About USAA

With the commitment to facilitate people and families that serve or served in the United States military, United Services Automobile Association (USAA) is dedicated to help them build a dream and live a decent life. Aimed at bring financial security to its members, USAA offers a line of highly competitive products and services, featuring banking, insurance and investments. Join USAA, join generations of military families who have benefited from the superior services provided by one of the only two U.S. property and casualty companies with the highest ratings.

Homeowners Insurance

Protect your house and family with home insurance against fire, theft, vandalism or accidents from USAA, featuring • Full replacement USAA offers full replacement cost coverage for homeowners insurance. This coverage helps you rebuild your home if it is severely damaged or destroyed. • Protection for your valued personal property USAA provides up to 75 percent for personal property coverage based on the homes’ insured value and current market value, regardless of any depreciation. To help get the ideal across, let’s say, on a home insured for 100,000 dollars, the amount USAA covers your personal belonging would be up to 75,000 dollars. That is a lot when compared to what other companies would offer. • Identity coverage USAA provides you with up to 5,000 dollars for expenses incurred by identity theft, credit card or other forms of financial fraud.

Home Mortgages

USAA gives you the opportunity to secure a home where you and your family can live a decent life and where dreams can come true. Select from the mortgage options listed below: • Veteran Affairs (VA) loans It is a 30-year mortgage available for qualified veterans, reservists, active-duty personnel and their eligible spouses. You can benefit from: 1) Low to no down payment 2) No Private Mortgage Insurance 3) Fixed rate for 30 years 4) Access to have USAA finance your VA funding fee • Federal Housing Administration (FHA) loans Offered through Military Family Home Loans, FHA loans provide various loan options from fixed rate to adjustable rate. This is a good option for you if you are a first-time homebuyer who 1) Wants to buy a home with affordable down payment 2) Has flexible income and little credit history • Fixed-rate Loans With a fixed-rate loan ranging from 15 years to 30 years, you will pay the same predictable lower monthly payments for the whole term. You can rest assured because the interest rate is guaranteed to stay the same for the life of the loan. • Adjustable-rate Loans The term of this loan is 30 years with an initial fixed-rate period of 5 years. It has low initial monthly payments and is good for short-term ownership. The interest rate may change according to the market conditions, meaning it either increases or reduces. As a result, you might want to be cautious when choosing this type of loan.

How to become a USAA member?

USAA offers its members the privilege that can only be earned by military personnel and can be handed down to their children. To become a member, you have to be Active, retired and honorably separated officers Officer candidates in commissioning programs Adult children, widows, widowers and former spouses of USAA members who have, had a USAA auto/property insurance USAA Official Website: http://www.usaa.com

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For over eight decades, USAA (Unite Services Automobile Association) has been committed to providing members of the military and their families with the best-in-class financial well-being services. Whether it is insurance, banking, investments or retirement planning, you can always rely on USAA to deliver exactly the products you need. This web site is not affiliated with USAA. We recommend USAA official site for more accurate information of its financial services.