Valuable personal property
Standalone policy for specific items like jewelry, cameras, art, guns and bows, musical equipment and silverware
- No deductible
- Covers lost items, drops and spills
- Limit depends on things you cover
What’s personal property insurance?
Personal property insurance helps pay to repair or replace your personal things, like your computer or jewelry, if they’re damaged or destroyed by a covered loss.
This type of coverage is typically part of a homeowners or renters policy. To get protection beyond what a home or renters policy covers, you can get separate policies for specific items.
What types of items can I insure?
Here are some examples of personal property you can cover.
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Antiques and art
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Cameras
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Clothing
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Electronics
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Furniture
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Guns and bows
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Home decor
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Jewelry and smartwatches
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Kitchenware
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Musical instruments
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Sporting goods
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Tools
Find out how you can cover your items.
If you live abroad, check out our overseas insurance options.
Learn how you can get extra coverage.
Homeowners and renters cover certain types of loss and may have limits on some items. To get protection for lost items and a wider range of accidental damage, we have options.
For electronics like TVs, gaming consoles and drones, add protection to your home or renters policy with our tech endorsement. See note 1
For these items, find out how a VPP policy offers more protection:
Learn how you can get extra coverage.
Homeowners and renters only cover certain types of loss and may have limits on some items. Personal Property Plus helps when you need more coverage. Find out how it gives extra protection for things like:
Why choose us
Award-winning service
We rank among the top insurers for customer service. As a USAA member, you'll get quality coverage and exceptional service.
Coverage that supports military life
We understand that you have unique insurance needs while serving your country. That’s why we offer policies with benefits designed for military members.
We have options for military equipment and things you take with you when deployed. Plus, we’ll waive your deductible if your military uniform gets damaged or stolen. See note 2
Replacement cost coverage See note 3
This covers your things at today's replacement cost with no depreciation. That means, if you have a covered claim, we’ll give you enough to replace your item with something similar in quality and value.
All you’d need to do is pay your deductible if your policy has one.
Bundle and save See note 4
We offer savings on your premium when you bundle auto and property policies.
Personal property insurance FAQ
This depends on how much your stuff is worth. You should consider:
- How much it would cost to replace your stuff.
- The value of things you have in storage.
- What you can’t live without or pay to replace.
Yes. Most personal property policies cover this gap for you. Auto policies usually offer limited coverage for things stolen from your car.
It can, but it usually won’t give you broad protection you need for special collections. To make sure you have the right coverage, the USAA Insurance Agency offers collectibles insurance.