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Renters insurance coverage for you and your stuff

Get a renters quote

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Renters insurance coverage for you and your stuff

Get a renters quote

Retrieve a saved quote

What does renters insurance cover?

Renters insurance can help protect your personal property and finances.

What happens if your stuff gets stolen? Or a friend falls and gets injured on your property? 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 can help cover things like furniture, clothes, electronics and military gear.‍ ‍ See note 1 It helps protect your stuff if it gets stolen or damaged by a covered loss, even when it’s in storage‍ ‍ See note 2 or you’re traveling with it. If you’d like even more protection for your valuables, think about adding Valuable Personal Property insurance.

Protection for your finances

Claims Against You

If you're held liable for someone's injury or damage to their property, renters insurance may protect you and cover your legal costs. To help cover costs after you reach your renters policy limit, consider umbrella insurance.

Temporary Living Expenses

If a covered event leaves your home unlivable, renters insurance can help pay for temporary housing, food, transportation, storage, pet boarding and more. Learn more about loss of use coverage.

Medical Payments to Others

Costs for things like X-rays or ER visits for people injured on your property can add up. Renters insurance can help cover their injuries no matter who's at fault, including some accidents that happen away from your property.

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Protection for your finances

Claims Against You

If you're held liable for someone's injury or damage to their property, renters insurance may protect you and cover your legal costs. To help cover costs after you reach your renters policy limit, consider umbrella insurance.

Temporary Living Expenses

If a covered event leaves your home unlivable, renters insurance can help pay for temporary housing, food, transportation, storage, pet boarding and more. Learn more about loss of use coverage.

Medical Payments to Others

Costs for things like X-rays or ER visits for people injured on your property can add up. Renters insurance can help cover their injuries no matter who's at fault, including some accidents that happen away from your property.

Get a renters quote

Retrieve a saved quote

Coverage for floods

Your policy may provide coverage to help protect your things from flood-related damage. This is when rising water from outside causes damage to your home.

Depending on where you live, you might need to buy this extra coverage.

Coverage for earthquakes

Your policy may provide coverage if your things are damaged or fall during an earthquake, shock wave or tremor.

Depending on where you live, you might need to buy this extra coverage.

Other coverage you get

Replacement Cost Coverage

Your policy covers your belongings at current value with no depreciation.‍ ‍ See note 3 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.

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. This includes uniforms, insignia, flight cases, headsets and body armor.

Coverage Wherever You Go

Even when you’re traveling overseas, we cover the things you bring with you.‍ ‍ See note 4 If your luggage or belongings are stolen while traveling, you can rest easy. Your renters policy covers theft, no matter where you are.

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 1

So if you accidentally damage or lose your laptop, we'll help pay to repair or replace it up to your coverage limit.

Learn about electronics coverage

Learn more about renters insurance coverage.

Does renters insurance cover theft?

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Read article Does renters insurance cover theft?

Do I need insurance for my college dorm or apartment?

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Read article: Do I need insurance for my college dorm or apartment

Why you need renters insurance, especially in the military

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Read article: Why you need renters insurance, especially in the military

Rest easy with renters insurance coverage from USAA.

Get a renters quote

Retrieve a saved quote

Rest easy with renters insurance coverage from USAA.

Get a renters quote

Retrieve a saved quote

Related footnotes:

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

Related footnotes:

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

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

  3. 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.

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

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

Related footnotes:

  1. 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.

  2. Membership eligibility and product restrictions apply and are subject to change.

  3. 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, USAA Falcon Property & Casualty Insurance Company, and NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA EU DAC (Europe), and USAA EU DAC 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.

    Learn about USAA's use of Artificial Intelligence.

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