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Electronics coverage for your devices

Add our USAA Technology Coverage Endorsement‍ ‍ See note 1 for as little as 14 cents a day‍ ‍ See note 2 when you have a USAA Homeowners or Renters Insurance policy.

Restrictions apply. Electronics coverage is only .

Available locations

Renters policies

Our USAA Technology Coverage Endorsement is available in all states except Wisconsin. Some Wisconsin members can insure their electronics with a separate policy. To learn more, call us at 800-531-USAA (8722).

Excluding Cuba and South Korea, you can also add the endorsement in places we offer overseas insurance.

Homeowners policies

You can add the endorsement to a homeowners policy in:

• Alabama

• Arizona

• Arkansas

• Colorado

• District of Columbia

• Georgia

• Illinois

• Indiana

• Kentucky

• Louisiana

• Maryland

• Michigan

• Minnesota

• Mississippi

• Missouri

• Nebraska

• Nevada

• New Mexico

• Ohio

• Oklahoma

• Oregon

• Rhode Island

• Tennessee

• Texas

• Virginia

• Washington

• West Virginia

Some Wisconsin members can insure their electronics with a separate policy. To learn more, call us at 800-531-USAA (8722).



The endorsement isn’t available in U.S. territories or internationally.

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Get a home or renters quote with electronics coverage.

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What’s electronics coverage?

It helps protect your devices from common losses like drops, spills, accidents and more.

Home and renters policies cover things like theft, vandalism, most weather-related damage and fire. Without this electronics coverage, they don’t cover common accidents.

Already have a homeowners or renters policy?

If you have a policy with us, you can add electronics coverage to it.

  • Add to my homeowners policy
  • Add to my renters policy

What you get with tech coverage

Electronics coverage helps provide more insurance protection for your gadgets.

Accident protection

This covers common accidents like drops, spills and lost items. We'll help pay to repair or replace‍ ‍ See note 3 them up to your coverage limit. You'll only pay a $250 deductible.

Custom coverage

You can choose from between $1,000 and $10,000. When you choose your coverage limit, think about how much it would cost you to replace all your devices.

Devices electronics coverage helps protect

  • Desktop computers and laptops

  • This includes drones that weigh less than 10 pounds along with their accessories, like carrying cases and microphones. Equipment like batteries and propellers are also covered.

  • Fitness trackers

  • Gaming consoles

  • Home networking equipment

  • Theater and stereo systems includes equipment like HDMI cables and accessories like speaker stands.

  • Personal digital assistants

  • Smartphones

  • Smartwatches and smart jewelry

  • Tablets and e-readers

  • TVs

  • Virtual reality equipment

Get extra protection for your electronic devices.

Getting Extra Protection for Your Electronic Devices

Video Duration: 0 minutes 37 seconds

Introduction: Elapsed time 0 seconds [00:00]

You were smart to protect your possessions with USAA Renters or Homeowners Insurance.

Now, you can add extra protection for some of your electronic devices like phones, gaming consoles, laptops and much more.

Description of Visual Information: [Add extra protection for electronic devices: smartphones, gaming consoles, computers, tablets, drones (less than 10 lbs.), televisions, stereo systems, virtual reality equipment and much more.]End of description

With this additional coverage, USAA will pay to repair or replace your devices if you accidentally damage or break them. You would just pay a $250 deductible.

You've worked hard for your prized possessions. Protect your stuff by adding technology coverage to your policy, today.

End: Elapsed time 0 minutes 37 seconds [00:37]

Why add tech coverage?

If you’ve ever misplaced your cell phone, cracked your smartwatch, or spilled something on your laptop or desktop computer, you know it can be a hassle to come up with the money to repair or replace it.

With electronics coverage, you can get extra protection for your gadgets. This can help cover accidental damage and loss for items that may not be covered under your current policy.

Read article about why you should add tech coverage.

Electronics coverage FAQ

If you have tech coverage with another company, look at what your current policy covers and compare it with ours. Find out what your deductible is, what items are covered and what you're covered for. 

Our tech coverage has a $250 deductible and covers most of your electronics for common losses like drops, spills, theft, loss and more. Once you understand your coverage options and what coverage you need, choose the one that works best for you.  

USAA computer coverage protects laptops, desktop computers and tablets only for things like drops and spills. Electronics coverage includes these, plus other devices like smartphones and watches, TVs, gaming systems, and more. If you already have computer coverage, you have two choices: 

  • You can switch to the electronics coverage to protect more devices. If you switch, you can't go back to only computer coverage. 

  • You can keep computer coverage. It'll still cover your laptops, tablets and desktop computers. 

The USAA Insurance Agency does offer a cell phone protection plan. It doesn’t cover all your electronics, but if you only have a cell phone or that’s your main concern, this may be a good option for you. The coverage will replace your phone if it’s damaged or lost.

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Help protect your gadgets with electronics coverage.

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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. All coverages may not be available in all locations.

  2. Countrywide average price for policyholders who have $1,000 in coverage as of January 2025. Rates may vary by location and risk. Rates are subject to change.

  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.

Related footnotes:

  1. 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.

  2. 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 S.A. (Europe), and USAA S.A. 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.

  3. Mobile phone protection plans are not issued by United Services Automobile Association (USAA) or its affiliates. The USAA Insurance Agency (the "Agency") contracts with third-party companies that are not affiliated with USAA to offer products and services ("third-party products") on their behalf. The Agency receives compensation on the sale or renewal of third-party products. Any protection plan descriptions are brief and are subject to the terms and conditions of the plan. Read your plan for details. USAA Insurance Agency means USAA Insurance Agency, Incorporated, or USAA of Texas Insurance Agency. California License #0D78305, Texas Lic. #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288.

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