USAA Renters Insurance Review

USAA is one of the insurers renters may research when deciding how to protect their belongings and personal liability. This is an independent company profile, not a ranking or endorsement. We do not sell or issue policies.

What distinguishes the shopping experience

USAA renters coverage is aimed at eligible members of the military community and certain qualifying family members. Eligibility should be checked before spending time on comparisons.

What to check in the renters policy

USAA describes replacement-cost coverage and other features on its own site, but a prospective member must still confirm how those terms apply to the offered policy.

A careful comparison includes three separate areas: personal property coverage, personal liability and additional living expenses after a qualifying covered loss. The words used in a quote may look similar across carriers, but deductibles, endorsements, sublimits and exclusions can differ materially.

A practical comparison scenario

For a move between duty stations, ask about property away from the main residence, temporary storage and when you must update your insured address.

Questions to ask USAA

• Is a renters policy offered for my precise ZIP code and type of rental?
• Which entity underwrites and services the policy?
• Is replacement-cost coverage included or offered separately?
• What are the restrictions for valuable property and business equipment?
• How do I report a claim and track its progress?
• What are the policy’s exclusions for floods, earth movement and gradual damage?

Where to verify current information

Use the official USAA website for available products, and consult the NAIC state insurance regulator directory for state-level assistance. Company features, eligibility and coverage can change. We have not independently obtained and rated comparable live quotes for every insurer in this directory.

For a broader explanation of the coverage terms, see what renters insurance covers and how to buy renters insurance.