Who Qualifies For USAA Homeowners Insurance? 
USAA was formed by military officers for military officers and enlisted personnel . Anyone who is currently in the military , or retired with an honorable discharge can join . There are ways to join if you are n't or were n't in the military . These are : One of your parents was in the military and has purchased an auto or home policy ; You are a widow/widower or former -LRB- unremarried -RRB- spouse of a member who had purchased auto or home insurance ; Attending one of the service academies or in advanced ROTC at a college/university . I 'm not sure how many generations a membership can be passed down . I have a membership through my father-in-law who served in the Navy during WWII , and my son has a membership through me and my wife . I think a membership can only be passed down two generations , but I do n't know that for sure . It 's a great organization . If you are eligible , I strongly recommend you join . They have lots of great benefits besides insurance . 