You can report a renters claim quickly online or by using the USAA Mobile App.
Extra protection for your electronics
Electronics coverage offers protection beyond the standard renters policy for items like computers, tablets, mobile phones, wearable tech, gaming systems and TVs.
For as little as 14 cents a day, See note 2 you can get covered for things like drops, spills and lost electronics.
If your stuff gets damaged, we’ll pay the cost to repair it, or we may replace it with a new item up to your policy limits. You just pay the deductible.
How the claims process works
Steps to complete How the claims process works
How deductibles work
A deductible is what we subtract from your claim's total payment amount.
For example, if you had a $250 deductible and covered loss of a $1000, we'd subtract $250 from the loss and cover the rest.
How renewal works
In most cases, we’ll automatically start your policy renewal about two months before the end of your policy date. We’ll send you a new policy declarations page within 30 days of renewal.
If you’re on an automatic payment plan, we’ll tell you when your payment will come out of your account.
What happens to your renters policy when you move
Your renters insurance goes with you when you move. Just remember to update your policy with your new address and check that it still meets your needs.
If you buy a house, we make it easy to change to a USAA Homeowners policy. Make sure your homeowners policy is active and your things arrive at your new home before you cancel your renters insurance.
Military member benefits
- We'll waive the deductible on claims for military gear and uniforms.
- If you live on a military installation, you can save on your renters policy premium.
- War coverage is automatic for your stuff that’s damaged, destroyed or abandoned due to war outside the U.S.
- You can make payments around your military pay schedule.
Using renters insurance FAQ
You may want to add someone to your policy for a number of reasons. For example, if you get married, you’ll want to add your spouse so they can have protection too. Or, if you’re not married or related but are living together as cohabitants in a committed, long term personal relationship, you may be able to add coverage for them by adding the cohabitant endorsement if certain conditions are met.
However, if you’re not in a relationship with your roommate, your policy won’t cover their things, and they will need to purchase their own policy.
You can also add a landlord or additional interest on your policy. If you want to add your apartment complex, you need to have the name of the property management company.
Yes. Flood damage is caused by rising water, or floodwater coming from outside your property. Water damage is unrelated to outside flood water. Water damage could be from a burst pipe or rainwater coming in through a hole in the roof caused directly by either wind or hail.
Flood coverage usually doesn’t come standard with renters insurance, but it’s included with a USAA Renters Insurance policy.
It depends. If you use a professional moving company and have a bill of lading or another form of shipping or storage contract, then renters insurance may cover your things if they’re lost or have some kinds of damage.
But it won’t cover stuff that you move or store on your own. Keep in mind that your renters insurance also won’t cover breaking, marring or scratching caused by the moving company.
You may want to consider buying the moving or storage company’s coverage for added protection.
Help protect your belongings and more with renters coverage.
