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. ![]()
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