
Why USAA made our list: USAA consistently ranks among the best homeowners insurance companies in the nation. The biggest downside is that coverage with USAA is only available to active-duty military, veterans and their qualifying family members. The company’s claims satisfaction and overall customer satisfaction with J.D. Power consistently ranks at or toward the top of the list, although it is not officially ranked due to its eligibility requirements. Standard homeowners insurance covers most weather-related events common to Missouri, although it’s important to note that flood insurance must be purchased separately. If the policyholder makes no claims in five years, it’s possible to earn up to 10 percent off policy premiums.
Who USAA may be good for: If you are stationed at Whiteman AFB, Fort Leonard Wood or any other Missouri military bases, USAA may be a good option. It offers unique coverage options geared specifically towards the military, such as insurance for your uniforms.