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For the full reviews, read our USAA homeowners and car insurance page. That being said, USAA does offer a discount for military members, something not all insurers offer. According to our analysis, the overall discounts offered aren't as high compared to other competitors in our rating. ![]() ![]() It also includes replacement cost coverage for personal belongings. USAA's standard homeowners insurance policy includes uniform coverage for active-duty and deployed service members. Identity theft protection is also included, unlike some competitors. The same goes for its homeowners insurance policies. The insurer offers all of the standard coverages for its auto insurance policy, as well as common discounts such as for maintaining a clean driving record. Membership to USAA is reserved for qualified members of the military and their families. ![]() While available nationwide, USAA’s auto and homeowners insurance policies are only available to its members. Bundling Discount Up to 10% USAA earns the highest financial strength rating available for insurance companies: an A++ from AM Best.
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