State Farm Homeowners Insurance vs. USAA Homeowners Insurance

Side-by-side comparison · Updated 2026 · Independently reviewed

State Farm Homeowners Insurance

State Farm

4.3

Avg $1,820–$1,900/yr. Largest insurer. 18,000+ agents. Bundle & save up to 20%.

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. State Farm Homeowners Insurance may still be worth a quote depending on your location and coverage needs — premiums vary widely.

Feature

State Farm Homeowners

USAA Homeowners Insurance

WealthSpott Rating

4.3 / 5

4.7 / 5 Best

Coverage Type

Home Insurance

Avg Annual Premium

~$1,860/yr

~$1,700/yr Best

AM Best Rating

—

J.D. Power Score

—

Mobile App Rating

—

State Farm Homeowners Insurance

Full review

USAA Homeowners Insurance

Full review

Not sure which insurer is right for you?

Browse all insurance