USAA came in a close second for Best Overall, primarily because it’s exclusively available to military members and their families. However, that doesn’t take away from the fact that USAA is still a highly reliable choice.
Founded in 1922 by a group of 25 Army officers who wanted to self-insure their cars, USAA now offers a range of insurance and financial products for members of the U.S. armed forces, Reserve, veterans, and their families. Their headquarters is located in San Antonio, and they have additional offices in various U.S. locations, as well as in London, Frankfurt, and Luxembourg.
USAA’s standard homeowners insurance policy provides valuable features such as replacement cost coverage for personal belongings and coverage for uniforms of active-duty and deployed service members. They may also offer optional insurance coverage for events like earthquakes, home-sharing, and condo insurance. In addition, if you’re looking for flood protection, you will need to get flood insurance separately with the NFIP.
Eligible members can conveniently purchase USAA insurance products online using their active membership ID, through phone assistance, or by visiting a local branch.
To enhance customer convenience, USAA offers an automated agent chatbot on their website, allowing easy access to online accounts. Through the online platform, policyholders can manage various tasks such as bill payments, policy changes, and claims. It’s important to note that USAA has an excellent A++ rating from AM Best, indicating the highest level of financial strength for insurance companies.
Average premium for USAA homeowners insurance in Pensacola: $168/month