$30K personal property coverage
$160 /year
$13 /month
USAA renters insurance has some of the broadest coverage in the industry. However, only the military community and select others can buy it.
Coverage
More than average
Discounts
Great set of discounts
NAIC complaints
Fewer than expected
About USAA renters insurance
USAA renters insurance earned 5 out of 5 stars in our analysis, thanks to its strong coverage. USAA serves veterans and active military with renters policies that cover more than most.
Nearly every insurer pays for things like theft and fire damage, but USAA also covers floods and earthquakes. (Insurance for these disasters usually costs extra.) Add replacement cost coverage for your stuff, and USAA has some of the most complete coverage available for renters.
Even with this bonus coverage, USAA renters insurance costs less than average, according to NerdWallet’s rate analysis. The insurer is among our Best Renters Insurance Companies.
Best for: Members of the military community seeking broad coverage. For example, USAA doesn’t charge a deductible if your military uniform or equipment is damaged in a covered claim. The company may also cover your belongings if you’re deployed overseas or living outside the U.S.
Not ideal for: Renters who don’t meet the company’s eligibility requirements.
USAA eligibility
USAA renters insurance is available only to members. The following people are eligible for USAA membership:
Active members of the U.S. military, including the National Guard and reserves.
Military veterans who were honorably or generally discharged.
Precommissioned officers.
Current or former employees of certain federal agencies, such as the FBI or Secret Service.
Children of USAA members.
Spouses of active military or veterans.
Widowed spouses of USAA members, or divorced spouses who haven’t remarried.
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What USAA renters insurance covers
USAA renters insurance covers your personal belongings and can pay for you to live elsewhere if your home is uninhabitable after a claim. Learn about these and other parts of a standard renters insurance policy.
USAA also includes the following types of coverage, which often cost extra from other companies:
Flood insurance. USAA works with the National Flood Insurance Program to cover your items in case of flood damage.
Earthquake coverage. USAA will also pay for damage due to earthquakes.
Replacement cost coverage. Some renters policies cover your items on an actual cash value basis. Say a fire damages your 5-year-old leather recliner. With actual cash value coverage, the insurance company would pay out only what the chair is worth at the time of the accident (likely far less than what you originally paid for it). With replacement cost coverage, USAA will pay enough to buy a new recliner.
Optional USAA renters insurance coverage
You may be able to add the following types of coverage to a USAA renters policy:
Electronics. Adding USAA’s tech package gives your gadgets coverage beyond what’s offered in a standard renters policy. Say you spill coffee on your laptop keyboard or lose your phone on the subway. USAA will cover your device, minus a $250 deductible.
Valuable personal property. Got expensive jewelry, musical instruments or guns? Because renters policies have limited coverage for these items, you may want to buy extra insurance to be sure they’re fully covered. Unlike your renters policy, the valuable personal property coverage has no deductible. An appraisal may be required.
What’s not covered
USAA insurance covers more than most other renters policies, but it still has some exceptions. The following won’t be covered:
Damage you cause, such as a screen that cracks when you drop your phone.
Valuable items like artwork (unless you’ve added extra coverage).
USAA renters insurance rates
The average cost of USAA renters insurance is $160 a year, or about $13 a month, according to NerdWallet’s rate analysis. That’s just under the national average of $165 per year. Here’s how USAA’s rates stack up against some of its competitors.
Our sample rates were calculated for 30-year-old renters with a $500 deductible, $30,000 of personal property coverage and $100,000 in liability coverage.
Where USAA renters insurance is available
USAA renters insurance is available in all 50 states and Washington, D.C. It may also be available if you're stationed outside the U.S. Contact USAA directly for specifics.
Availability may change at any time. Coverage may not be available to all renters in a given state.
» MORE: The cheapest renters insurance
Discounts
Depending on where you live, you may be able to save on your renters policy by:
Bundling it with a USAA auto policy.
Not filing any claims.
Having a home security system, automatic sprinklers or a monitored fire alarm.
Living on a base or in a service academy.
Attending a senior military college as a cadet.
Some of USAA’s discounts are quite generous. The company advertises savings up to 45% if you’re enrolled in a U.S. service academy.
Consumer satisfaction
Complaints: One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. USAA scores highly on this measure, drawing a low proportion of home insurance complaints compared to other U.S. insurers.
We determined our complaint scores by analyzing three years' worth of data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums.
JD Power rating: USAA renters insurance scored above average for customer satisfaction in JD Power’s 2026 U.S. Home Insurance Study.
Online tools
Website: You can use the USAA website to get a quote, pay your bill, view policy documents and file claims. The site offers advice on topics like insurance and prepping for natural disasters.
Mobile app: The company’s highly rated mobile app lets you access insurance and other USAA products, such as bank accounts and credit cards. You can use the app to pay bills, report claims and see policy information.
How to file a claim with USAA
You can submit a renters insurance claim online or through the app. Once filed, you can log into your account to track the status of your claim. If you have trouble, call USAA’s main number at 800-531-8722.
How to contact USAA customer service
Phone: Call 800-531-8722.
Chat: You can get answers to quick questions from USAA’s “virtual agent.” Logged-in members may also be able to chat with a live representative.
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Other USAA products
NerdWallet's reviews of other USAA products can help you find the right coverage for your needs:
How we evaluate renters insurance companies
👋 I’m Sarah Schlichter, a senior writer and content strategist covering renters insurance. I built NerdWallet’s renters insurance rubric and did the research for this page to evaluate companies. I gathered and analyzed data across four major categories:
Companies get better scores when they have consumer-friendly features and low rates of complaints.
Consumer complaints
We analyze the number of consumer complaints reported to the National Association of Insurance Commissioners. The higher the rate of complaints, the lower a company's score.
Digital tools
We look at how easy it is to interact with insurers by evaluating their digital tools, website and customer support methods. The best insurers have user-friendly features like online quotes and live chat.
Companies earn points based on how generous and customizable their policies are.
Coverage for personal property
Insurers that cover your belongings on a replacement cost basis by default get higher scores. Those with less generous actual cash value coverage score lower.
Optional coverage
For this category, we look at whether each company offers some of the most useful add-ons, such as extra coverage for valuables.
The more affordable a company's policies are, the better its score.
We evaluate the discounts a company offers and, when available, its median rates.
Companies score well when they have a healthy balance sheet.
We evaluate an insurer’s ability to pay future claims by using assessments from independent agencies such as AM Best and Demotech. The top renters insurance companies have financial strength ratings of A, A+ or A++.
Frequently asked questions
Your policy covers your spouse, children or other family members who live with you. However, roommates will need their own policy. Learn more about sharing renters insurance with roommates.
Yes, USAA covers your belongings while they’re in a storage unit either in the U.S. or overseas.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.JD Power. 2026 U.S. Home Insurance Study. Accessed Sep 23, 2026.
Renters insurance star ratings methodology
NerdWallet’s renters insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including affordability, financial strength, consumer experience and coverage quality. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full renters insurance rating methodology.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners from 2023 through 2025. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Renters insurance rates methodology
To find the average cost of renters insurance in the U.S., NerdWallet calculated the median rate for tenants from multiple insurance companies in every ZIP code across all 50 states and Washington, D.C. Rates were rounded to the nearest $5.
Sample tenants were nonsmokers with good credit and no recent claims, living in a two-bedroom apartment. They had a $500 deductible and the following coverage limits:
$30,000 in personal property coverage.
$100,000 in liability coverage.
$10,000 in additional living expenses coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
We then compared the insurer's median rates to the median rates for other companies.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
