Does USAA homeowners insurance cover floods?

No. Flooding and earthquakes are both standard exclusions on a USAA homeowners policy, and wind damage can also be excluded in certain high-risk zones. Flood insurance, earthquake insurance and windstorm insurance are all available as separate add-ons. Anyone in a coastal or flood-prone area should confirm which of these they need before comparing prices across insurers.

What does USAA's identity theft coverage include?

USAA builds identity theft insurance into its standard homeowners policy at no added cost, up to $5,000. That's a meaningful inclusion since many competing insurers sell it only as a paid add-on. Ask USAA directly what expenses the $5,000 actually reimburses, since coverage details like this are worth confirming before you count on it.

USAA Homeowners Insurance Review: Coverage & Discounts

Q: Is USAA insurance good for homeowners?

For members who qualify, yes. The standard policy covers six core areas, from dwelling to personal liability, and adds identity theft insurance up to $5,000 at no extra cost. The real limits are eligibility and the standard exclusions for flooding and earthquakes, so the answer to "is USAA insurance good" depends heavily on whether you can buy it and what your property is exposed to.

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What to Know

A standard homeowners insurance policy from USAA covers your dwelling, other structures, personal property, loss of use, personal liability and medical payments, plus identity theft insurance. It doesn't offer standalone flood insurance but directs policyholders to the National Flood Insurance Program (NFIP). Some parts of the country are eligible for an earthquake coverage add-on.

As with most other USAA insurance products, active-duty members of the military, veterans, and their families can sign up. USAA life insurance is available to anyone.

Discounts: 7
Online Quotes
Online Policy Purchase

Available in all 50 states and D.C.

Why We Like USAA

USAA is our pick for the military community, and its standard policy includes identity theft insurance up to $5,000. You can get a quote, buy a policy and file a claim online. Its add-on list is long enough to close most of the gaps the standard policy leaves open.

Pros and Cons

Pros

Available in all 50 states and D.C.
Identity theft coverage included

Cons

Membership required

Solvable's Take on USAA Homeowners Insurance

If you're eligible and already insure a car with USAA, quote your home there first, but don't make it your only quote. Bundling and loyalty are both on USAA's discount list. Flood and earthquake coverage isn't included by default; USAA says policyholders can get flood coverage through the NFIP, and residents in earthquake-prone areas may qualify for an earthquake insurance endorsement.

Windstorm insurance matters if you live in a zone where wind may be excluded. Water backup coverage is for water damage that happens when water comes up through drains or a sump, which a standard policy often treats separately. Extended replacement cost is worth asking about if you think rebuilding your house would cost more than your dwelling coverage limit.

Home-sharing coverage is especially useful to the military community because it covers homeowners who share or rent out their home while they're deployed.

USAA Homeowners Insurance Discounts

USAA lists seven homeowners discounts, including a bundling option. Ask how your claims history and any home security devices you have might affect your rate.

Bundling
Claims-free (5+ years)
Connected Home (smart device installation)
Early quote
Loyalty
Protective device credit (ADT system)
Roof age discount

USAA Homeowners Insurance Coverage

Dwelling

Pays to repair or rebuild the house itself after a covered loss, such as a fire. It doesn't pay for flood or earthquake damage unless you add that coverage.

Other structures

Covers structures that aren't attached to your house, such as a fence, shed or detached garage.

Personal property

Covers your belongings, including furniture, electronics and clothing, when a covered event damages or destroys them. High-value items like jewelry may need valuable possessions coverage to be fully protected.

Loss of use

Pays extra living costs, such as a hotel or rental, if a covered loss forces you out of your home while it's repaired.

Personal liability

Covers you if you're found responsible for injuring someone or damaging their property, including legal costs tied to a covered claim.

Medical payments

Pays smaller medical bills for guests hurt at your home, regardless of fault.

Frequently Asked Questions

Is USAA the only military insurance option for homeowners?

No. Eligible members can buy homeowners coverage from any insurer licensed where they live, not just USAA.

Is USAA insurance good for homeowners?

For eligible members, USAA offers quality homeowners insurance. The company's standard policy covers several core areas, from dwelling to personal liability, and adds identity theft insurance at no extra cost. The real limits are eligibility and the standard exclusions for flooding and earthquakes.

Who can get USAA homeowners insurance?

USAA homeowners insurance is limited to military members, veterans and their immediate family members. Confirm your eligibility on USAA's website before requesting a quote.