Property Insurance

What kind of USAA Property Insurance do you need?

What types of property insurance does USAA offer?

Homeowners Insurance

Help protect more than just the place you call home.

Learn about homeowners insurance
Renters Insurance

Worldwide coverage — in your apartment, barracks, car or storage.^{See note1}^{See note,}^{See note2}

Learn about renters insurance
Condo Insurance

Liability coverage and protection for your condo interior and belongings.

Learn about condo insurance
Flood Insurance

Standard homeowners policies don't cover floods.

Learn about flood insurance
Rental Property Insurance

Landlord coverage for lost rental income, home sharing^{See note3} and liability.

Learn about rental property insurance
Valuable Personal Property Insurance

Replacement cost coverage, with no deductible.

Learn about Valuable Personal Property insurance

We can also help you with these products.

There are some coverages we don't offer directly. Our USAA Insurance Agency works closely with other leading insurance companies to help you get the coverage and service you need.

Collectibles Insurance

Coverage for the full insured value of your collection, with no depreciation.

Learn about collectibles insurance
Mobile Home Insurance

Coverage for your home, belongings and personal liability.

Learn about mobile home insurance
Farm and Ranch Insurance

Coverage for livestock, equipment, vineyards and stables.

Learn about farm and ranch insurance
Windstorm Insurance

Coverage for hail, tornado and other wind-related damage to your coastal home and personal belongings.

Learn about windstorm insurance
Personal Cyber Insurance

Coverage for cyberattacks including ransomware, cyberbullying, online fraud and identity theft.

Learn about personal cyber insurance

Why get USAA property insurance?

Our policies offer a variety of coverage options for your home and personal property.

Our standard renters policy is anything but — it includes coverage for both flood and earthquake damage.
You can customize your coverage to fit your needs and budget.
We cover military uniforms and equipment^{See note4} for active-duty members at no extra charge, with discounts for on-base addresses.^{See note5}
We've been serving the military community and their eligible families since 1922. We were here yesterday and we'll be here tomorrow.

Filing a property claim is easy.

Quickly file a claim on usaa.com or download the USAA Mobile App. Upload photos, schedule services, check status and communicate with your adjuster — all from your computer or mobile device.

Visit the USAA Claims Center

We offer property insurance discounts and other ways to save.

Bundle and Save

Save up to 10% on your homeowners or renters premium when you bundle homeowners and renters with auto insurance.^{See note6}
Claims-Free Discount

USAA homeowners, condo or renters insurance policyholders with no claims for five or more years get up to 10% off.^{See note7}
Home Security Credit

Get peace of mind as well as special savings and benefits through our alliance with Learn more about ADT™ Home Security.^{See note8}

Learn about protecting your home.

How to prepare for a natural disaster

You can be proactive with these disaster preparation tips.

Read article about How to Prepare for a Natural Disaster
Homeowners insurance won't cover everything

You may need separate policies or endorsements.

Read article about how Homeowners Insurance Won't Cover Everything
9 Ways to avoid costly household water leaks

Look for leaks in the early stages for quicker repair.

Read article about 9 Ways to Avoid Costly Household Water Leaks

Extra protection and member discounts

ADT™ Home Security

Home Contractor

Pet Health Insurance

PODS® Moving and Storage

Shopping and Discounts

Tenant Screening

Umbrella Insurance

Have questions?

Our representatives are ready to help.

Call 800-531-USAA (8722).

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

Note 1 Availability of renters insurance to residents of another country is limited to qualified members.

Note 2 For coverage to apply, property must be under a bill of lading or other professional shipping document. Breaking, marring and scratching are excluded.

Note 3 Coverage and availability restrictions apply and are subject to change. Not available in all states.

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

Note 6 Savings are off total premium. Not available in all states or in all situations. To qualify for a discount on the property policy, a USAA Auto Insurance policy must be active within 60 days of issuing the property policy. Discounts will apply at renewal for existing property product(s). Discount subject to change. Restrictions apply.

Note 7 Discounts may not be available in all locations and are subject to change, other restrictions may apply.

Note 8 ©2024 ADT LLC doing business as ADT Security Services. All rights reserved. ADT, the ADT logo, 800-ADT-ASAP and the product/service names listed in this document are marks and/or registered marks. Unauthorized use is strictly prohibited. Third-party marks are the property of their respective owners. License information available at www.ADT.com or by calling 800-ADT-ASAP. CA ACO7155, 974443, PPO120288 FL EF0001121; LA F1639, F1640, F1643, F1654; MA 172C; NC Licensed by the Alarm Systems Licensing Board of the State of North Carolina; 7535P2, 7561P2, 7561P2M, 7562P10, 7563P7, 7564P4; NY 12000305615; PA 090797; MS 15019511.

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. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.

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.

The National Flood Insurance Program is not underwritten by United Services Automobile Association (USAA) or its affiliates based in San Antonio, Texas, and is provided by USAA General Indemnity Company (USAA-GIC), through an arrangement with the Federal Emergency Management Agency. The Federal government has financial responsibility for underwriting losses. The National Flood Insurance Program USAA-GIC is not available in Guam, U.S. Virgin Islands, Puerto Rico or overseas.

The typical homeowners or rental property insurance policy doesn't include flood coverage, and in some locations, you may also need to obtain a wind-only insurance policy. Flood insurance can be purchased separately through the National Flood Insurance Program. The maximum limits of coverage available on the federal flood policy for residences are $250,000 on the building and $100,000 on contents. If you need additional flood insurance coverage beyond these amounts, you can contact USAA Insurance Agency which works with other insurance companies that provide excess flood coverage. Private flood coverage is not affiliated with the National Flood Insurance Program.

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.

The USAA Perks program is provided through USAA Alliance Services LLC, a wholly owned subsidiary of USAA. USAA Alliance Services contracts with companies not affiliated with USAA to offer their products and services to members and customers. USAA Alliance Services receives compensation from these companies based on the sale of these products or services. When you purchase a product or service from one of these companies, that company is responsible for protecting your data and its processes and procedures may differ from those of USAA. These companies have sole financial responsibility for their products and services.

Property and casualty insurance provided by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, 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.

The trademarks, logos and names of other companies, products and services are the property of their respective owners.

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Property Insurance

Help protect your home and personal property with the right coverage.

What types of property insurance does USAA offer?

Homeowners Insurance

Renters Insurance

Condo Insurance

Flood Insurance

Rental Property Insurance

Valuable Personal Property Insurance

We can also help you with these products.

Collectibles Insurance

Mobile Home Insurance

Farm and Ranch Insurance

Windstorm Insurance

Personal Cyber Insurance

Why get USAA property insurance?

Filing a property claim is easy.

We offer property insurance discounts and other ways to save.

Bundle and Save

Claims-Free Discount

Home Security Credit

Learn about protecting your home.

How to prepare for a natural disaster

Homeowners insurance won't cover everything

9 Ways to avoid costly household water leaks

Extra protection and member discounts

Have questions?