Openly Homeowners Insurance vs. USAA Umbrella Insurance
Side-by-side comparison · Updated 2026 · Independently reviewed
Openly Homeowners Insurance
Openly
4.4
Independent agent exclusive. High-value focus. Guaranteed replacement. A+ AM Best.
Full review →USAA Umbrella Insurance
USAA
4.7
From ~$150/yr for $1M. Military families only. Lowest premiums available.
Full review →WealthSpott Verdict
USAA Umbrella Insurance wins on more measurable categories. Openly Homeowners Insurance may still be worth a quote depending on your location and coverage needs — premiums vary widely.
Feature
Openly Homeowners Insurance
USAA Umbrella Insurance
WealthSpott Rating
4.4 / 5
4.7 / 5 Best
Coverage Type
Home Insurance
Umbrella Insurance
Avg Annual Premium
—
—
AM Best Rating
A+
—
J.D. Power Score
—
—
Mobile App Rating
—
—
Openly Homeowners Insurance
USAA Umbrella Insurance
Not sure which insurer is right for you?
Browse all insurance