USAA renters insurance review

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

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

1. Go to the USAA website.
2. Click Products and select Renters insurance from the menu.
3. On the renters insurance page, click Get a quote.
4. Log into your member account, using your member ID and password.
5. Fill in missing details about you, your rental and other residents.
6. Add your coverage needed and review your quote.
7. 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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Lemonade home insurance						AZ, CA, CO, CT, DC, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NY, OH, OK, OR, PA, TN, TX, VA, WI	Enjoy straightforward pricing, transparent flat fee from this completely digital insurer.	Go to site More Info	Compare	loading Fetching your data...
USAA home insurance						All 50 states	Enjoy great rates and wide coverage with USAA. Available to military members and family.		Compare	loading Fetching your data...
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Frequently asked questions about USAA renters insurance

• How do I join USAA so I can get a quote?

  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:

  1. From the renters homepage, click Get a quote, then Join online.
  2. Review the eligibility requirements and hit Continue if you meet them.
  3. Fill in basic personal information and read the disclosure. Click Next after each set of questions.
  4. Select how you’re affiliated with the military and hit Next.
  5. Provide any additional information needed about your military service or other personal details, such as rank, service dates or Social Security number. Click Next.
  6. Receive and save your USAA member number and click Finish registration.
  7. Sign online documents and click I agree.
  8. Follow the prompts to set up your online account.

• How do I make a claim on my USAA renters policy?

  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.

• Who is covered on my USAA renters policy?

  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.

• Does USAA cover moving damages if I use professional movers?

  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.