State Farm Homeowners Insurance vs. USAA Renters 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 Renters Insurance

USAA

4.7

Among the lowest rates. Military families only. Excellent claims service.

Full review →

WealthSpott Verdict

USAA Renters 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 Renters Insurance

WealthSpott Rating

4.3 / 5

4.7 / 5 Best

Coverage Type

Home Insurance

Renters Insurance

Avg Annual Premium

~$1,860/yr

~$100/yr Best

AM Best Rating

—

J.D. Power Score

—

Mobile App Rating

—

State Farm Homeowners Insurance

Full review

USAA Renters Insurance

Full review

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