Renters Insurance
Help protect your stuff and your money.
Secure your possessions for as little as $12 per month.See note1 See note
Retrieve a Saved Renters Insurance Quote
Why get USAA Renters Insurance?
Our basic coverage offers more features than many policies out there. Take a look at some of the ways we can help protect you.
1.Your stuff is safe and you're protected.
In the event of things like fire or theft, renters insurance helps cover your personal possessions. And if you're ever held responsible for injury or damages, liability coverage helps protect your financial security.
2.You're covered for flood.
Flood coverage is part of our standard policy; it's not for our competitors.
3.Earthquake coverage is standard.
Unlike some of our competitors, you don't have to pay extra for earthquake coverage.
4.You'll be able to replace or repair items with new ones.
We offer replacement cost coverage.See note2 See note That means rather than depreciating an old TV to almost nothing, your policy would compensate you enough to buy a new one if it was stolen or damaged.
5.You can move, take and store your stuff worldwide.See note3See note,See note4
Pack it, move it or store it. Your stuff is covered — no matter where it is, including in your car.
Special Notice: Renters insurance does not cover breakage, marring, scratching or damage caused by temperature change caused during your move or while storing your belongings.
How much coverage do you really need?
Consider what you have in assets for liability coverage and the value of your belongings for personal property coverage.
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Liability
Help Protect Your Financial Security
Liability coverage is to help protect your assets and future income. Here are some things to consider:
- How much your landlord requires.
- How much you have in assets or as your net worth.
- How much you're at risk for being held liable for injury or damages. For example, you have a dog or you live with roommates.
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Personal Items
Help Protect Your Belongings
The amount of personal property coverage you need depends on how much your belongings are worth. Here are some things to consider:
- The average amount of coverage needed for a two-bedroom apartment begins at $20,000.
- Create an inventory of your personal belongings to help you determine how much coverage you need.
- USAA replaces your older items with new ones.
A standard policy includes liability and personal property coverage, but you can choose to just get one or the other if it best fits your needs.
Renters Insurance Frequently Asked Questions
Video Transcript: Renters Insurance
Video Duration: 1 minute 00 seconds
Transcript Date: Aug. 7, 2017
Introduction [00:00]
So you're thinking about getting a renters policy with USAA. Smart move!
For as little as $12 a month, you can protect your hard-earned possessions.
Policy Features [00:09]
If a natural disaster strikes, you're covered. And unlike most policies, USAA even covers you in the event of an earthquake or flood at no additional charge
When your things are in your car, a storage unit or halfway around the world, you're covered.
Description of visual information: [For coverage to apply, property must be under a bill of lading or other professional shipping document before being shipped. Policy must be in force before goods are placed in transit. Breaking, and marring & scratching are excluded.
And even if your dog bites the mailman, you're covered!
A USAA renters policy also comes in handy if you accidentally start a fire that does some damage next door…or if a thief snags your stuff because you'll get money to buy new stuff even if your old stuff was…well, old.
And if you need to give your landlord or apartment complex proof of insurance, you'll get it the same day you sign up!
All for as little as $12 a month!
Click below to get a quote today.
Description of visual information: [Renters insurance provided by United Services Automobile Association, USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, based San Antonio, TX; USAA Limited (UK) and USAA S.A. (Europe), and is available only to persons eligible for P&C group membership. Each company has sole financial responsibility for its own products.]End of Description
End [01:00]
Clothing
- Repairs or replaces covered losses at full cost with no depreciation.
- Does not cover lost items, accidental damage or wear and tear.
- Policy provisions and deductible apply.
Electronics
- Repairs or replaces covered losses at full cost with no depreciation.
- Does not cover accidental damage, wear and tear or mechanical breakdown.
- Other policy provisions and deductible apply.
Silverware
- Repairs or replaces covered losses at full cost with no depreciation.
- We limit coverage for theft of silverware to $2,500 per loss.
- Does not cover lost items, accidental damage or wear and tear. (Purchase a Valuable Personal Property Policy to include coverage for loss, accidental damage and add additional theft coverage.)
- Other policy provisions and deductible apply.
Phones
- Repairs or replaces covered losses at full cost with no depreciation.
- Does not cover loss, breakage, cracked screens, scratches or normal wear and tear. (Purchase additional phone protection through the USAA Agency.)
- Other policy provisions and deductible apply.
Military Equipment
- Repairs or replaces military uniforms and issued military equipment at full cost with no depreciation.
- There is no deductible for covered losses sustained while on active or active reserve duty.
- Includes coverage up to $10,000 for damage caused by war.
- Other policy provisions apply.
Jewelry
- Repairs or replaces covered losses at full cost with no depreciation.
- We limit coverage for theft of jewelry to $1000 per loss. Virginia has a $1,500 limit.
- Does not cover lost items, accidental damage or wear and tear. (Purchase a Valuable Personal Property policy to include coverage for loss, accidental damage and add additional theft coverage.)
- Other policy provisions and deductible apply.
Storage
- Repairs or replaces covered losses of your personal items in storage at full cost with no depreciation.
- Does not cover lost items or damage due to breakage, marring, scratching, mold, humidity, insects or rodents.
- Other policy provisions and deductible apply.
Fine Art
- Repairs or replaces covered losses without factoring in depreciation.
- Does not cover breakage, accidental damage or wear and tear (Purchase a Valuable Personal Property Policy to schedule specific items of rarity, artistic merit or historical significance.)
- Other policy provisions and deductible apply.
Bicycles
- Repairs or replaces covered losses at full cost with no depreciation.
- Does not cover accidental damage, wear and tear or mechanical breakdown.
- Other policy provisions and deductible apply.
Sports Equipment
- Repairs or replaces covered losses at full cost with no depreciation.
