USAA vs Amica Home Insurance at a Glance
| USAA | Amica | |
|---|---|---|
| Eligibility | Active military, veterans, and eligible family members only | Open to the general public |
| States available | All 50 states + DC | All states except Alaska and Hawaii |
| J.D. Power satisfaction | Highest score (not officially ranked — eligibility restricted) | 2nd-highest ranked score |
| Avg. annual premium | Competitive, varies by state | ~$1,521/year (about 30% below national average) |
| Complaint volume | Low relative to size | About 1/3 the complaints of an average-size insurer |
| Policy tiers | Single comprehensive tier | Two tiers — Standard and Platinum |
| Roof settlement | Typically replacement-cost basis (state/endorsement dependent) | Varies by state and form — confirm at quote |
| Water backup coverage | Endorsement, typically 10% of Coverage A | Available, varies by state/program |
Figures reflect industry-wide averages compiled from multiple 2026 rate and satisfaction studies. Eligibility, availability, and pricing vary — always confirm directly with each insurer.
See our full Editorial Methodology for the criteria and data sources behind every rating on this site.
Where USAA Wins
- Customer satisfaction: USAA consistently earns the highest score in J.D. Power's home insurance satisfaction survey — it simply isn't eligible for an official ranking because of its restricted membership
- Nationwide availability: USAA writes policies in all 50 states plus DC, with no state exclusions
- Meaningful discounts for military households: 15% off for no recent claims, 10% for bundling with auto, and 5% for policyholders of three years or more
- Roof settlement terms: USAA's standard policies typically settle roof losses on a replacement-cost basis, which can matter significantly on an older roof after a covered loss
Where Amica Wins
- Accessibility: Amica is open to anyone, while USAA is restricted to active-duty military, veterans, and their immediate family members — a hard eligibility wall most homeowners simply can't get past
- Strong pricing for the general public: Amica's average annual premium runs about 30% below the national average, making it one of the most competitively priced options available to non-military homeowners
- Very low complaint volume: Amica draws roughly one-third the complaints of an average-size insurer, reflecting consistently smooth claims handling
- Tiered coverage options: Amica's Platinum tier adds extended coverage most standard policies don't include, giving homeowners a genuine upgrade path without switching insurers
The Eligibility Question — Why It Decides Everything
This comparison is unusual because, for most people, it isn't really a comparison at all. USAA membership is restricted to active-duty military members, veterans, and their spouses and children — there's no way to buy in otherwise, regardless of how much you might want USAA's coverage or pricing. If you qualify, USAA is genuinely difficult to beat on satisfaction and terms. If you don't, Amica is one of the strongest options actually available to you, and this comparison becomes more theoretical than practical. The real first question isn't "USAA or Amica" — it's "am I eligible for USAA at all."
How to Decide
Choose USAA if: You or an immediate family member is active-duty military, a veteran, or an officer candidate — there's little reason to look elsewhere if you qualify.
Choose Amica if: You're not eligible for USAA, want strong pricing and satisfaction from an insurer open to the general public, or want the option to upgrade to a higher coverage tier later.
Given how restrictive USAA's eligibility is, most homeowners comparing these two will find the decision already made for them. Want to see how Amica stacks up against other top-rated insurers open to everyone? MoneyVerge's guide to comparing home insurance covers the broader field side by side.
Frequently Asked Questions
No — USAA membership is restricted to active-duty military members, veterans, and their eligible spouses and children. There's no way to purchase USAA coverage without qualifying membership.
Both are competitively priced relative to the market, but they're rarely compared on price directly since USAA isn't available to most people. Amica's average premium runs about 30% below the national average.
USAA scores highest in J.D. Power's survey but isn't officially ranked due to its restricted eligibility. Among fully-ranked insurers open to the public, Amica holds the second-highest score.
Amica writes policies in every state except Alaska and Hawaii. USAA is available in all 50 states and DC, but only to eligible military-affiliated members.
More Home Insurance Guides
Home Insurance by State
Rates and risk factors vary dramatically by state — find your state's guide: