Stay protected while serving.
Our policies have features and benefits made for those in the military.
Whether you’re active duty, Guard or Reserve, you have special coverage needs. Find out how you can help protect your belongings and military gear, as well as your finances, with USAA Renters Insurance.
Why you need renters insurance in the military
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You have valuable stuff. Your uniforms and gear are expensive. You probably have other valuable property, too. But do you have an emergency fund set up to replace them if they're stolen or damaged?
No matter where you are in the world, 1 whether you live on base or post in a dorm or apartment or are renting a home renters insurance allows you to repair or replace your stuff if it's covered.
Things happen unexpectedly. What if a pipe bursts in your home? Renters insurance will allow you to replace your belongings and let you stay in a hotel while repairs are made.
You may be liable for others and their stuff. If someone is hurt or something happens to their stuff at your home, you could be held responsible for the cost of their injuries and damage to their property.
Having liability coverage on your renters policy can help protect you financially. Renters insurance can cover more than you might think. Depending on your belongings and your living situation, consider a policy that covers the following: theft at home or away from home, flooding, fire, pets and liability, spoiled groceries due to power failure, slip and fall accidents, military uniforms and gear, 2 musical instruments and collectibles.
Members can pay as little as $10 a month for $2,500 in personal property coverage and $100,000 in liability coverage. 3
You may want to have more property protection based on what you own or carry a higher deductible to make your premiums better fit your budget. If you're serving in the military, you live with some uncertainty. With renters insurance, you know that if something were damaged or stolen, it could be replaced no matter where you are.
Description of visual information: [1 Availability of renters insurance to residents of another country is limited to qualified members.
2 No deductible will be applied for a covered loss to your military uniforms or military equipment while you are on active or reserve duty
3 Countrywide average price for policyholders who have $2,500 personal property coverage, $100,000 liability coverage and $5,000 medical payments coverage as of January 2025. Rates vary by location and risk. Rates are subject to change.
Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.
Renters insurance provided by United Services Automobile Association, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, based in San Antonio, Texas; USAA S.A. (Europe), and USAA S.A. UK Branch (United Kingdom), and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products. Coverages subject to the terms and conditions of the policy. 7850604] End of description.
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Where your stuff is covered
Your belongings are covered at home, during PCS and deployment, and everywhere in between.
- In barracks or a military dorm
- On base or post
- In an apartment or house
- With family or friends
- In a storage unit or moving truck See note 1
- In a vehicle
- While traveling
- Anywhere worldwide See note 2
Extra protection for electronics
Home and renters policies cover losses like theft, vandalism, fires and most weather-related damage. Our electronics coverage options offer protection for more common accidents. See note 7
So if you accidentally damage or lose your laptop, we'll help pay to repair or replace it up to your coverage limit.
Military renters insurance FAQ
For your personal belongings, consider how much your stuff is worth. Creating an inventory of your things may help you determine the right amount of renters insurance coverage.
You can also get liability coverage, which can help protect your finances and future income. To decide how much you need, consider what your landlord or housing agreement requires. Also think about your financial worth minus any debt.
You can choose a future start date that meets your needs, whether it's tomorrow or on your moving day. If you’re not already a member, find out if you can join USAA.
Renters insurance provides some coverage for your stuff when it’s in storage, up to your policy’s limit. This applies whether you live in the U.S. or overseas. But it won't cover broken items or damage caused by mildew, rodents or insects.
Storage companies may require you to get their coverage.
If you use a professional moving company and a shipping contract, renters insurance may give you coverage if the moving company loses your things.
Your policy may also cover some types of damage, but keep in mind this won't include breaking, marring or scratching caused by the moving company. You may want to consider buying their coverage for added protection.
If you buy a home and your needs change, we can help you replace your policy. We make it easy to switch your renters insurance to a customized homeowner's policy.