Do I need renters insurance if I live in military housing?

You will want to consider purchasing a policy since your Basic Allowance for Housing (BAH) no longer includes renters insurance. While it is not required, it is a good idea to have it especially since you will spend as little as $10 a month to protect your stuff. We can help you customize your renters insurance coverage. You will also save up to 28% on your premium if you live on base or post.

Do college students need renters insurance?

Whether your child is living on campus or in an apartment, it is a good idea to make sure their stuff is covered with insurance for first-time renters. It also helps protect your child if they are found legally responsible for someones injuries or property damage. If you have a homeowners policy, it will cover your child while they are away from home, but there are coverage limitations and you would have to pay your homeowners deductible if you file a claim.

Can I add renters insurance to my homeowners policy?

You may want to purchase a homeowners and renters policy in certain situations. For example, you should consider having both if your child is away at school or you are renting property in addition to the home you own. Otherwise, you should not need both policies for the same location.

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Q: Does renters insurance cover moving?

If you continue to rent at your new location, you just need to update your existing renters policy with your new address. It is also a good time to review your coverage and make sure it still meets your needs. If you are buying a house and getting a USAA homeowners policy, you can cancel your renters insurance online once your homeowners coverage is active and your personal items are delivered to your home. Be sure to reactivate your renters policy if the closing on your home is delayed or you do not end up purchasing the house. If you are using a professional moving company and you have a shipping or storage contract, your belongings are covered if they are lost, damaged or destroyed during the move. Keep in mind, your stuff is not covered for breaking, marring or scratching. Consider purchasing coverage offered by the moving company for additional protection.

Q: Whos covered on my renters policy?

Your renters policy automatically covers family members who live with you, including your spouse, domestic partner or children. Roommates will need to purchase their own renters insurance. To add a family member to your policy, call us at 800-531-8722.

Q: Does renters insurance cover storage units?

Whether you live in the U.S. or overseas, your stuff is covered up to your policy is limit while it is in storage. Some storage companies may require you to have coverage, so be sure to have your proof of insurance handy when you rent a storage unit.

What's renters insurance?

Renters insurance protects you from two kinds of loss — property and liability. Property loss happens when your things get stolen or damaged by a covered event. Liability coverage helps when you're responsible for someone else's injury or damage to their property.

Whether you're in an apartment, house, dorm or on a military base, renters insurance may help protect you from the unexpected. For some rentals, your landlord may require you to have a renters policy.

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What does USAA Renters Insurance cover?^{See note2}

Covered
Theft and vandalism
Smoke, fire and lightning damage
Flood and some other types of water damage
Liability for a visitor's injury or property damage
Identity theft^{See note3}
Military gear and uniforms^{See note4}
Earthquake, building collapse and falling objects
Explosions and riot damage
Damage from aircraft
Accidental tearing, cracking, burning or bulging
Damage from artificially generated electrical current

Not Covered
Some types of water damage
Building and roof damage
Vehicle damage or theft
Your roommate's stuff
Damage caused by pets or insects

Extra electronics coverage^{See note5}

Your basic renters policy doesn't cover your electronics for some common accidents like drops, spills and lost items. But you can add this kind of coverage to your policy with a USAA Technology Coverage Endorsement. It costs as little as 14 cents a day^{See note6} to help cover many of your devices for up to $10,000.

Get electronics coverage

Do I really need renters insurance?

You may need renters insurance if:

You live in a dorm, on a base or rent a room.
You rent a house, condo, townhome or apartment.
Your landlord requires you to get renters insurance.
You need help with replacing stolen items.

You want to cover friends if they get hurt or their stuff is damaged in your home.
You travel a lot or keep stuff in storage.
You have expensive military uniforms that may get damaged.
You're moving from one rental to another.

You live in an area that has destructive weather like hail, tornadoes or hurricanes.
You need help repairing or replacing items if your furniture is damaged.
Your child is moving to their first apartment or dorm.

We support military members and young adults just starting out.

Active-duty Military Renters

We understand that you have unique insurance needs while serving your country. That's why USAA offers a policy with the military in mind. For example, we'll waive your deductible if your military equipment gets damaged or stolen. And if you live in military housing, you can save up to 28% on your renters policy.^{See note7}

Get renters insurance for military members

First-time Renters

Young adults moving away from home may have unique living situations. Renters insurance covers you as a first-time renter in a dorm, on base or in your first apartment. Help protect your finances and your stuff with USAA Renters Insurance.

Get insurance for first-time renters

Why choose USAA Renters Insurance?

Award-winning Service

Our awards confirm what members know. USAA Renters Insurance consistently wins top awards for overall satisfaction. Our customer service and claims teams strive to offer you the smoothest possible experience.
Worldwide Protection

We offer coverage wherever you live or store your stuff. When you travel, we cover the things you bring with you.^{See note8}
Replacement Cost Coverage

Once you pay your deductible, we cover replacement cost with no depreciation.^{See note9} That means you get enough to buy a new TV instead of getting a check for the value of a TV you bought five years ago.

