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What’s renters insurance?

Renters insurance helps protect your property and finances. It can pay to repair or replace your things if they’re stolen or damaged by a covered event. Liability coverage helps when you’re responsible for someone else’s injury or damage to their property.

Some landlords may require you to have a renters policy. Whether you're in an apartment, house, dorm or military base, renters insurance can help protect you from the unexpected.

Are you a landlord looking to insure a rental?

We offer USAA Rental Property Insurance, also known as landlord insurance. It provides liability coverage and helps pay to repair or rebuild your rental if it’s damaged or destroyed by a covered loss.

Learn about landlord insurance

What does USAA Renters Insurance cover?

Renters insurance helps cover you and your stuff when the unexpected happens. Here are some of the things we can help protect you against.

Claims against you

If you’re liable for someone’s injury or damage to their property, this may protect you and cover your legal costs.

Theft and vandalism

If someone steals something you own, like your phone or laptop, this can help replace it based on what it would cost today. It can also help protect you from identity theft.‍ ‍ See note 1

Flood

If flood waters damage your furniture and you need to replace it, our renters insurance can help cover the cost.

Earthquake

If your things are damaged or fall during an earthquake, shock wave or tremor, our policy helps protect them.

Smoke, fire or lightning

If smoke from a fire in your dorm ruins your clothes, renters insurance can help you replace them.

Extra protection for electronics

Home and renters policies cover losses like theft, vandalism, fires and most weather-related damage. Our electronics coverage options offer protection for more common accidents.‍ ‍ See note 2

So if you accidentally damage or lose your laptop, we'll help pay to repair or replace it up to your coverage limit.

Learn about electronics coverage

Do I need renters insurance?

You may need renters insurance if:

  • You or your child live in a dorm, on a base or rent a room.

  • You or your child rent a house, condo, townhome or apartment.

  • Your landlord requires you to get renters insurance.

  • You need help with repairing or replacing items stolen or damaged in a covered loss.

  • You want to make sure your friends are covered if they get hurt or their stuff is accidentally damaged in your home.

  • You're moving, traveling, PCSing or keeping stuff in storage.

  • You live in an area that has destructive weather like hail, tornadoes or hurricanes.

Coverage that supports military life

We understand that you have unique insurance needs while serving your country. That’s why we offer renters insurance with benefits designed for military members.

For example, we’ll waive your deductible if your military equipment gets damaged or stolen.‍ ‍ See note 3 And if you live on base, you can save up to 28% on your renters policy.‍ ‍ See note 4

Explore military renter benefits

Peace of mind for first-time renters

Young adults moving away from home may have unique living situations. Renters insurance covers you as a first-time renter in a dorm, on base or in your first apartment.

Help protect your finances and your stuff with USAA Renters Insurance.

Explore first-time renter benefits

How much does renters insurance cost?

You can expect to pay as little as $10 a month for a renters policy.‍ ‍ See note 5 What you pay depends on how much you cover and what deductible you choose.

A higher deductible can mean you pay less for your policy, but you'd pay more out of pocket if you file a claim. With a lower deductible, you pay a little more per month but less for a covered claim.

Can I get a discount on renters insurance?

If you're looking to save on renters insurance, we have discounts to help make it work for your budget. Plus, you can save when you bundle renters insurance with other USAA policies.‍ ‍ See note 6

Learn about renters discounts

How much coverage do you need?

Everybody’s needs are different. We can help you customize a policy that’s right for you.

Personal belongings

The amount of coverage you need depends on how much your belongings are 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 tomorrow.

Liability

Liability coverage helps protect you from lawsuits and the cost of someone else’s medical bills. You need to consider:

  • Your landlord’s requirements.
  • The value of the things you own including savings, investments and income.
  • The risk of someone getting hurt or accidentally damaging their stuff in your home.
Learn about renters coverage

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Other policies you may need with renters insurance

Valuable Personal Property insurance

For as little as $2 a month,‍ ‍ See note 7 Valuable Personal Property, or VPP, insurance provides extra protection for items like jewelry, guns and more. And there's no deductible.

Learn about VPP

Pet insurance

Help protect your furry friends from head to tail for most accidents and illnesses with coverage through the USAA Insurance Agency.

