USAA Insurance offers auto and home insurance policies to active duty military members, veterans and their families. In addition, USAA also provides business, life and financial services.
USAA car insurance rates are lower than average, and offer benefits such as accident forgiveness and roadside assistance. They have also received top marks in customer satisfaction from J.D. Power 2024 U.S. Auto Insurance Study.
Auto
USAA Auto Insurance stands out with excellent coverage, competitive rates and discounts that make them stand out among their competition. Their customer service was also exceptional; earning it near the top in our J.D. Power 2024 Car Insurance Study for overall customer satisfaction. USAA provides standard auto and home coverage like liability, comprehensive and collision. Plus they have some less common options such as stored vehicle coverage (which can reduce rates by half while your car is stored), loss of use coverage that covers increased living expenses in case your home becomes uninhabitable after an insured event; plus loss of use coverage which covers increased living expenses should your home become uninhabitable after such an event occurs.
USAA also provides a pay as you drive option that uses an app to track driving behavior and reward safe drivers with reduced car insurance premiums. This usage-based insurance can be found in Arizona, Colorado, Georgia, Illinois, Indiana, Kansas, Louisiana, Maryland Michigan Missouri Montana Nebraska Ohio Pennsylvania Texas Virginia and Wisconsin. In addition, USAA also provides rideshare policy coverage when driving for companies like Uber or Lyft.
Reddit and Quora users often express displeasure with USAA due to its high rates and stringent eligibility requirements, while others praise its competitive rates, good customer service and convenient mobile app for checking balances and paying bills.
Home
USAA provides home, car and property insurance as well as banking products at competitive rates, boasting outstanding customer satisfaction ratings. In our 2023 auto evaluation it ranked highest overall; for homes it placed in the top half. Furthermore, USAA stands out thanks to a robust mobile app and received high scores in our Digital Experience category, which measures how easy it is to obtain quotes, submit claims or track coverage information.
Homeowner policies from our company provide coverage for the structure and contents of your home as well as personal belongings such as furniture, appliances and electronics. Liability protection is also offered. Comprehensive car coverage helps cover damage due to events outside your control such as hailstorms or fallen tree branches; many lenders require such coverage on cars they lease or finance – it may even be beneficial even after paying off your vehicle!
Reddit users applaud USAA for its financial strength and competitive pricing; Quora users have reported many frustrating experiences with claims and service delivery issues. Both platforms allow for candid dialogues with potential customers as they gain a clearer picture of each company they may want to work with.
Life
USAA provides life insurance policies at lower-than-average rates to active service members and veterans and their families, with financial advisors available to provide guidance through your options. In 2024 J.D. Power auto and home insurance studies, this company also performed above its regional average for customer satisfaction ratings.
USAA car and home insurance rates are on par with national average, while its home coverage costs are 3% less than average. Policyholders enjoy many perks that USAA provides such as replacement cost coverage on personal property as well as no deductible on claims related to damaged or lost items owned during military service.
USAA provides banking products such as checking and savings accounts, loans, and credit cards for checking, savings accounts, loans, and credit cards. In addition, USAA also provides specialty vehicle insurance for motorcycles, ATVs, classic or antique cars as well as motorcycles through its Snapshot program that rewards drivers who follow good driving practices with discounts; its mobile app boasts high ratings in both App Store and Google Play.
USAA contracts with third-party insurance companies to deliver its insurance products, with USAA Alliance Services LLC, doing business as USAA Insurance Agency selling and marketing these products on their behalf. USAA does not assume responsibility for these products or services offered by these providers and cannot ensure their availability or suitability; compensation from them may be awarded depending on volume generated from USAA Insurance Agency business.
Business
USAA business insurance is available to those who meet membership qualifications, such as active duty military members, veterans, precommissioned officers and their spouses. They offer commercial property, general liability, business income and rideshare coverage for drivers of services like Uber or Lyft as part of their businesses.
USAA’s business owners policy simplifies insurance by bundling three essential coverages together: general liability, commercial property and business income coverage. Business income coverage pays for lost profits after a covered loss occurs while general liability covers incidents that cause injury or damage to customers such as accidentally breaking their tooth during dental cleaning or making mistakes on employee tax returns.
Home insurance that reimburses repair costs at replacement cost without taking depreciation into account and home warranty plans that offer discounted plumbing, electrical, roof, and gutter repairs are among other perks available to small business owners. Furthermore, USAA home policies don’t impose deductibles for items owned by an insured that are used while conducting their business activity such as uniforms or body armor – making their services invaluable additions.
USAA customers’ opinions of its products and services vary significantly online, with many applauding its financial stability, competitive rates and experience in handling claims; others criticizing long hold times, inefficient service delivery or premium increases over time.
