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Where renters insurance has your back

If you’ll be calling any of these places home while you go to school, we can help you protect your stuff and your finances with renters insurance.
 

  • College dorm
  • Off-campus apartment
  • Housing at a service academy
  • Housing at a senior military college

Common things you can cover

  • TVs and laptops

  • Smartphones and headphones

  • Gaming consoles

  • Military uniforms, clothing and shoes‍ ‍ See note 1

  • Bicycles

  • Books

  • Jewelry

  • Furniture you own

Option to buy more coverage 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 2

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

Why choose us

Low rates

When you move out on your own, it can sometimes be difficult to budget. Get a policy for as low as $10 a month or as little as 33 cents a day.‍ ‍ See note 3

Bundle and save

You can save up to 10% on renters insurance if you have your own auto policy with us.‍ ‍ See note 4

Replacement cost coverage‍ ‍ See note 5

Let’s say your TV is stolen or damaged. We'll calculate its value based on what the same model would cost today.

Flexible payment date‍ ‍ See note 6

You don’t have to stick with the same due date for your payments. You can change it to fit your needs.

Claims made easier

The USAA Mobile App makes it easy to file and track your renters claims.

Go beyond a renters policy.

Valuable Personal Property, or VPP, insurance provides extra coverage for items like a class ring, camera, guitar or smartwatch. There's no deductible.

You may also qualify for additional savings when you bundle VPP insurance with renters insurance.‍ ‍ See note 7

Learn about VPP insurance

Renters insurance for students FAQ

It depends. If you live in a dorm, you may be covered by your parent’s homeowners insurance policy. But there are coverage limitations.

Also, if you file a claim, you could pay more out of pocket because a homeowners deductible is generally higher than a renters one.

So, if you’re moving out for school, it can help to get your own renters policy. You’ll have the coverage you need no matter where student life takes you.

They usually don’t. Some places may give you information about where to get coverage, but they typically won’t offer it as part of their student housing services.

Yes. Your renters policy can cover your things if someone steals them from your car.

Typically, your roommate’s stuff isn’t covered by your policy unless you accidentally damage it.

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

  3. Countrywide average price for policyholders who have $2,500 personal property coverage, $100,000 liability coverage and $5,000 medical payments coverage as of January 2025. Rates vary by location and risk. Rates are subject to change.

  4. 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.

  5. 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.

  6. Restrictions may apply to installment payment options.

  7. Multiple product savings do not apply in all states or to all situations. Savings subject to change. Restrictions apply.

Related footnotes:

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

  2. 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.

  3. The above coverage descriptions are intended to provide general information and are not an insurance contract. All coverages are subject to the terms, exclusions and conditions of the insurance policy. Read the insurance policy for complete details. Product, coverage and coverage limits options may vary by insurance company and location. Applications for insurance are subject to underwriting by the insurance company.

  4. 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.

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