Learn about pet insurance

Umbrella insurance

Sometimes your renters insurance can’t cover all the medical bills from someone’s injury. Umbrella insurance can help pay the remainder of a covered claim after you reach your renters policy limit.

Learn about umbrella

Renters insurance FAQ

It depends. If you use a professional moving company and a shipping contract, renters insurance may give you coverage if the moving company loses your things.

Your policy may also cover some types of damage, but keep in mind this won't include breaking, marring or scratching caused by the moving company.‍ ‍ See note 8 You may want to consider buying their coverage for added protection.

If you already have renters insurance, remember to update your policy with your new address and be sure it still meets your needs.

We make it easy to change policies if you buy a house and get USAA Homeowners Insurance. Just make sure your homeowners policy is active and your things arrive at your new home before you cancel your renters insurance.

Your renters policy automatically covers family members who live with you, including your spouse and children. Roommates need to buy their own renters insurance. You can update your policy anytime by logging on to usaa.com.

Renters insurance covers your stuff when it’s in storage, up to your policy’s limit. This applies whether you live in the U.S. or overseas. Some storage companies might require you to get coverage.

Keep in mind that your renters insurance won’t cover broken items or damage caused by mildew, rodents or insects. You may want to consider adding the storage company’s coverage for more protection.

You don’t need both policies for the same location.

But you may want a separate renters policy if your child is away at school. Or if you own your home and rent another home part of the year, you may want renters insurance for the home you’re renting.

Learn more about renters insurance.

What is renters insurance?

Article: 4 minutes

Read article: What is renters insurance?

Is renters insurance worth it?

Article: 5 minutes

Read article: Is renters insurance worth it?

Why you need renters insurance, especially in the military

Article: 7 minutes

Read article: Why you need renters insurance, especially in the military

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. All renters policies with personal property coverage include up to $5,000 of identity theft coverage.

  2. All coverages may not be available in all locations.

  3. No deductible will be applied for a covered loss to your military uniforms or military equipment while you are on active or reserve duty.

  4. Renter's On-base discount is only available to qualifying members. Some locations may offer a higher discount. Other restrictions apply.

  5. 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 2025. Rates vary by location and risk. Rates are subject to change.

  6. Multiple product savings do not apply in all states or to all situations. Savings subject to change. Restrictions apply.

  7. Annual policy providing $2,500 on scheduled jewelry as of February 2025. Rates may vary due to location.

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

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.

  2. Coverage descriptions are brief and subject to the terms and conditions of your insurance policy. Read your insurance policy for details. Applications subject to underwriting.

  3. The above coverage descriptions are intended to provide general information and are not an insurance contract. All coverages are subject to the terms, exclusions and conditions of the insurance policy. Read the insurance policy for complete details. Product, coverage and coverage limits options may vary by insurance company and location. Applications for insurance are subject to underwriting by the insurance company.

  4. In Florida, for policies including coverage for Windstorm and Hail, USAA offers premium credits for structures built with hurricane mitigation construction techniques. The amount of credit is subject to information submitted via the Uniform Mitigation Verification Inspection Form. Use this link to find more information on Premium Discounts for Hurricane Loss Mitigation. https://floir.com/property-casualty/premium-discounts-for-hurricane-loss-mitigation

  5. Oregon properties: USAA does not consider wildfire mitigation actions for underwriting purposes. USAA does consider wildfire mitigation actions for premium credits under rate plans for Homeowners policies only. To be eligible for a wildfire premium mitigation discount, the home must be located in an active Firewise community. For more information on FireWise Community visit firewise.org. The discount will be removed at the following renewal if the community does not maintain the FireWise Community certification.

  6. 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, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA EU DAC (Europe), and USAA S.A. UK Branch (pending cancellation to align with the pending branch authorization application) 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.

  7. Pet Health Insurance is administered by Embrace Pet Insurance Agency, LLC (Lic. No 0G89328) and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8) and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Discounts may vary and are subject to change. Premiums are based on the current age of your pet. Premium may increase due to the age of your pet at renewal. Initial premiums may be impacted by the species or breed of your pet. Premium may change based on your home address.

    The USAA Insurance Agency receives compensation on the sale or renewal of third-party products. © 2025 American Modern Insurance Group, Inc. For full terms and conditions, visit https://www.embracepetinsurance.com/coverage/embrace-terms.

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