Renters insurance helps cover what matters most.

Enjoy more peace of mind for as little as 33 cents a day.‍ ‍^{See note 4}

Get a renters quote Retrieve a saved quote

Renters insurance helps cover what matters most.

Enjoy more peace of mind for as little as 33 cents a day.‍ ‍^{See note 4}

Get a renters quote Retrieve a saved quote

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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.

Smoke, fire or lightning

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

Flood

If flood waters damage your furniture and you need to replace it, your renters insurance may cover the cost. Depending on where you live, you might need to buy this extra coverage.

Earthquake

If your things are damaged or fall during an earthquake, shock wave or tremor, your policy may provide coverage. Depending on where you live, you might need to buy this extra coverage.

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 1}

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 2} And if you live on base, you can save up to 28% on your renters policy.‍ ‍^{See note 3}

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.

Why choose USAA Renters Insurance?

Award-winning service

USAA Renters Insurance consistently wins top awards for overall satisfaction. As a USAA member, you'll get quality coverage and exceptional service.

Worldwide protection

We offer coverage no matter where you live or store your stuff. When you travel, we cover the things you bring with you.‍ ‍

Replacement cost coverage

Your policy covers your belongings at current value with no depreciation.‍ ‍ If your stuff gets damaged, we'll pay to repair it, or we may replace it with a new item valued up to your policy limits. You just pay your deductible.

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