Get a quote

How much does renters insurance cost?

You can expect to pay as little as $10 a month for a renters policy.^{See note1} What you pay depends on how much you cover and what deductible you choose.

A higher deductible can mean you pay less for your policy, but you'd pay more out of pocket if you file a claim. With a lower deductible, you pay a little more per month but less for a covered claim.

Get a quote

Can I get a discount on renters insurance?

If you're looking to save a few dollars, we have discounts to help make it work for your budget. Plus, you can save when you bundle renters insurance with other USAA policies.^{See note10}

Learn more about renters discounts

How much coverage do you need?

It depends. We can help you customize a policy for your needs.

Personal Property

The amount of coverage you need depends on how much your belongings are worth. You should consider:
- How much it would cost to replace your stuff.
- The value of things you have in storage.
- What you can't live without or pay to replace tomorrow.
Liability

Liability coverage helps protect you from lawsuits and medical bills.^{See note2} You need to consider:
- Your landlord's requirements.
- The value of the things you own including savings, investments and income.
- The risk of someone getting hurt or damaging their stuff in your home.

Learn more about renters coverage

Enhance your protection

Valuable Personal Property Insurance

For as little as $2 a month,^{See note11} Valuable Personal Property insurance, or VPP, provides extra coverage for items like jewelry, guns and more. And there's no deductible.

Learn about VPP
Personal Cyber Insurance

You can get coverage from the USAA Insurance Agency for losses and expenses from covered cybercrimes like identity theft and fraud. And there's no deductible for identity theft.

Learn about personal cyber
Umbrella Insurance

Sometimes your renters insurance can't cover all the medical bills from someone's injury. Umbrella insurance helps protect you from liability beyond the limits of other policies.

Learn about umbrella

Renters insurance FAQ

Expand all

Does renters insurance cover moving?

It depends. If you use a professional moving company and a shipping or storage contract, then renters insurance may cover you should your things become lost or destroyed.^{See note12} But keep in mind that your renters insurance won't cover breaking, marring or scratching caused by the moving company. You may want to consider buying their coverage for added protection.

If you already have renters insurance, remember to update your policy with your new address and be sure it still meets your needs.

If you buy a house and get a USAA homeowners policy, we make it easy to change policies. Just make sure your homeowners policy is active and your things arrive at your new home before you cancel your renters insurance.

Who's covered on my renters policy?

Does renters insurance cover storage units?

Do I need renters insurance if I have homeowners insurance?

Learn more about renters insurance.

What is renters insurance?

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Is renters insurance worth it?

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Why you need renters insurance, especially in the military

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IN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.

Note 1 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 2024. Rates vary by location and risk. Rates are subject to change.

Note 2 Coverage descriptions are brief and subject to the terms and conditions of your insurance policy. Read your insurance policy for details. Applications subject to underwriting.

Note 3 All renters policies with personal property coverage include up to $5,000 of identity theft coverage.

Note 4 No deductible will be applied for a covered loss to your military uniforms or military equipment while you are on active or reserve duty.

Note 5 All coverages may not be available in all locations.

Note 6 Countrywide average price for policyholders who have $1,000 in coverage as of July 2023. Rates may vary by location and risk. Rates are subject to change.

Note 7 Renter's On-base discount is only available to qualifying members. Some locations may offer a higher discount. Other restrictions apply.

Note 8 Availability of renters insurance to residents of another country is limited to qualified members.

Note 9 With replacement cost coverage, at our option, subject to policy limits and policy deductible, if you actually replace the property we will pay you the lesser of our cost to restore, repair or replace the damaged property or the amount you actually spent to restore, repair or replace the property. Coverage applies to damage or loss due to events listed in your policy.

Note 10 Multiple product savings do not apply in all states or to all situations. Savings subject to change. Restrictions apply.

Note 11 Annual policy providing $2,500 on scheduled jewelry as of October 2023. Rates may vary due to location.

Note 12 For coverage to apply, property must be under a bill of lading or other professional shipping document. Breaking, marring and scratching are excluded.

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.

In Florida, for policies including coverage for Windstorm and Hail, USAA offers premium credits for structures built with hurricane mitigation construction techniques. The amount of credit is subject to information submitted via the Uniform Mitigation Verification Inspection Form. Use this link to find more information on Premium Discounts for Hurricane Loss Mitigation. https://www.floir.com/siteDocuments/OIR-B1-1655.pdf

Oregon properties: USAA does not consider wildfire mitigation actions for underwriting purposes. USAA does consider wildfire mitigation actions for premium credits under rate plans for Homeowners policies only. To be eligible for a wildfire premium mitigation discount, the home must be located in an active Firewise community. For more information on FireWise Community visit firewise.org. The discount will be removed at the following renewal if the community does not maintain the FireWise Community certification.

Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA Limited (UK) and USAA S.A. (Europe) 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.

USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the "Agency"). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services ("third-party insurance products") on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.

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Renters Insurance

RENTERS INSURANCE