USAA Group - Home

Pros: Inexpensive, quality service
Cons: must be affiliated with military or another member

USAA home insurance is the best insurer I have dealt with.

Coverage
You can get all the basic coverage. I have homeowner and earthquake on a house worth $330,000, with a “rebuild” value of $142,000. USAA determines rebuild by...

Pros: Inexpensive. Solid coverage. Great service.
Cons: Check the home page to see if you qualify.

When I bought a house, I decided to go with USAA home insurance. The service is rated high, and I’ve had USAA car insurance for 24 years. Best of all, USAA has some of the lowest prices for the coverage offered.

USAA financial...

Pros: Competitive rates, One stop banking & insurance
Cons: No local branch offices, claims must be called in

When they first began doing business in 1922, USAA was open only to Officers and their spouses and children. Years later, USAA had an eye opening break through idea. In this they realized two IMPORTANT things. 1.There are a LOT more enlisted ...

Pros: Excellent service, low prices, pays claims quickly and fairly
Cons: You may not be eligible

Then it just gets better!

I recently “rolled-off” my parents’ USAA auto insurance policy. Consequently, my stuff (and I) were no longer covered under their homeowner’s policy. After (admittedly) not much thought, I went with...

Pros: One stop shopping for all your insurance needs
Cons: Gradual decline in performance and customer service

Am an active duty Commander in the US Navy. Have been with USAA for almost 20 years. During this time they have been providers of my homeowners insurance, flood insurance, automobile insurance, and boat insurance. Have even utilized their investment and...

Pros: Great rates, exceptional customer service, fast claims response, money back yearly
Cons: Limited Eligibility

I selected USAA insurance when I first rented an apartment. My experience with their auto insurance was great, and their rates were the best I could find. I even went to the Metropolitan kiosk in the mall, and the agent there asked who was currently...

Pros: Great Rates
Cons: Limited Elligibility and Questionable knowledge of coverages

I am writing this review on behalf of a client of mine that just got handed a $3,000 bill and was to ...

Pros: None Even if you were an officer, as a woman, you're dogmeat to USAA!
Cons: Rips off women! Double standards rule! An organization of men, by men, for men.

OK, I got started! Stand by for heavy rolls! After years of faithful payments, I was treated shabbily by USAA. They not only tried to gouge me, like some fly-by-night outfit, they even flat-out lied to me! I have NO use for liars or any outfit ...

Pros: Friendly, helpful agents, claims easily filed
Cons: must be attached to military in order to qualify

Long ago, my father was in an insurance pool. Through that pool, he was able to get auto insurance through USAA. He had insurance through them for 3 years before the pool switched him. He loved the insurance, but was unwilling to join the military in...

Pros: Service, convenience, variety of products & price
Cons: Not a darn thing!

USAA is such an amazing insurance company that it's scary. It was created for the special problems and needs of the military. Active duty military frequently move around the country and even to foreign bases. Trying to deal with regular insurance...

Pros: Outstanding service
Cons: None

This is a re-post of my original posting under Homeowner's Warranties. I posted this in the wrong subject area inadvertantly, and due to many comments to that effect, have reposted it here:

This is not so much a pitch for the value in buying...

Pros: Prompt, fair claims and reasonable rates
Cons: None to speak of

My family has had various forms of USAA insurance for decades, ever since my father serve a stint as an officer in the Air Force. Currently, we have USAA insurance for both our home and our cars, although we only added the cars recently. It is too bad...

Pros: Very good insurance company. I have my house and my cars through this company.
Cons: Someone in family must be associated with the military.

My father was in the military during college and he had USAA insurance for as long as I can remember. I was able to join and get an insurance policy because I was a dependent. I have insured my car through USAA and now that I am closing on a house in a ...

Pros: the best prices you can find for just starting out in the military
Cons: none so far

I've had USAA for almost 2 years now. They are by FAR the best insurance I have ever had. My parents are retired military and when my husband joined the army they told me about this GREAT company that could save us hundreds. I didn't think they were ...

Pros: They finally did their job when forced to by a lawyer.
Cons: To get them to do their job it took a lawyer.

My husband and I are both active duty Marines. While in DC to run a marathon, our rental vehicle was hit while parked in a hotel valet loading zone(we did not park it--the hotel valet did; we were waiting to enter the vehicle), and neither of us were in ...

Pros: great service, great deals
Cons: none

I selected USAA for renter's insurance because of the great deal that they have given me while I was finishing up setting my auto insurance account.

The friendly representative asked me if I would be interested in a special offer--I really...

Pros: affordable, excellent service, very nice customer reps
Cons: must have been in the military or have parent or spouse who was in the military

While not in the military I have USAA insurance through my father - and I will do just about anything to keep it.