- Does not cover accidental damage, wear and tear or mechanical breakdown.
- Other policy provisions and deductible apply.
Cameras
- Repairs or replaces covered losses at full cost with no depreciation.
- Does not cover lost equipment, accidental damage or wear and tear. (Purchase a Valuable Personal Property policy to include coverage for accidental damage.)
- Other policy provisions and deductible apply.
Liability
- Provides coverage for Bodily Injury and Property Damage losses for which you are legally liable.
- Provides defense cost and settlement payments up to your policy limits.
- Does not cover intentional acts, business or commercial activities, libel, slander or defamation of character.
- Other policy provisions and exclusions apply.
- Repairs or replaces covered losses at full cost with no depreciation.
- We limit coverage for theft of coins and stamps to $200 per loss.
- Does not cover lost items, accidental damage or wear and tear (Purchase a Valuable Personal Property Policy to increase theft amount and broaden coverage for coins and stamps valued above $200.)
- Other policy provisions and deductible apply.
China or Crystal
- Repairs or replaces covered losses with new, similar type or actual cash value.
- Does not cover chipping, cracking, breaking or other accidental damage.
- Other policy provisions and deductible apply.
Music Equipment
- Repairs or replaces covered losses at full cost with no depreciation.
- Does not cover accidental damage or wear and tear (Purchase a Valuable Personal Property Policy to include coverage for accidental damage).
- Other policy provisions and deductible apply.
- Repairs or replaces covered losses at full cost with no depreciation.
- We limit coverage for theft of guns to $2,000 per loss.
- Does not cover accidental damage, wear and tear, rust scratching, marring or explosion (Purchase a Valuable Personal Property Policy for additional theft coverage and to include coverage for accidental damage.)
- Other policy provisions and deductible apply.
Furniture
- Repairs or replaces covered losses at full cost with no depreciation.
- Does not cover breakage, accidental damage or wear and tear.
- Policy provisions and deductible apply.
Stamps
- Repairs or replaces covered losses at full cost with no depreciation.
- We limit coverage for theft of stamps and coins to $200 per loss.
- Does not cover lost items, damage from being handled, fading, scratching, tearing or thinning or transfer of color (Purchase a Valuable Personal Property Policy to add additional theft coverage.)
- Other policy provisions and deductible apply.
Antiques
- Repairs or replaces covered losses with new, similar type or actual cash value.
- Does not cover accidental damage or wear and tear. (Purchase a Valuable Personal Property Policy to insure specific items under the Fine Arts category.)
- Other policy provisions and deductible apply.
Computers
- Repairs or replaces covered losses at full cost with no depreciation.
- Does not cover lost items, wear and tear or mechanical breakdown.
- Purchase additional computer coverage to cover drops and spills with $250 deductible.
- Other policy provisions and deductible apply.
Appliances
- Repairs or replaces covered losses at full cost with no depreciation.
- Does not cover wear and tear and mechanical breakdown.
- Other policy provisions and deductible apply.
- Repairs or replaces covered losses at full cost with no depreciation.
- We limit coverage for theft of furs to $1000 per loss.
- Does not cover lost items, accidental damage or wear and tear (Purchase a Valuable Personal Property Policy to include coverage for loss and accidental damage.)
- Other policy provisions and deductible apply.
Hearing Aids
- Repairs or replaces covered losses at full cost with no depreciation.
- Does not cover loss, breakage, wear and tear or mechanical breakdown.
- Other policy provisions and deductible apply.
Flood means:
- The overflow of inland or tidal waters;
- The unusual and rapid accumulation or runoff of surface waters from any source; or
- Mudslides which are proximately caused by the overflow of inland or tidal waters and are akin to a river or liquid and flowing mud on the surfaces of normally dry land areas including your residence, as when earth is carried by a current of water and deposited along the path of the current.
We will not cover damage caused by gradual seepage of water through building or basement walls, roofs, windows, doors, foundations, or floors. This Cause of Loss does not include loss caused by or resulting from freezing except as provided in Item 15. Freezing.
Water means:
- Damage caused by water which backs up through sewers or drains;
- Damage caused by accidental escape of water from plumbing, heating, or air conditioning pipes, fixtures, or equipment or domestic appliances.
We will not cover damage caused by gradual seepage of water through building or basement walls, roofs, windows, doors, foundations, or floors. This Cause of Loss does not include loss caused by or resulting from freezing except as provided in Item 15. Freezing.
Windstorm or Hail
An opening in the roof or wall must be made by the direct force of wind or hail before we will cover damage due to rain, snow, sleet, sand or dust.
Collapse of building
We will cover damage to covered personal property caused by collapse of a building or any part of the building.
Volcanic eruption
This does not include loss caused by earthquake, land shock waves or tremors.
Earthquake
This includes land shock waves or tremors before, during or after a volcanic eruption.
One or more earthquake shocks that occur within a seventy-two hour period will constitute a single earthquake.
We will not cover smoke damage from agricultural smudging or industrial operations.
Freezing
We cover freezing loss to a plumbing, heating, air conditioning or automatic fire protective sprinkler system or of a household appliance. This cause of loss does not include loss at your place of residence while unoccupied unless you have used reasonable care to:
- Maintain heat in the building; or
- Shut off the water supply and drain the system and appliances of water.
Falling Objects
We do not cover loss to property contained in a building unless the roof or an exterior wall of the building is first damaged by a falling object. Damage to the falling object itself is not covered.
- Theft includes attempted theft, pilferage, larceny, burglary, robbery, holdup and embezzlement. It also includes loss from a known place when it is likely the property has been stolen.
- We will not cover property lost or misplaced.
Aircraft
This includes self-propelled missiles and spacecraft.
Vandalism
Property is covered against intentional and malicious damage.
