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USAA Vs Nationwide Homeowners Insurance

USAA

USAA

  • Available to active military members, their families, and veterans

  • USAA is often less expensive than comparable plans from other insurers

  • The company’s customer reviews are some of the best in the industry

  • USAA offers coverage in all 50 states

About

USAA is a financial services company offering insurance (including car insurance), banking, auto loans, mortgages, and more. Though it operates in all 50 states, the company’s products are only available to active service members, veterans, and their families.

Despite that, USAA is usually one of the least expensive options in a given category. Additionally, military members can receive additional benefits, including uniform coverage, deductible-free options for some policies, and up to $10,000 in coverage for belongings destroyed in war.

Features and Benefits

USAA’s limited availability may be frustrating for some, as the company’s benefits and costs are often some of the best. That said, its focus on the military gives it the ability to offer bonuses others can’t, including coverage for military uniforms and personal items destroyed during a deployment. USAA also has far fewer customer complaints with regulatory agencies than others in the industry.

Other Insurance Types Available from USAA

USAA offers several types of insurance, including auto, motorcycle, ATV, RV and motorhome, boat, bike and e-bike, and more. The company also covers classic and collector cars, and it offers a pay-as-you-drive program. Customers can also get life insurance coverage, long-term care insurance, umbrella coverage, pet insurance, travel insurance, personal cybersecurity coverage, and more.

Review

USAA might not have as many regulatory complaints as other insurance companies, but the company has amassed an array of reviews that range from glowing to extremely angry over customer satisfaction and other issues. That said, the company scores well by our judging criteria, earning a 9.2 out of 10 points, which is enough for a spot in our review of the best home insurance companies.

Nationwide

Nationwide

  • Coverage available in most states

  • Several policy types are available

  • Multiple discounts offered

  • Add-ons available for flood, valuables, earthquake coverage, and more

About

Nationwide is a top home insurer in the United States. it also lands in our review of the best home insurers. Available in most states other than Alaska, Hawaii, Louisiana, and Oklahoma, the company offers coverage options for homes, autos, life, and businesses. It has been in business for nearly 100 years, has fairly solid customer service reviews, and currently holds an A+ rating with the Better Business Bureau. Customers have access to a broad range of discounts and add-on coverage that make it easier to get a better price and specific coverage options.

Features and Benefits

Nationwide offers coverage for almost any homeowner and situation, though it does not operate in Alaska, Hawaii, Louisiana, and Oklahoma. Despite that, policyholders can get discounts for having multiple policies, paying in full, and in many other situations.

Add-on coverage includes replacements for belongings, roof replacements, water backup and flood coverage, service line coverage, identity theft protection, and more.

Other Insurance Types Available from Nationwide

Nationwide’s insurance offerings include several non-homeowner options, including vehicle, business, and personal. Businesses can get vehicle coverage, general business liability protection, and more, while individuals can purchase life insurance, pet coverage, travel insurance, and other policies. Nationwide auto insurance is also one of the more popular options on the market.

Review

Like many national companies, Nationwide has received a range of reviews, including very negative and glowing endorsements. Trusted Company Reviews rated the company 8.6/10 with a Very Good designation. We found that its claims satisfaction, online tools, multiple policy options, and other insurance offerings made it a great choice in the industry.

USAA Vs Nationwide Homeowners Insurance

USAA vs Nationwide Primary Differences

While Nationwide and USAA offer similar products and services, they differ in a few key areas. The most significant difference is that USAA only works with current and former military members and their families. The other is that Nationwide doesn’t operate in every state, though it’s available in most.

USAA vs Nationwide Similarities

Outside of those small differences, the two companies are quite similar. Both offer a range of insurance, financial services, and other products, and customers of either company can receive additional benefits with their insurance policies, including discounts, reduced deductibles, and more.

Cost

Nationwide’s average annual prices are almost $400 more than USAA’s, keeping in mind that USAA significantly limits its customer base to military members. The only company to undercut USAA in the assessments was Progressive, which came in at roughly $60 less per year.

Insurer

Average Annual Rates

Nationwide

$2,300

USAA

$1,900

Allstate

$2,200

Who USAA is Best For

USAA is best for military members, veterans, and their families. The add-on options, bonus features, and other benefits offered through USAA plans make them tailor-made to servicemembers, but that’s by design since no one else can be a customer.

Who Nationwide is Best For

Nationwide is best for non-servicemembers who want affordable homeowners coverage. The company’s broad discount programs and member benefits add a considerable amount of value, making it a great company for folks who aren’t eligible for USAA coverage.

USAA and Nationwide Alternatives

Other home insurance companies we've evaluated include:

Frequently Asked Questions

What is the 80 percent rule for home insurance?

The 80 percent rule refers to the amount that insurers will pay for home damage. They will typically pay as long as the policy’s defined coverage amount reaches at least 80% of the home’s replacement value. That said, it’s important to note that a variety of factors play into insurers’ coverage decisions, so it’s a good idea to know your policy inside and out.

How many quotes should I get for homeowners insurance?

Most experts recommend getting three quotes for homeowners insurance. You’ll be able to get a feel for each insurer’s coverage options, add-on coverages, bonuses, and limitations. Shopping around is also one of the best ways to get the best rates for your home coverage, though you’ll also need to make sure that each insurer offers the right coverage for your home and situation.

What happens if I don’t use a home insurance payout to fix my home?

Many insurance companies pay claims in installments to prevent the homeowner from blowing through the cash without fixing the house. However, if the owner does not complete the repair within a certain period of time, the insurance company may opt against covering the unrepaired part of the home going forward.

About Author

Chris Teague

Chris Teague

After earning an MBA, Chris began writing about tech and finance as part of his work as a bank analyst and consultant. Wanting to pursue his first love in life, Chris jumped ship and turned his focus to the automotive industry, first as a freelance writer for Forbes, J.D. Power, The Drive, and U.S. News & World Report, before starting YourTestDriver.com and the America on the Road Radio Show. Chris brings more than ten years of experience in product reviews, in-depth analyses, and news, and has been recognized as a significant contributor in building the future of the automotive media field.

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