Property and Casualty Insurance Group

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 strength^{See note1} 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

Note 1 As 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).

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.

The National Flood Insurance Program is not underwritten by United Services Automobile Association (USAA) or its affiliates based in San Antonio, Texas, and is provided by USAA General Indemnity Company (USAA-GIC), through an arrangement with the Federal Emergency Management Agency. The Federal government has financial responsibility for underwriting losses. The National Flood Insurance Program USAA-GIC is not available in Guam, U.S. Virgin Islands, Puerto Rico or overseas.

The typical homeowners or rental property insurance policy doesn't include flood coverage, and in some locations, you may also need to obtain a wind-only insurance policy. Flood insurance can be purchased separately through the National Flood Insurance Program. The maximum limits of coverage available on the federal flood policy for residences are $250,000 on the building and $100,000 on contents. If you need additional flood insurance coverage beyond these amounts, you can contact USAA Insurance Agency which works with other insurance companies that provide excess flood coverage. Private flood coverage is not affiliated with the National Flood Insurance Program.

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.

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Operating Companies