Where you're covered
When you have our renter's insurance, you're covered at home, during PCS and deployment, and everywhere in between. For example, we can help cover your belongings if you take some things with you when you deploy but put other stuff in storage.See noteSee note3
- In barracks or a military dorm
- On a moving truck
- On base or post
- In a storage unit
- In an apartment or house
- In a vehicle
- With family or friends
- While traveling with it
Other benefits for military renters
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Military uniforms and gear
Pay no deductible for claims covered by your policy.See noteSee note4 This includes uniforms, insignia, flight cases, headsets and personal body armor.
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Automatic war coverage
Your stuff is covered and you'll pay no deductible if it's damaged, destroyed or abandoned due to war outside the U.S.See noteSee note5
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Military-friendly payments
We can help you make your payments around your military pay schedule at no cost.See noteSee note6
Why choose USAA Renters Insurance?
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Your things are protected with replacement cost coverage.See noteSee note7
We'll decide if your things can be repaired or replaced at current value. For example, we'll either pay you to repair a damaged TV or buy a new one.
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We make it easy to file claims.
Manage your policy and claims from anywhere using the USAA Mobile App.See note8
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Replace renters insurance for homeowners insurance when you're ready.
We make it easy to change your policy when your needs change. We can help you get a customized homeowners policy and cancel your renters insurance when the time comes.
You may qualify for discounts as a military renter.
A renters policy could cost you as little as 33 cents a day. See noteSee note2 We offer multiple discounts to help make your premium more affordable.
- Up to 28% off if you live on base See noteSee note1
- Up to 10% off if you bundle renters and auto insuranceSee noteSee note9
- Up to 5% off if you have fire alarms or other protective devicesSee noteSee note10
- Up to 45% off if you attend and live at a U.S. service academySee noteSee note11
Get more protection for your electronics.See noteSee note12
A standard policy doesn't cover lost devices, or damage to electronics from drops and spills. But you can upgrade your renters policy to add extra protection for many of your devices. It costs as little as 14 cents a day.See noteSee note13
- Computers, laptops and tablets
- Smartphones and wearable tech
- Gaming consoles
- TVs and monitors
- Drones under 10 pounds
Military renters insurance FAQ
Insurance resources for military renters
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Why you need renters insurance, especially in the military
Renters insurance helps protect your belongings in more ways than you might think. Find out why you need renters insurance, especially in the military.
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Does renters insurance cover theft?
Discover how renters insurance covers theft. Find out what's covered, what's not and how best to protect your personal property.
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Why get computer and laptop insurance?
Discover the benefit of having electronics coverage if you accidently damage or lose your laptop, cell phone, tablet and other expensive devices.
Have questions about renters insurance?
We can help. To speak with a USAA representative, call 800-531-USAA (8722).
We can help. To speak with a USAA representative, call 800-531-USAA (8722).