What does renters insurance cover?
Renters insurance can help protect your personal property and cover you financially. What happens if your stuff gets stolen? Or a friend falls and gets injured? What if you need to stay in a hotel because of water damage from a burst pipe or flood? You can help protect yourself with renters insurance.
Protection for your stuff
Renters insurance helps cover your stuff if it gets stolen or damaged. It can protect your furniture, clothes, electronics and other things you own. It could also cover your stuff if it gets damaged in storage or while you travel.See note1 And if you'd like even more protection for your valuables, think about adding Valuable Personal Property insurance.
Protection for your financesSee note2
In addition to helping protect your belongings, renters insurance can help protect you financially if you face a lawsuit or other unexpected expenses following a covered loss.
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Personal Liability
If you're at fault for someone's injury or damage to their property, renters insurance may protect you and cover your legal costs. For added coverage, consider umbrella insurance. It can help cover claims after you've reached your renters policy limit.
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Loss of Use
If a covered event leaves your home unlivable, this helps pay for temporary housing and increased expenses. It includes costs for things like hotel stays or apartment rent, food, laundry, moving and pet boarding. Learn more about loss of use coverage.
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Medical Payments to Others
Costs for things like X-rays or ER visits for people injured on your property can be pricey. Renters insurance can help cover their injuries, no matter who's at fault.
Flood coverage is included.
USAA Renters Insurance policies include coverage for flood damage. Have peace of mind knowing you'll be able to get back on track after a flood.
Earthquake coverage is included.
USAA Renters Insurance includes earthquake coverage. This helps protect your things when they're damaged by an earthquake, shock wave or tremor.
Other coverage you getSee note2
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Replacement Cost Coverage
Your policy covers your belongings at current value with no depreciation.See note3 That means if your stuff gets damaged, we'll pay the cost to repair it, or we may replace it with a new item valued up to your policy limits. You just pay your deductible.
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Special Coverage for Military
Active-duty and active reserve members can save with military-specific coverage. You won't pay a deductible on a covered loss for personally owned military gear and clothing.See note4 This includes uniforms, insignia, flight cases, headsets and body armor.
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Coverage Wherever You Go
Even when you're traveling overseas, we cover the things you bring with you.See note5 If your luggage and passport are stolen while traveling, you can rest easy. Your renters policy covers theft, including identity theft,See note6 no matter where you are.
Extra protection for your electronics
Electronics coverage offers protection beyond the standard renters policy for items like computers, tablets, mobile phones, wearable tech, gaming systems and TVs. For as little as 14 cents a day,See note7 you can get covered for things like drops, spills and lost electronics. If your stuff gets damaged, we'll pay the cost to repair it, or we may replace it with a new item up to your policy limits.See note8 You just pay the deductible.
Learn more about renters insurance coverage.
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Does renters insurance cover theft?
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Do I need insurance for my college dorm or apartment?
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Why you need renters insurance, especially in the military