA policy to your needs, so you get a balance of coverage and value. Some coverages are standard. Others you can add as needed, like earthquake3 and home sharing coverage.See note4 Learn more about home insurance coverage.

  • Dwelling and Other Structures

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

  • Personal Belongings

    We'll help pay to repair or replace items,See note5 including electronics, furniture and appliances. Add more protection with Valuable Personal Property insurance.

  • Loss of Use

    If your home is unlivable after a covered loss, we'll cover your increase in living expenses. This includes the extra cost for a hotel and buying meals.

  • Personal Liability

    This generally provides coverage if you're responsible for someone's accidental injury or damage to their property.

Home insurance helps protect you, your home and your stuff.

Get a homeowners quote

What sets USAA apart?

USAA Homeowners Insurance ranks among the top home insurers for its customer experience. As a USAA member, you'll get quality coverage and exceptional service.

Replacement cost coverage is standard.

This covers your things at today's replacement cost with no depreciation.See note5 That means, once you pay your deductible, if you have a covered claim your policy would pay you enough to buy a new TV, computer or other items if your old ones were stolen or damaged while covered.

Get more protection for more peace of mind.

Add USAA Home Protector coverage to get 25%See note6 more toward rebuilding costs, debris removal and building ordinance or law requirements.

Find flexibility and an easy claims process.

Customize your coverage and adjust your payment due date to fit your needs. Quickly file and track claims online. We can also connect you with a network of trusted contractors for your repairs.

Military members get added benefits.

We'll cover uniforms with no deductible for active-duty members, even when they're deployed. You'll have coverage for military equipment, and we'll waive your deductible if your personal property is damaged or lost due to war.See note7

What kinds of savings are available?

There are lots of ways you could lower your home insurance premium, from being a loyal member8 to having multiple USAA products.See note9 See how you can save with our homeowners discounts.

Bundle and Save

Save up to 10% on your premiums when you bundle homeowners and auto insurance.See note10

Connected Home Discount

Install smart devices that detect water leaks, smoke and more to get a discount through the USAA Connected Home program.See note11

Protected Home Discount

Save up to 5% on your premium if you have a monitored fire alarm or monitored home security system.See note12

Claims-Free Discount

Save up to 15% after five years without a claim.13

Perks for homeowners

For the past five years, USAA members have saved up to $276 million when they shopped everything from travel and fitness to home solutions, car care and more.See note14 Here are some ways the USAA Perks® program can help you save around your home.

What do I need to get a quote?

You'll need to have some details about the home you're insuring, such as square footage, year it was built, foundation and roof type, what the outside is made of and types of finishes, like counters and flooring. For your convenience, some details about your home's characteristics might be prefilled using publicly available data.

Get a homeowners quote

More protection where you need it most

Home insurance is a good first step when it comes to protecting yourself, your family and your property. These other policies add more coverage and are worth the cost for many people. They help fill in coverage gaps and provide extra protection.

Flood Insurance

Most standard homeowners policies don't cover floods. You may want to consider a flood policy, even if you don't live in a flood-prone area.

Learn about flood insurance

Umbrella Insurance

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

VPP Insurance

Our Valuable Personal Property, or VPP, policy provides more protection for items like jewelry, smartwatches, guns, cameras, musical instruments and more without a deductible.

Homeowners insurance FAQ

More information on homeowners insurance