USAA secured a close second place for Best Overall due to its exclusive availability to military members and their families. Despite this limitation, USAA remains a highly reliable choice.
Founded in 1922 by a group of 25 Army officers who aimed to self-insure their cars, USAA has expanded to offer a range of insurance and financial products for members of the U.S. armed forces, Reserve, veterans, and their families. Headquartered in San Antonio, they also have offices in various U.S. locations, as well as in London, Frankfurt, and Luxembourg.
USAA’s standard home insurance policy provides valuable features like replacement cost coverage for personal belongings and coverage for uniforms of active-duty and deployed service members. Optional insurance coverage for events such as earthquakes and home-sharing may also be available.
Eligible members can conveniently purchase USAA insurance products online using their active membership ID, through phone assistance, or by visiting a local branch.
USAA prioritizes customer convenience by offering an automated agent chatbot on their website, allowing easy access to online accounts. Through the online platform, policyholders can manage tasks such as bill payments, policy changes, and claims. It’s important to note that USAA holds an excellent A++ rating from AM Best, indicating the highest level of financial strength for insurance companies.
Average premium for USAA home insurance in Orlando: $140/month