USAA Rental Property or Landlord Insurance helps cover homes you own and rent to others.
USAA Rental Property Insurance, also known as landlord insurance, helps protect the properties you own but rent out to others.
Like homeowners insurance, it can help pay to repair or rebuild your rental if it's damaged or destroyed by something covered by your policy. That includes most weather-related damage, fire, vandalism and accidental water damage.
It also helps provide liability coverage if you're held responsible for someone else's injuries or property damage.
Our policy can cover you if you rent your place to long-term tenants or through vacation rental sites like Airbnb or Vrbo®.
Here’s how we can help protect you with landlord insurance coverage.
If your home and the personal items you keep at the rental are damaged or destroyed by a covered loss, your policy can help rebuild, repair or replace them.
If there's a covered loss and you're repairing your property because it's unlivable, this could help replace rental income.
If you're at fault for someone's injuries or property damage, personal liability could help pay for legal and medical costs.
If you share, exchange or rent your home for less than a month, home sharing coverage offers more protection for personal liability and the things you own and keep in the rental.
We can generally insure up to 10 properties built to accommodate up to four families.
This includes your traditional free-standing homes as well as townhouses — attached single-family homes that share at least one common wall. They're built on permanent foundations, have their own entrances and can accommodate only one family.
These are generally duplexes and quadruplexes where multiple families live separately. They can be up to four stories with all homes under one roof.
These are often in high-rise buildings but can be detached. They may have common areas like gyms, pools and parking garages that you share with other residents.
You’ve got good reasons to choose us when it comes to insuring your rental property.
You can get a quote for up to 10 properties, buy coverage online today and be protected tomorrow.
After paying your deductible, your policy can pay to repair or replace things you own in your rental at today’s cost. So you could replace your old fridge with a new one.
If you’re called away for duty, you can:
Save on your premium when you bundle your rental property and auto insurance.
Save up to 15% if you don’t have any claims for five years.
Save up to 5% with a monitored fire alarm or security system.
Landlord insurance costs can depend on a variety of things.
Landlord insurance doesn’t cover floods. Even if you don’t live in a flood-prone area, you may want to consider adding a flood policy through the USAA Insurance Agency.
A personal umbrella insurance policy can pick up where your landlord insurance leaves off to help pay for the remainder of a liability claim that exceeds its limits.
You’ll want to consider how much it would cost to rebuild your rental if it’s destroyed.
Also, think about liability coverage in relation to your finances and assets. You’ll want to be sure you’re protected if a tenant sues you after they’re injured on your property.
It generally covers accidental damage your tenants may cause, like a grease fire in the kitchen. It could also cover vandalism as long as your property isn’t vacant for an extended period of time.
It usually won't cover things like general wear and tear, earthquakes, damage caused by animals and rodents, or your tenants' stuff. To help protect their stuff, your tenants will need to get renters insurance.
If your rental property is vacant, your coverage might be limited. You may not be covered for things like broken windows or vandalism.
We can help protect you in these situations, but adding vacancy protection comes with a premium.
To make sure you’re covered, update your policy by answering “no” to the question “Will this property be occupied?”
You can easily change your policy and check for discounts online anytime.
USAA membership gives you access to other home solutions through USAA Perks®.
Save up to 15% off moving and storage.
Choose a proven home improvement contractor from a nationwide network.
