USAA

Bottom line

It's common to see USAA at or near the top of national homeowners insurance customer satisfaction surveys, and policyholders say that's for good reason: The company has a reputation for providing good customer service and a smooth claims process. However, policies are available only for military members, veterans and their families. Also, some homeowners might find discounts a bit lacking, and local agents aren't an option.

ProsSmooth claims process, Well-reviewed customer service, Wide variety of plansConsLacks local agents, Limited discounts, Open only to military families