How the claims process works
Tell us what happened. You can start by using our property loss checklist.
Report a claim by using the USAA Mobile App or visiting our claims center. We’ll review your coverage, check out the damage and once we approve the claim, we’ll send your payment.
Why was I asked to complete a home inspection?
Your policy helps cover your costs to rebuild your home in the event of a loss. But if you make upgrades to your home, you may need more protection.
A property inspection will help us estimate the minimum rebuild cost for your home.
If you make upgrades to your home, you'll also need to update your home details on your Homeowners Policy Summary.
What happens when my homeowners policy renews?
We’ll take care of it for you and send your new policy declarations page within 30 days of renewal.
It’s important to review your renewal documents and your deductible, coverages, and home characteristics. Keep in mind that changes to these details could impact your premium.
If you’re not sure your current policy is a good fit anymore, make sure to review your options before you cancel your homeowners insurance.
If you have another active primary property policy with us, you can cancel your homeowners policy online. Otherwise, call 800-531-USAA (8722).
Using homeowners insurance FAQ
Yes, if you want more coverage for items like electronics, jewelry or guns, consider these options.
USAA Technology Coverage Endorsement:
This helps protect electronics from drops and spills with a $250 deductible. To add it to your policy, select “Update Coverage” on your Homeowners Account Summary.
Valuable Personal Property, or VPP, policy:
There’s no deductible, and you get extra protection for high-value items like jewelry, guns and smartwatches. It’s separate from your homeowners policy and may be bundled for extra savings. Learn more about VPP insurance.
Cell phone coverage:
This can provide extra protection for drops, loss or theft with ProtectCELL®. Learn more about cell phone protection.
Yes, we need the most up-to-date information to establish the minimum replacement cost of your home.
You can review and update your current home characteristics and coverage by going to your homeowners account summary.
You may also need an inspection to determine the amount of coverage you need after a home upgrade. You can either:
- Do it yourself online with a virtual self-inspection.
- Request us to do it for you with an in-person inspection.
Regardless of upgrades, you should review your policies and deductibles every year.
You may be eligible for discounts by bundling homeowners and auto insurance, staying claims-free for at least five years, having home protective devices, and meeting other conditions.
You can also save up to 7% on your homeowners premium with a Connected Home discount .
Learn more about USAA Homeowners Insurance discounts.
You can also take the following steps to help prevent losses:
- Lock all doors and windows and use a security system when away from the home.
- Trim trees so they don’t grow over the roof.
- Turn off your water when leaving home for an extended period of time.
Learn more about seasonal home maintenance.
Yes. You can get a discount for protecting your home. But the discount applies to monitored security alarms. You can monitor it yourself or pay for a service that does it for you.
To see if you already have a discount for a home security system, select the Discounts and Savings tab on your homeowners account summary. You’d see a Protective Device Credit discount applied.
If you don’t see that credit and you have a monitored security system, select Update Home Characteristics on your homeowners account summary.
Then fill in your security system information. The update will take 24 to 48 hours to appear on your account summary page.