ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Review of USAA Home and Auto Insurance

Updated on October 3, 2019
Kenna McHugh profile image

Kenna worked on an extensive insurance program helping consumers understand the pros and cons of auto and home insurance companies.

Military personal and their family need insurance.
Military personal and their family need insurance. | Source

USAA Insurance Review and Quotes

USAA provides home and auto insurance for active military members, veterans, including their families. Their customer service offers a wide selection of insurance coverage and scores high in customer approval. Members may set up retirement plans, bank, and invest with USAA.

USAA Car Insurance Coverage Options and Discounts

Car insurance coverage through USAA generates insurance quotes based on these options:

Coverage options: USAA provides auto insurance coverage with a variety of options and discounts to its members.

  • Rideshare – Covers Uber or Lyft drivers when they log onto the rideshare app and wait for a customer request.
  • Comprehensive coverage - Pays for damage caused by any incident excluding a collision or rollover, includes damage because of theft, vandalism, fire, flooding, and hail.
  • Collision coverage - Pays for damage to the car resulting from a collision or rollover no matter who is at fault.
  • Liability coverage – The coverage combines options including bodily injury, uninsured motorists’ coverage, including property damage. Liability offers to parts of coverage, which are bodily injury and property damage.
  • Rental reimbursement – Your option for a rental car during the time your vehicle is under repair because of an insurance claim.
  • Accident forgiveness – Your family remains accident-free for five years. Your premium will not increase when one at-fault accident happens.
  • Roadside assistance – The service when your vehicle breaks down, need a tow or repair the vehicle. The services include tire change, deliver gas, or unlock your vehicle.

USAA offers veterans benefits and savings.
USAA offers veterans benefits and savings. | Source

Available Discounts

  • Safe driver – An excellent driving record is good for over five years.
  • Defensive driving – Take a driving skills course approved by USAA.
  • Driver training – Any driver under the age of 21 who completes a standard driver training course.
  • Young Driver - Drivers younger than 21 can complete a basic driver training course.
  • Good student – Students who drive and uphold good grades.
  • New vehicle – New car is not over 3-years old.
  • Multi-Vehicle – There is more than one car under insurance coverage.
  • Annual mileage – The car drove low-mileage in a year.
  • Vehicle storage – Up to 60% discount while the insured car is stored.
  • Bundle – There are discounts available when combining auto and home insurance coverage.


Source

Home Insurance Coverage and Discounts

USAA insurance customer service helps you get your life moving in the right direction with homeowner’s insurance. It covers home and personal belongings without factoring in depreciation:

Coverage options

  • Fire - Helps the cost of reconstruction of property, repair, and replacement.
  • Theft – Covers burglary, replacing lost or stolen items, and any damage to the property like forced entry.
  • Vandalism – Covers spray painting, egging property, slashed tires, broken windows, tapering with plumbing, and destroying property in general.
  • Most weather-related events – Helps the cost of damage caused by hail, rain, wind, lightning, and tornado.
  • Liability – Whether you or someone else on your property gets hurt, the protection is in place.
  • Identity theft – Help the costs of trying to reinstate your identity and repair your overall credit.
  • Home Sharing – Renting out a room or sharing your house, if anything happens to you or your home.
  • Military uniforms – Lost or stolen uniforms covered while deployed or on active duty.

Available Discounts

  • Home location – Check and see if your home’s location lowers your premium.
  • Home construction materials – Materials used to build the house like steel or brick could lower the premiums, including sprinkler systems, security systems, and bolt locks.
  • Military affiliation – Active duty or veterans received discounts.
  • Continued USAA loyalty — Retaining multiple USAA products and uninterrupted coverage.

USAA Ratings, Reviews, Customer Satisfaction, and Complaints

The Better Business Bureau gave USAA a score of B- (A+ highest to F the lowest) because of government actions placed against the insurance company. Customer Reviews gave the company 1.25 stars out of 5 with complaints about product and service where the settlement payment did not arrive or very late.

Consumer Affairs reports USAA received positive reviews for customer service and online rating with 1.25 stars out of 5.

Reasons Why USAA Is a Great Option

Who is this insurance company best for?

USAA membership allows only military members and retirees, including active duty, guard, officer candidates, reserve, military veterans, and family members.

Rates appear competitive because of limited memberships – only military.

The company offers advice on family matters to military life. All USAA insurance claims available for direct deposited for members who bank with USAA.

Additional Policies Offered by USAA

USAA includes insurance for life, renters, rental property, boat, RV, and motorcycle.

© 2019 Kenna McHugh

Comments

    0 of 8192 characters used
    Post Comment
    • Kenna McHugh profile imageAUTHOR

      Kenna McHugh 

      8 weeks ago from Northern California

      I watch the commercials while working out at the gym. I don't hear what is being said, but yes, they look professionally made.

    • Angel Guzman profile image

      Angel Guzman 

      8 weeks ago from Joliet, Illinois

      I see the commercials and they look like they do great work.

    • Kenna McHugh profile imageAUTHOR

      Kenna McHugh 

      2 months ago from Northern California

      Chuck, My mother's third and last huband was in their navigator program and joined USAA. I was grandfathered in their banking service. I have no complaints.

    • Chuck profile image

      Chuck Nugent 

      2 months ago from Tucson, Arizona

      This is a very informative Hub. Having joined USAA over 40 years ago when I was a newly minted 2nd Lieutenant in the Air National Guard on temporary active duty training to be an air navigator, I am very familiar with their services. I have had their car insurance since I joined and homeowners insurance since I brought my first home. While I have had very few claims I have always been very satisfied with the service I received on them One of the great side benefits I have found is the fact that, whenever approached by an insurance agent offering car or home insurance all I have to do is say "I have USAA" and they shut up instantly.

    working

    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, hubpages.com uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at: https://hubpages.com/privacy-policy#gdpr

    Show Details
    Necessary
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the googleapis.com or gstatic.com domains, for performance and efficiency reasons. (Privacy Policy)
    Features
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Marketing
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Statistics
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)
    ClickscoThis is a data management platform studying reader behavior (Privacy Policy)