![]() USAA home insurance has an average annual premium of $2,195, according to information obtained from Quadrant Data Services. You can fill coverage gaps by investing in a home warranty policy. ![]() While homeowners insurance is an important financial tool, it does not provide complete home protection. Unlike a home warranty, USAA home insurance does not cover systems or appliances unless damaged by a covered event. Policyholders in flood-prone areas may also want to consider adding flood insurance to cover water damage, which USAA may provide through the National Flood Insurance Program. For example, the company offers earthquake coverage, home-sharing coverage and protection for valuable personal property items. USAA members can also purchase additional coverage. Identity theft : USAA home insurance includes identity theft protection to help you recover costs associated with restoring your credit if your identity is stolen.This coverage extends beyond the walls of your home, like if someone steals your laptop from your vehicle. Personal property : If a covered event damages or results in a loss of your personal belongings, the personal property portion of your homeowners policy will pay to repair or replace those items.Personal liability coverage may help cover repairs, medical expenses or legal costs. Personal liability : Liability insurance covers costs associated with injuries or damage that occur on your property.Loss of use : This portion of your USAA home insurance pays for some living expenses, like short-term housing and meals, if your house requires repairs after a covered event.A percentage of your dwelling coverage is dedicated to other structures. Other home structures: USAA home insurance includes other structures on your property, such as barns, sheds and detached garages.Choosing full replacement coverage can save you more money after a covered loss. You can choose from actual value coverage, which pays for items minus depreciation, or replacement cost coverage, which pays the full value without a depreciation deductible. Dwelling: This coverage pays to repair or replace your home after a covered loss, such as a fire or hail storm. ![]() USAA home insurance coverage includes the following: USAA’s financial strength, evidenced by its top A++ rating from credit rating agency AM Best, shows it has the means to pay insurance claims. USAA members can take advantage of the following types of insurance: While it does not provide home warranty service, USAA still offers several coverage options to protect your home and belongings.
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