USAA emerged as a strong contender for the title of Best Overall Tampa Home Insurance but secured a close second place due to its exclusive availability only to military members and their families. However, aside from this limitation, USAA remains a highly reputable choice across the board.
Founded in 1922 by 25 Army officers seeking to self-insure their cars, USAA has since expanded its offerings to encompass a wide range of insurance and financial products. It caters to members of the U.S. armed forces, Reserve, veterans, and their families. With its headquarters in San Antonio, USAA operates various satellite offices across the United States and even in international locations like London, Frankfurt, and Luxembourg.
USAA’s standard home insurance policies provide valuable features, including replacement cost coverage for personal belongings and specific coverage for uniforms of active-duty and deployed service members. Additionally, there may be options for optional insurance such as coverage for earthquakes, and home-sharing arrangements. However, if you need additional flood insurance, you should look for coverage from the National Flood Insurance Program.
For eligible members, USAA allows the convenient purchase of home insurance products online using an active membership ID, or alternatively, through phone assistance or local branch visits. To enhance customer service, USAA offers an automated agent chatbot on its website, granting quick access to online accounts for bill payments, policy changes, and claims management. Notably, USAA holds an impressive A++ rating from AM Best, denoting the highest level of financial strength available for insurance companies.
Average premium for USAA homeowners insurance in Tampa: $140/month