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USAA Renters Insurance

Protecting what’s yours is easier than you think

Get your free quote in minutes. Award-winning service starts at just $10 a month.‍ ‍

Start your renters quote

Retrieve a saved quote

Peace of mind starts here

Get protection for your stuff, wherever life takes you.

Replacement cost coverage‍ ‍

Damaged or stolen items? Repair or replace them at today's value with no depreciation.

Coverage while on the move‍ ‍

Help protect items when you’re moving, traveling‍ ‍ or storing items away.

Easy and affordable

For as little as $10 a month, get protection you can count on.

Bundle with auto and save up to 10%‍ ‍

Bundle renters with your auto policy to save more.

Start your renters quote

Retrieve a saved quote

Are you eligible?

If you've served in the military, or if your spouse or parent is a USAA member, you may qualify for our coverage and support.

Check eligibility

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. 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 2026. Rates vary by location and risk. Rates are subject to change.

  2. 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.

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

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

  5. 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. 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. To join USAA, separated military personnel must have received a discharge type of Honorable or General Under Honorable Conditions. Eligible family members may also join USAA.

  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, USAA County Mutual Insurance Company, USAA Falcon Property & Casualty Insurance Company, 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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