USAA offers its homeowners policies to current and former members of the U.S. military as well as some of their family members. Homeowners insurance policies from USAA include both identity theft coverage and replacement cost as part of the standard policy. Most of the companies in our rating offer identity theft coverage only as an add-on option.
USAA sells its homeowners policies in all 50 states, which not all of the companies in our rating do. It has several discounts available for things like being claim-free, having an impact-resistant roof, a good payment history, and bundling multiple policies, such as homeowners and car insurance.
Read more in our full USAA review.
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