I was in a car accident when I was 16 (and covered by USAA). My car was severely damaged, and the other car barely had a...

Pros: Great Customer Service and Price
Cons: Eligibility requirements

USAA is a wonderful company. I have been a member for more than 8 years now. They have really good customer service and the rates are the lowest I've found.

I use them for my Renter's (also auto) Insurance. I have never had any problems...

Pros: Spectacular customer service and great rates to boot!
Cons: Only military personnel and dependents can be members.

When it comes time to choose and Insurance provider, most of my friends look at their insurance agents with a little disdain. I know a lot of folks who have encountered problems with their insurance companies when it comes time to make a claim. I have...

Pros: Low rates, exceptional service, great website, annual distribution of profits among members.
Cons: Limited eligibility

My father has held policies with USAA for as long as I can remember. I have held a USAA auto policy for 13 years, and a USAA homeowners or renters policy for 10 years. They are one of the most efficient, well-run companies in the Fortune 500, and I...

Pros: service, price
Cons: none

A former colonel of mine explained that while USAA is not always the absolute cheapest insurance, it's in the top 5 or so. Still, you'd need a different insurance company each time you got a different house/car/life, because there is no single cheapest...

Pros: Good Rates. Excellent customer service.
Cons: Limited eligibility.

I started with USAA auto insurance in 1976. The service and rates were so good that I automatically went with USAA when I purchased a home.

I cannot tell you how much comfort it was to have USAA behind me when my pipes burst while I was...

Pros: can't think of a single one
Cons: don't return phone calls, manipulate your vulnerabilities, terrible service with attitude and back talk.

I actually had to file a fire loss on my homeowners' policy, whereas most of you just like your rates. They have so many hidden rules/policies/procedures and they act like you should know them all. Like your house burns down every year or something. ...

Pros: 800#, no agents
Cons: after 7yrs and no claims - they double my premiums to show their appreciation

loyalty is a one way street w/ these folks. after 7 yrs w/ no claims my premium went from $356 to $693 this year. when I called they provided no reason and basically told me to take it or leave it. well, I choose to leave it. I went to Armed Forces...

Pros: Customer service when you don't have a claim. Value for the money?
Cons: Contracts out their adjusters and you never talk to the same person twice.

We've been with USAA for almost 20 years and have had great service until now. We recently had several trees fall on our Maryland house and USAA took more than a week to come out and survey the damage (The adjuster wanted two weeks to come out, but I ...

Pros: They sell themselves to the military...
Cons: ...they will not support troops who are on high deployments

Once they found out I was the single owner of my home and was on deployment after deployment they re ...

Pros: A lot of options in one business
Cons: Their service has deteriorated so much, I wonder if this is still USAA?

When I started with USAA in the early 80s they were the best of the best. But lately they have concentrated only on getting bigger, with no emphasis on staying better. What a shame to see how far this company has fallen in their shameless pursuit of...

Pros: Cheap rates
Cons: Will not pay legitimate claims

USAA failed to pay 2 claims in the 16 years we have had them. The first one was for sump pump damage. USAA claimed we needed flood insurance for coverage. Since then our state requires insurers to cover this damage.
Also we had 2 major hail...

Pros: great price
Cons: may not cover everything indicated in your policy

We had a little accident on the carpet in our home and a iron was dropped by my sister when she was visiting and it burned the carpet. I contacted USAA and they told me I was covered for the damage less my deductable. I was instructed to cut out a...

Pros: Low rates
Cons: LOWSY service and even worse atitudes.

I am very unhappy with USAA. On March 29 my dishwasher broke and leaked, ruinned my kitchen floor,master bath floor, small bath floor and basement ceiling. I filed the claim with USAA that night online. I called a clean up contractor the next day. It ...

Pros: Awesome auto insurance, banking, credit cards
Cons: Property insurance

Here's something to think about before you go with USAA on property insurance... The deductable is 1% of the coverage amount. Doesn't sound like much, but here you go. If your house is covered at $250,000 then your deductable is a whopping $2,500! And that is per-claim! I recently had a big tree fall over from a storm. Cost to have it cut down and removed $1,500. Cost out of my pocket...$1,500! The only way this insurance will ever pay is if there is major, major damage to your house. Hail storm? You will pay to replace your roof. Drive way blow up? You will pay to replace your driveway. Kids come by and set your wood fence on fire? You will pay to replace the entire fence. The only way you will get any money out of this policy is if your house burns down or is destroyed in a tornado. Something to think about, other insurance companies have much lower deductables. Check it out. Auto insurance, and other services are awesome. Property insurance with USAA seems to be a scam....

