Who Can Get USAA Insurance?

USAA is a Texas-based financial services company that specializes in providing insurance, banking, and investment services to current and former military members and their families. In this article, we’ll take a closer look at who can get USAA insurance and what types of coverage are available.

Eligibility Requirements for USAA Insurance

USAA membership is open to:

1. Active, retired, and honorably separated officers and enlisted personnel of the U.S. military
2. Officer candidates in commissioning programs (Academy, ROTC, OCS/OTS)
3. Adult children of USAA members who have or had a USAA auto or property insurance policy
4. Spouses of USAA members who have or had a USAA auto or property insurance policy
5. Widows, widowers, and former spouses of USAA members who had a USAA auto or property insurance policy while married

If you are a current or former member of the military, you may be eligible for USAA insurance. However, not all types of insurance are available to all members. Let’s take a closer look at the different types of insurance that USAA offers.

Types of USAA Insurance

Auto Insurance

USAA offers auto insurance to active and retired military members, officer candidates, and their families. The coverage includes liability, collision, and comprehensive insurance, as well as roadside assistance, rental reimbursement, and accident forgiveness. USAA members can also save up to 25% on their premiums if they store their vehicles on a military base.

Homeowners Insurance

USAA offers homeowners insurance to active and retired military members, officer candidates, and their families. The coverage includes dwelling, personal property, and liability insurance, as well as coverage for natural disasters like earthquakes and floods. USAA members can also get discounts on their premiums if they have a security system or bundling their policies.

Life Insurance

USAA offers life insurance to active and retired military members, officer candidates, and their families. The coverage includes term life insurance, whole life insurance, and universal life insurance, as well as coverage for accidental death and dismemberment. USAA members can also get discounts on their premiums if they are under the age of 25 or have a good health rating.

Renters Insurance

USAA offers renters insurance to active and retired military members, officer candidates, and their families. The coverage includes personal property, liability, and loss of use insurance, as well as coverage for natural disasters like earthquakes and floods. USAA members can also get discounts on their premiums if they have a security system or bundling their policies.

Health Insurance

USAA offers health insurance through Tricare, the government health insurance program for military members and their families. Members can choose from several different plans, including Prime, Select, and Reserve Select. The coverage includes inpatient and outpatient care, prescription drugs, mental health services, and preventative care.

FAQ

How do I become a USAA member?

You can become a USAA member by joining the military, marrying a current or former military member, or by having a parent who is or was a USAA member.

Can non-military members get USAA insurance?

No, USAA insurance is only available to current and former military members and their families.

How can I get a quote for USAA insurance?

You can get a quote online or by calling USAA’s customer service line. You’ll need to provide information about the type of coverage you’re looking for, your driving record, and other personal information.

Does USAA offer discounts?

Yes, USAA offers discounts on auto and homeowners insurance to members who store their vehicles on a military base, have a security system, or bundle their policies. Members can also get discounts on life insurance if they are under the age of 25 or have a good health rating.

How do I file an insurance claim with USAA?

You can file an insurance claim through USAA’s website or by calling their customer service line. You’ll need to provide information about the incident, including the date and time, location, and a description of what happened.

What is Tricare?

Tricare is the government health insurance program for military members and their families. USAA offers health insurance plans through Tricare.

Conclusion

If you are a current or former member of the military or a family member of someone who is, you may be eligible for USAA insurance. USAA offers a wide range of coverage options, including auto, homeowners, renters, life, and health insurance. By leveraging their discounts and bundling options, USAA members can save money on their premiums while still getting the coverage they need.