If you’re an active-duty service member, veteran, or family member, USAA Renters Insurance offers trusted protection, exceptional service, and affordable rates. With coverage tailored to military life—including deployments and off-base housing—this insurance can provide peace of mind wherever you’re stationed. Here’s how to apply and what to expect along the way.
Rates, Terms, and Fees
USAA renters insurance is known for its value and reliability. Though rates are generally affordable, the cost of your premium depends on a few key factors:
- Location: Your rental address (city and ZIP code) impacts your rate based on local crime rates, weather risks, and property values.
- Coverage Limits: The more coverage you choose for personal belongings or liability, the higher your premium will be.
- Deductible Amount: A higher deductible can lower your monthly or yearly premium, while a lower deductible means you’ll pay less out-of-pocket when filing a claim but more each month.
- Add-on Coverages: Optional protections like flood insurance, earthquake coverage, or replacement cost coverage will increase your premium but can provide additional peace of mind.
- Discounts: USAA offers multiple discount options for bundling policies, maintaining a claim-free record, or having safety features in your rental (like smoke detectors or monitored alarms).
Policies are typically issued on a 12-month term. At the end of that period, your policy automatically renews, and the premium may adjust based on any claims made or updates to your risk profile. You can pay monthly, quarterly, semi-annually, or annually—opting to pay the full year upfront may qualify you for a small discount.
How to Apply for USAA Renters Insurance
Getting renters insurance through USAA is quick and easy, with a fully digital or phone-based application process:
- Check Eligibility
You or a family member must qualify for USAA membership. Eligible individuals include active-duty military, veterans, and their spouses or children.
- Get a Quote
Visit USAA.com or call USAA directly. You’ll answer a few questions about your rental property (location, type of dwelling) and estimate the total value of your personal property.
- Customize Your Policy
USAA’s quote tool helps you select coverage limits, deductibles, and optional add-ons like coverage for high-value items or natural disasters. You can also choose liability protection and living expense coverage in case your rental becomes uninhabitable.
- Review Discounts
Ask about eligible discounts—especially if you bundle renters insurance with other USAA products like auto insurance. These savings can lower your total premium significantly.
Is USAA Renters Insurance Worth It?
For members of the military community, USAA Renters Insurance is one of the top choices available. With solid coverage, responsive customer service, and specialized benefits for service members, it stands out in the industry.
It’s especially valuable if you:
- Want coverage that moves with you, whether you’re stationed on base or renting off-base.
- Value replacement cost coverage, which pays to replace lost items with new equivalents.
- Are looking for a trusted company with decades of experience serving military families.
- Want to bundle insurance policies to save money and simplify your finances.
While other companies offer renters insurance, few provide the military-specific focus, convenience, and value that USAA consistently delivers. If you’re eligible, USAA is a smart and secure choice for protecting your home and belongings.
Disclaimer: This website/blog is for informational purposes only and does not constitute legal, financial, or insurance advice. For specific insurance-related guidance, please consult a licensed insurance professional.
All information in this and other BOISLA articles is subject to change over time. Please check for updates directly with the institutions and companies mentioned. Approval is subject to the institution’s review.
REFERENCES:
Read more about insurances in https://boisla.com/category/insurance/