Pros: None that I can think of
Cons: Employees are rude and unhelpful, no local agents or adjusters, slow service

I have been a USAA member for auto insurance since 1975 and was very satisfied with their prices and service, so a couple of years ago I switched my homeowners insurance to USAA too. This has turned out to be a major mistake. From my experiences with them over the past year or so, I have found that USAA is only interested in taking your money, and when you have a problem their employees are unhelpful to the point of rudeness. After hurricane Ivan last year USAA arbitrarily changed our deductible to 1% of the value of the home, and increased the policy premium. This is in Montgomery, Alabama not on the coast. We recently put our house on the market and after the home inspector said that there was evidence of hail damage the potential buyers asked that we have USAA check the roof. We asked USAA to look at it over two weeks ago, and they have delayed and dragged their feet on it until the closing on the house has had to be postponed. In my opinion USAA is still OK for auto insurance, but I would recommend avoiding them for homeowner's.

Pros: Great sales pitch based on historical (more than 15 years) performance.
Cons: Just another money grubber now.

I have USAA home and auto policies.  When needed, USAA has failed to render that "service" on which we're sold.  For example, I was strongly suggested to use their recommended repair facility instead of a reputable outfit in town.  When USAA's repair facility took too long to repair my vehicle, at USAA's demand, I pay for the additional rental though rental was part of my fully paid coverage!  USAA wrongly withdrew money from my checking account causing bounced-check fees to amass.  Though I explained the situation, USAA didn't return my money until weeks later after they "reviewed the tape" (whatever that is).  Money was returned but not fees and never was there an apology.  On Christmas Eve, I'd left my checkbook at home but had my USAA Mastercard.  With a credit limit approaching $20,000 and a payment of $4,000 in the previous month, I had no worries until my charge was declined.  Christmas Eve, too late to get my checks, no presents for my family.  USAA's response?  "I understand, I'm sorry."  Well, me too, except I'm not lying.

Pros: Some agencies rate their service as great
Cons: MAJOR hassles, different person each time you call, rates are high, timing is unreasonable.

My family has been with USAA for upwards of 40 years. Five years ago when I bought a house, I wanted to go with USAA but they would wanted me to do their work for them. Switch to today when I bought a new house and decided to give them another try as they have been bugging me to switch.

I close on Wednesday. Today, Monday, they inform me they won't insure my home unless I buy a new roof. Although there is not a problem with the current one and the current homeowners pay $750 year, the "great" USAA wants me to pay $1150, buy a new roof (in a matter of 2 days) and have a deductible of $1800.

I have perfect credit and have never had a claim.

Pros: Great Car insurance, don't use them for your house
Cons: The are 25% higher than most other insurance companies in my area

I have used USAA for the past 14 years for my Home and Auto Insurance. This past year, USAA has decided that I was under insured and raised the replacement cost coverage on my house by $18,000 in May 2004 while I was deployed. That raised my premium by 22% in one year. However that wasn't good enough, 3 weeks ago they called me during dinner because that had some questions about my house. 1. Question do you have walls made of dry wall 2. Do you have floors, some pine, some tile, some vinyl. Do you have a roof, yes with 30 year shingles. Oh, well you need to raise your replacement coverage by another $100,000 and your annual premium is now doubled !!!
Oh, I live in Delaware, not Florida. I'm moving my insurance to Armed Forces Insurance Exchange. Sorry, USAA is off the hook.

Pros: price, price, price, and service!
Cons: you have to be eligible to be a member

I am a loyal member and always assumed I had the best deals through them. When I bought my last house I thought I would go ahead and do some comparing. Wow. I couldn't believe just how good I have it. Great prices, great service. Can't imagine doing business with anyone else.
check out their website to see if you are eligible (usaa.com)

Pros: Low rates
Cons: Poor (that's an understatement) customer service, no continuity.

As a 13-year USAA member, I am cutting all ties with them. They were great with auto insurance in the early years, but now are poor. My mortgage experience in 2000/2001 was a life-changing awful event (at the fault of their branding to PHH). This year's homeowners policy woes are the last straw. Customer service? Not anymore. They are too big and no longer care about their "USAA Family." I even had a "manager" call me to discuss why I was canceling everything with them. He agreed that everything I said was true, and they simply cannot provide the level of customer service that they used to. Amazing! An attack of conscience?

Pros: None
Cons: USAA

They don't care about customer service or customer loyalty for that matter.  Was a loyal customer for 12 years.  6 years after a credit hiccup we were told to get lost.  6 years people.  I will no longer recommend this company to ANYONE (unless I dislike them).