USAA insurance covers numerous situations. No matter what you are looking for, there is a USAA insurance plan to cover you. Free insurance quotes are available. In current society it is extremely important to protect yourself and your property to both provide financial support and reduce uncertainties. Insurance is not only a benefit to you personally, but it is also a great benefit to general society and the economic growth by providing financial stability. Insurance reduce uncertainties by improving financial resources.
If you are in the market for any type of insurance, USAA might be your best bet. Below is a comprehensive list of USAA insurance products available to members. You can also go to USAA.com or your USAA login to find out more about your insurance options.
Auto Insurance
Auto insurance is very important. It is a requirement if you drive. Driving without car insurance can be expensive and illegal. Deciding on the right coverage for you is very important. USAA insurance advisers can help you make the best and most informed decision. Go to USAA.com and get a quote.
Benefits and Discounts
With USAA Insurance for automobiles you can take advantage of driver discounts like Safe Driver if your maintain a good driving record for more than five years, Defensive Driving if you improve your defensive driving skills with an approved course, Driver Training, drivers younger than 21 who complete a basic driver training course can get a discount and Good Student when you use good grades to save on insurance.
As far as vehicle discounts go, benefits such as New Vehicle Discount offer discounts for a vehicle that’s not more than three years old. Annual Mileage Discounts are based on the number of miles you drive in a year and Multi-Vehicle Discount could help you if extend your USAA coverage to two or more vehicles.
Membership savings include Family Discount by continuing the USAA Auto Insurance tradition that your parents started and you could save up to 10% on your own policy. Military Installation Discount save up to 15% on comprehensive coverage when you garage your vehicle on base. The Bundle and Save package has saved members over $448 million when they bundled Auto and Home Insurance last year. Loyalty Savings works by staying with USAA insurance for your car insurance coverage.
Renters Insurance
Its always a good choice to protect your property. Renters insurance will protect you from flood, earthquake, moving and storage and ID theft as well as replacement costs. Check out what’s covered under replacement.
Valuable Personal Property Insurance
For some homeowners and renters insurance you may not be covered for certain valuable items. Along with a USAA homeowner or renters policy you can purchase a valuable personal property insurance policy that covers the cost of items lost and stolen with no deductible. Jewelry, silverware, fine arts, coins, cameras, guns, stamps, furs and musical instruments are among qualifying items.
Homeowners Insurance
When getting a new mortgage on a home most companies and banks require that you carry homeowners insurance. With USAA Insurance you will be covered for fire, theft, vandalism, most weather related events, liability and identity theft. Most insurance policies do not include floods as part of a standard homeowners policy, flood insurance can be purchase separately and depending on the location of your home can be very important to have.
Determining factors of your insurance premium are home location and construction materials, military affiliation, continued loyalty, and multiple USAA insurance products. You can also lower your premium by increasing your deductible.
Life Insurance
Life insurance is a very importing component of your families financial stability, especially being a service member. Life insurance is a way of protecting loved ones by replacing your income, paying off debt, paying for education and covering burial expenses. Log on to USAA.com and see what type is available to help decide which is best for you.
Umbrella Insurance
No matter how much money you make or how old you are you can be blindsided by a lawsuit. In this day and age a lot of people are sue happy. You can protect yourself and your family by purchasing an Umbrella policy. Umbrella insurance coverage insures you against things like dog bites or pool injuries at your home or passenger injuries in a car accident.
Recreational Vehicle Insurance
You can purchase a policy for your recreational vehicles as a separate policy. These vehicles include motorcycle, moped and ATV’s, boats and jets skis, motor home or RV, antique or collectible cars and planes. It is always a good bet to protect all of your assets. Log on today and get a quote.
Small Business Insurance
When you own your own business or work for yourself it is extremely important to protect yourself and your assets. You don’t want to work hard just to lose your livelihood to unexpected or catastrophic events. Acquiring a small business policy helps you stay focused on your companies bottom line and sleep easy knowing you are protected.
Other USAA Insurance Solutions
You can protect yourself with mobile phone protects which covers loss, damage and theft. Special event insurance like weddings, family reunions, quinceaneras and other large gatherings you have invested a significant financial sum to. Travel insurance will reimburse you 100% if your trip is cancelled or if your property or luggage is lost or stolen. Pet insurance covers your loved ones from nose to tail.
Health Insurance
Health insurance is an absolute must with today’s rising cost and expenses. If you are not covered your financial stability can be devastated. Health insurance helps protect your financial future. USAA health insurance works with trusted provider alliances to offer these products. Not to mention you can face federal tax penalties if you go more than two months without health insurance.
Major Medical Insurance
You will want to consider using USAA insurance for major medical if you are self employed or are not covered by an employer, are working part time or are retired and not eligible for Medicare. You can enroll outside of open enrollment if you fit certain criteria such as:
- Lose or change jobs.
- Have a change in your marital status.
- Gain a dependent by birth or adoption.
- Experience the death of a spouse or dependent.
- Can no longer be covered as a dependent due to your age.
- Separate from the military or return from active duty.
Temporary Medical Insurance
You may consider getting a temporary medical policy if you are in a waiting period for employer benefits especially if it is outside of the approve two month limit for avoiding federal tax penalties, are a seasonal or temporary employee or outside of open enrollment and don’t fit the criteria to sign up outside enrollment.
Dental Insurance
Dental bills can add up quickly. Help minimize your out of pocket costs by purchasing a dental policy. The benefits of dental insurance can include:
- Preventive services — exams, cleanings, fluoride treatment, sealers and more
- Basic restorative services — fillings, extractions, etc.
- Major restorative services — crowns, bridges, dentures, root canals, etc.
- Orthodontia — for example: braces
- Nationwide coverage — You can use your plan no matter where you live.
- Individual and family plans
- Oral Health Integration Program — 100% reimbursement for certain dental procedures associated with eligible medical conditions.
- Additional programs: discounts on a wide-range of health and wellness programs and services, such as fitness clubs, tobacco cessation and nutrition programs.
Coverage differs from state to state. You will need to call a USAA representative for details that apply to the state you reside in.
Vision Insurance
Like dental bills without insurance vision costs can be costly without insurance. Most major medical insurance only covers medically necessary eye care services and won’t cover eye wear products. With vision insurance you can take advantage of these benefits:
- WellVision® exam
- Prescription lenses
- Contacts
- Great selection of eyewear with a wide variety of designer brands and styles
- Discounts on lens options like anti-reflective coating and no-line bifocals (progressive lenses).
- Discount on LASIK
- Nationwide coverage — you can use your plan no matter where you live
- Individual and family plans
Long Term Care Insurance
You may be eligible for long term care. Long term care varies from state to state and person to person . You will need to contact a USAA Insurance representative to find out if you are eligible and if so, what you are eligible for. You can call USAA at 1-800-531-5321 Monday to Friday 7:30 am to 8 pm central time.
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