Why USAA made our list: USAA has the highest Bankrate Score on our list, but there is one catch: its policies are only available to active-duty military, veterans and their eligible family members. If you are stationed at the Mid-South Naval Base or Arnold Air Force Base, or you are closely related to someone who is, you could qualify for membership. Discounts are also tailored to military needs, such as those on deployment who store their vehicles or those who garage their cars on a military base. Although USAA does not qualify for official ranking with J.D. Power because of its eligibility restrictions, it did receive a high score for customer satisfaction in the 2022 Home Insurance Study.
Who USAA may be good for: USAA might be a cost-effective choice for anyone who needs coverage that is geared toward the military. The company's homeowner policies, for example, feature coverage for uniforms.