State Farm Homeowners Insurance vs. USAA Umbrella 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 Umbrella Insurance

USAA

4.7

From ~$150/yr for $1M. Military families only. Lowest premiums available.

Full review →

WealthSpott Verdict

State Farm Homeowners Insurance and USAA Umbrella Insurance are closely matched. Get quotes from both — insurance premiums vary significantly by location, coverage level, and personal risk factors.

Feature

State Farm Homeowners

USAA Umbrella Insurance

WealthSpott Rating

4.3 / 5

4.7 / 5 Best

Coverage Type

Home Insurance

Umbrella Insurance

Avg Annual Premium

~$1,860/yr Best

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AM Best Rating

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J.D. Power Score

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Mobile App Rating

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State Farm Homeowners Insurance

Full review

USAA Umbrella Insurance

Full review

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