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LAST UPDATED: February 15th, 2021

USAA is dedicated to meeting the needs of military members and their families through its financial services and insurance products. Its renters insurance is no exception. 

With USAA renters insurance, you'll have liability and personal property coverage that's effective around the world. USAA's policies also include earthquake and flood insurance coverage.

Top Ranked Companies


The Good

  • Online Quote
  • Competitive Policies
  • Flood and Earthquake Coverage Included
  • Coverage Around the World
  • High Financial Strength Ratings

Online Quote

USAA offers online quotes for its renters insurance policies. Online quotes are common for the insurance industry, so this offering makes USAA competitive.

Competitive Policies

USAA's renters insurance policies include common coverage: liability and personal property. Covered items include military equipment, clothing, bikes, art, etc. You can add specific coverage for high-cost items to your renters policy, too.

If you want just liability or just personal property coverage, you don't have to buy the combined coverage that USAA's standard policies offer.

USAA's policies also offer replacement cost coverage, which means it will reimburse the replacement cost instead of the actual cash value.

Flood and Earthquake Coverage Included

Unlike many of its competitors, USAA's policies include flood and earthquake insurance coverage. Earthquake and flood insurance are typically sold as separate policies, so this inclusion makes USAA stand out from other insurers.

Coverage Around the World

Another way USAA stands out is that it offers coverage throughout the world. This flexibility makes it easier for military families stationed overseas.

In addition to global coverage, USAA's renters insurance covers your belongings through moves, storage, and in your home. This level of coverage is another benefit of choosing USAA, especially for military families. 

Keep in mind that this coverage has its own terms and conditions, and there may be certain kinds of damage that are not covered.

High Financial Strength Ratings

USAA is a competitive insurance company because it has earned high financial strength ratings. These ratings indicate that USAA is likely to be able to make claims payments, which is the reason you buy insurance.


The Bad

  • Few Customer Reviews
  • Membership Requirement
  • Unclear If Loss of Use Coverage Available

Few Customer Reviews

USAA does not have many renters insurance reviews on, so conclusions about the customer experience are not currently available.

Membership Requirement

You must be a USAA member before you can access USAA insurance products and financial services. USAA does not charge membership fees. However, you need to meet its eligibility requirements.

To be eligible for membership, you must be a current or former military member or an immediate family member of a USAA member. 

If you're not eligible for USAA membership, you'll need to find another insurance provider.

Unclear If Loss of Use Coverage Available

USAA's website is unclear on whether or not it offers loss of use coverage. Loss of use coverage helps cover living expenses if your current home becomes inhabitable according to the terms of the policy.

Loss of use coverage is a common offering, so check with USAA directly to see if it's available. If not and you want this coverage included with your renters insurance policy, you'll need to consider other coverage options.


The Bottom Line

While more USAA renters insurance reviews are needed for a full recommendation, the insurer's renters policies are worth exploring further if you are a USAA member. 

USAA is a reliable insurance company and offers competitive renters insurance with personal property and liability coverage. You'll be covered worldwide, which is an excellent feature for military families. 

USAA's policies also include coverage for floods and earthquakes. This is very uncommon for the industry and makes USAA's policies more competitive.

The only potential drawback to USAA coverage is that it may not offer loss of use coverage. If this coverage is important to you, check to see if USAA offers it.

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Jada Urquhart Orlando, FL

I currently have renters insurance through USAA. It is very easy to pay for my insurance every month and it allows to pay a large amount ahead of time, so that you can get ahead on your payments.

3 years ago