Why USAA made our list: Although its eligibility restrictions preclude it from official ranking, USAA earned the highest J.D. Power score for customer satisfaction. For those eligible to become USAA members, the company is often one of the most affordable California homeowners insurance companies. It also has unique options beneficial to active-duty military members, like coverage for uniforms damaged in a covered loss.
Who USAA may be good for: If you are affiliated with the military or a qualifying family member, USAA could be a good choice. The company offers low average rates and coverage options tailored to military families.