USAA home insurance policy is the cheapest by far. With fairly easy requirements to get coverage of my property. USAA did require minor maintenance issues before accepting my policy. Those issues were due to some required painting that needed to be done to protect the exterior. Since then USAA has covered my home for the past eight years. The only negative aspect of USAA is that they only accept policyholders who are members of the U.S. Armed forces or their immediate family members. But if you are you won't want any other home owners insurance.