American Family Homeowners Insurance vs. USAA Homeowners Insurance
Side-by-side comparison · Updated 2026 · Independently reviewed
American Family Homeowners Insurance
American Family Insurance
4.2
Avg ~$1,900/yr. Dream Home® endorsement. Smart home discounts. 19-state footprint.
Full review →USAA Homeowners Insurance
USAA
4.7
Avg $1,500–$1,900/yr. Military families only. Best-in-class service.
Full review →WealthSpott Verdict
USAA Homeowners Insurance wins on more measurable categories. American Family Homeowners Insurance may still be worth a quote depending on your location and coverage needs — premiums vary widely.
Feature
American Family Homeowners
USAA Homeowners Insurance
WealthSpott Rating
4.2 / 5
4.7 / 5 Best
Coverage Type
Home Insurance
Home Insurance
Avg Annual Premium
~$1,900/yr
~$1,700/yr Best
AM Best Rating
A
—
J.D. Power Score
831 / 1000
— Best
Mobile App Rating
—
—
American Family Homeowners Insurance
USAA Homeowners Insurance
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