USAA renters insurance isn't available on Finder right now.
Available states
All 50 states
24/7 claims
Online quotes
Our verdict
You might not find better value for coverage with all the included perks as long as you’re eligible.
USAA lands at the top of the insurance industry for its customer satisfaction across many types of insurance, including renters. Its renters policies offer broad coverage from basic liability to flood coverage included at no extra cost, to accidental damage of someone else’s belongings.
You can even add accidental computer damage to the mix. These are options you won’t find with most other companies, and USAA includes most of it for free.
Of course, you have to be a military service member, veteran or family to become a member first. But if that’s you, compare a USAA quote alongside the benefits of other renters insurance companies for the best match.
Pros
Highly rated by J.D. Power
Belongings covered everywhere
Additional coverage and perks included
Fair rates
24/7 mobile claims reporting
Cons
Military-affiliated members only
In this guide
Our verdict
Details
Discounts
Coverage
Your reviews
Ask a question
Get a quote if you enjoy excellent customer service, free perks and a fair premium.
Pick something else if you’re not eligible for coverage.
Current military service members, veterans and their families can apply.
Details
Discounts
New home discount discount
No
New homeowner discount
No
Home safety features discount
Yes
New policy discount
No
Bundling discount
Yes
No claims discount
Yes
Other discounts
No
Coverage
Personal property coverage
Yes
Valuable personal property
Yes
Theft coverage
No
Fire coverage
No
Flood coverage
Yes
Identity theft coverage
No
Homesharing
No
Dwelling coverage
No
What renters insurance coverage does USAA offer?
USAA includes high-level coverage and benefits with each policy while offering several helpful additions. Coverage includes:
Personal property. Protects your belongings anywhere in the world, including while in storage.
Damage to property of others. Includes $1,000 for accidental damage you cause to someone else’s belongings, including your rental space.
Replacement cost for belongings. Repair or replace your belongings without factoring in depreciation. Some items aren’t eligible for replacement cost coverage.
Personal liability. Includes damage or injuries caused by you, your family or your pets.
Medical payments to others. Pays medical bills for injuries you cause while at your home or during personal activities.
Earthquake and flooding. This coverage is included in your standard policy.
Lock replacement. If the keys to your rental get stolen, replace your door locks with up to $250 coverage. Included in your policy.
Refrigerated products. Get up to $500 for spoiled food or refrigerated items if caused by a power outage or mechanical breakdown.
Liability or property damage only. You can opt to only get liability or property damage coverage if you’re okay with taking on the risks of the other yourself.
Accidental damage to personal computers. Add this option to your policy to pad your computer protection.
What renters insurance discounts can I get?
While USAA doesn’t advertise many discounts, you can save money on your premium with these simple discounts:
Claim-free
Security devices
Multiproduct
Pros and cons of USAA renters insurance
Pros
Highly rated insurance company. USAA consistently ranks at the top of the J.D. Power Renters Insurance and Property Claims Satisfaction Study, and it topped the charts again in 2019.
Belongings covered everywhere. Your belongings get protection whether you’re putting them in storage or traveling overseas.
Free coverage and perks included. The company includes coverage and benefits in each policy that competitors might charge extra for, such as pet liability, earthquake and flood coverage.
Fair rates. USAA claims that its rates start at $12 a month, which is on the low end of standard for renters insurance.
24/7 claims filed through the app. Make a claim quickly and smoothly through the USAA app at any time.
Cons
Military-affiliated members only. The main downside to USAA is that only those with military service in their past or future and immediate family can get a policy.
What isn’t covered by a USAA renters policy?
The company lays out the situations it doesn’t cover, so you’re not guessing with your next claim. Many of these are common with other insurance companies, too. Exclusions include:
Accidental damage or misplaced belongings, unless specifically stated by your policy
Car equipment and accessories while being used in your car
Damage to belongings due to temperature changes
Damage to others’ property that exceeds $1,000
Damage to vehicles you own, including boats and aircraft
Fraud or illegal actions
Gradual seepage of water
Lack of proper care and maintenance
Liability or property damage for roommates
Owned buildings and their fixtures
Wear and tear
Damage due to breakage, humidity, insects, mold, rodents or scratching while in storage
How to apply for USAA renters insurance
Unlike other insurance companies, you’ll need a membership to apply for coverage with USAA. Then, you can get a quote online or ask customer service any questions. Follow these steps to apply:
Online
Go to the USAA website.
Click Products and select Renters insurance from the menu.
On the renters insurance page, click Get a quote.
Log into your member account, using your member ID and password.
Fill in missing details about you, your rental and other residents.
Add your coverage needed and review your quote.
If you accept the quote, finalize your policy details and enter payment information.
Phone. Reach a representative over the phone at 800-531-8722.
What info do I need to apply for renters insurance with USAA?
Sail through your application with basic personal information, including details about your or your family member’s military service. Information needed:
Name
Date of birth
Email
Phone number
Gender
Address
Military rank and service dates
Coverage and policy start date
Bank account or credit card information
Alternatives to USAA
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Frequently asked questions about USAA renters insurance
If you’re not a member, you’ll need to complete the member application to determine if you’re eligible. If your parent or family member served, that parent will need a USAA membership in order to extend coverage to you. The application process takes several minutes once you have all the info you need
Follow these steps to join:
From the renters homepage, click Get a quote, then Join online.
Review the eligibility requirements and hit Continue if you meet them.
Fill in basic personal information and read the disclosure. Click Next after each set of questions.
Select how you’re affiliated with the military and hit Next.
Provide any additional information needed about your military service or other personal details, such as rank, service dates or Social Security number. Click Next.
Receive and save your USAA member number and click Finish registration.
Sign online documents and click I agree.
Follow the prompts to set up your online account.
You’ll need to log into your customer account online to file a claim. Or you can call the general customer service number at 800-531-8722.
You and any family members living with you are covered by your renters policy. Roommates will need a separate policy. However, your significant other might be eligible for coverage if approved by USAA.
Yes, as long as you have a written shipping or storage contract. Your belongings are covered if they’re lost or damaged due to fire or vehicle accident during the move. However, breakage, marring or scratches won’t receive coverage, so you may want extra insurance from the moving company for these incidents.
Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
Sarah George is Staff Writer for Small Business Loans at BankRate and formally a personal finance writer at Finder focusing on all things banking and insurance. Her know-how has been featured in such publications as CBS, CNET and Reviews.com, and she was a panelist in Finder’s 2020 money-saving webinar. Sarah earned an English education degree and is a Certified Educator in Personal Finance.
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