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What's personal property insurance for military service academy students?‍ ‍ See note 1

It’s a special type of policy you can get through USAA Renters Insurance. It differs from a traditional renters policy because it offers a lower deductible and tailored coverage for things like your military class ring and academy-issued laptop.

Our policy can also provide liability coverage. This helps protect you financially if you're held responsible for harm to another person or their things.

Who’s eligible?

We offer coverage to academy appointees and cadets or midshipmen who go to these schools:

  • U.S. Air Force Academy
  • U.S. Coast Guard Academy
  • U.S. Merchant Marine Academy
  • U.S. Military Academy at West Point
  • U.S. Naval Academy
  • Service academy preparatory schools

What does personal property insurance cover?

Theft and vandalism

You’ll have protection for identity theft,‍ ‍ See note 2 stolen items and vandalized personal property.

Most weather-related events

Your policy includes coverage for wind and flood damage to your stuff.

Fire and smoke

You’re covered for wildfires and smoke damage, and accidental fires inside your academy residence.

Protection for the things that matter most

Here are some things our policy can cover:

  • Class ring

  • Military uniforms, gear or equipment‍ ‍ See note 3

  • Academy-issued laptop

  • Clothing

  • Sports gear

  • Game consoles

  • Mobile phones

  • Televisions

  • Cameras

  • Guns

  • Musical instruments

Why get service academy renters insurance with USAA?

Extra benefits for cadets and midshipmen

You'll get more coverage for your class ring and academy-issued laptop at no extra cost. That means you're covered if they’re lost or accidentally damaged.

Low deductibles

A service academy policy has deductibles as low as $100 for each claim. Your deductible is only $50 for your academy-issued laptop. Plus, there's no deductible on your class ring.

Claims made easy

Quickly file and track your claims on the USAA Mobile App. Your claims adjuster will help you along the way.

Replacement cost coverage‍ ‍ See note 4

Your policy can cover your things at today’s cost, no matter their age. So you could get enough to buy a new TV or computer if your old one is stolen or damaged in a covered event.

Worldwide coverage‍ ‍ See note 5

Whether you're at the academy, in your hometown or overseas, our worldwide coverage goes with you. That way your belongings stay protected no matter where they 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

Taking your car to school?

Save up to 10% when you bundle your renters insurance with auto coverage.‍ ‍ See note 7

Learn about auto insurance

Service academy personal property insurance FAQ

It depends on how much your stuff is worth. To get an idea of what coverage you need, make a list of your things and estimate their value. Then, look at the total cost you might have to pay to repair or replace them. You can also increase your coverage limit if you think you need more protection.

You can also get a personal property policy through USAA Renters Insurance if you’re a senior military college cadet.

Liability coverage helps protect you if you're held responsible for harm to another person or their stuff.
You can choose if you want to include this coverage when getting a property policy. To help you decide, think about:
  • Your net worth, which is the value of your assets minus any debts you owe.
  • Your risk of being held financially responsible for injury or damages.

It could be. Your parents can check their homeowners policy to see if you have coverage when away from home or at the academy. One thing to think about — deductibles are generally higher on a homeowners policy than on service academy renters policies.

Let's say a homeowners policy has a $2,000 deductible and your $750 guitar is stolen. You won't be paid for the theft of your guitar because the guitar's value is less than the policy's deductible.

And once you start your military career, a big part of your financial journey can be a renters policy. Learn more about renters insurance for military members.

If you're attending a military service academy, you can apply to join USAA.

You'll need your branch of service, commissioning source and commissioning date to join. You can also call us for help at 800-645-1643.

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. Personal Property Insurance means Renters Protection Policy and endorsements provided by United Services Automobile Association.

  2. All renters policies with personal property coverage include up to $5,000 of identity theft coverage.

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

  4. 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.

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

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

  7. 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.

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. 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.

  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, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA EU DAC (Europe), and USAA S.A. UK Branch (pending cancellation to align with the pending branch authorization application) 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.

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