If you’re renting an apartment, condo, or house—especially as a military member, veteran, or military family—protecting your personal belongings should be a top priority. Many renters mistakenly believe their landlord’s insurance will cover their belongings when disaster strikes. It won’t. That’s where renters insurance comes in.
USAA renters insurance has long been considered one of the best options for active-duty service members, veterans, and their families. Known for affordable premiums (averaging just $18/month), excellent customer service, strong financial ratings (A++ from AM Best), and military-specific benefits, USAA has built a stellar reputation as a go-to provider for military families seeking reliable coverage.
Quick Answer: USAA renters insurance is one of the most affordable and comprehensive options available for military members and veterans, with average premiums of just $18/month and unique benefits like included flood and earthquake coverage that most competitors charge extra for.
In this comprehensive 2026 guide, we’ll cover everything you need to know about USAA renters insurance: what it covers, how much it costs (with exact 2026 rates), real customer reviews and ratings, military discounts and benefits, how it compares to competitors, how to apply, and critical FAQs for military families.
What Is Renters Insurance & Why You Absolutely Need It
Before diving into USAA specifically, let’s cover the basics of why renters insurance matters.
The Reality: Your Landlord’s Insurance Won’t Protect Your Stuff
This is the #1 misconception that leaves renters unprotected. Your landlord’s homeowners insurance covers the building and their liability—not your personal belongings.
Scenario: A fire destroys your apartment. Your furniture, clothes, electronics, and everything else is gone. Your landlord’s insurance pays to rebuild the building. Your belongings? You’re out of pocket. Without renters insurance, that could mean $20,000-$40,000+ in losses.
What Renters Insurance Actually Protects
Personal property protection: Covers your belongings if they’re stolen, damaged in a fire, destroyed by weather, or harmed by covered perils.
Liability coverage: Protects you if someone gets injured in your rental and sues you for damages. Example: A guest slips on your wet floor, breaks their leg, and sues for $50,000 in medical bills and pain & suffering. Liability coverage pays.
Loss of use (Additional Living Expenses): Pays for temporary housing, meals, and transportation if your apartment becomes unlivable after a covered disaster.
Medical payments to others: Covers minor medical bills if a guest is injured in your rental (before they sue).
The Cost Equation
Without renters insurance: One disaster could cost $20,000-$100,000+
With renters insurance: Just $13-20/month ($156-240/year)
The math is obvious. Renters insurance is one of the cheapest and most valuable insurance products available.
What Is USAA Renters Insurance?
Company Overview
Founded: 1922 (over 100 years of history)
Parent Company: USAA Group (publicly traded, $40+ billion in assets)
Headquarters: San Antonio, Texas
Focus: Financial services and insurance for military members and families
Financial Strength: A++ from AM Best (highest possible rating)
Members Served: 13 million+ members (military, veterans, families)
Who Can Get USAA Renters Insurance?
USAA membership (and renters insurance) is limited to:
- Active-duty service members (all branches)
- Veterans (honorably discharged)
- Reserve and National Guard members
- Spouses of eligible members
- Children of eligible members (up to age 21, or older if in college)
- Eligible federal employees
Key point: You must be part of the military community to qualify. If you’re outside that community, USAA isn’t available to you.
Why USAA Is Different From Competitors
Military-focused design: Policies account for military lifestyle—frequent moves, deployments, worldwide coverage needs.
Included benefits others charge for: Flood and earthquake coverage come standard (most competitors charge $200-400/year extra).
Military discounts: Up to 28% discount for living on base, up to 20% for claims-free status, up to 45% for military academy attendees.
Bundling savings: Combine with auto insurance for up to 10% additional discount.
Digital-first service: Manage policies, file claims, and get quotes entirely online through USAA’s mobile app and website.
USAA Renters Insurance Coverage: What’s Included
Standard Coverage (Comes With Every Policy)
Personal Property Coverage
- Covers your belongings against theft, fire, vandalism, wind, hail, and other covered perils
- Coverage limits: Typically $25,000-$50,000 (you choose based on your needs)
- Replacement cost coverage: Replaces items with new equivalents (not depreciated value)
Liability Coverage
- Protects you if someone is injured in your rental and sues
- Standard limits: $100,000-$300,000 (you can choose)
- Covers legal defense costs and settlement/judgment amounts
Loss of Use (Additional Living Expenses)
- Covers temporary housing, meals, laundry, and utilities if apartment becomes unlivable
- Typically covers 12-24 months of reasonable expenses
- Includes hotel costs during emergency displacement
Medical Payments to Others
- Covers guest injuries (before they sue)
- Typically $500-$5,000 per person
- No deductible applies to these payments
Special Coverage (Included at No Extra Cost—This Is Unique!)
Flood Coverage
- Protects against damage from floods, rising water, heavy rains
- Most insurers charge $200-400/year extra for this
- USAA includes it for free
- Critical in flood-prone areas (Louisiana, Mississippi, Texas, Florida, etc.)
Earthquake Coverage
- Protects against earthquake damage
- Extremely rare to find included (usually costs $100-300/year extra)
- USAA includes it at no extra cost
- Valuable in California, Pacific Northwest, and other seismic zones
Replacement Cost Coverage
- Replaces items with new equivalents
- Most competitors charge extra for this or use depreciated “actual cash value”
- USAA includes replacement cost standard
Optional Add-Ons (Additional Cost)
Valuable Personal Property Coverage
- Higher limits and better coverage for jewelry, firearms, collectibles, art
- Covers accidental damage (not just theft/fire)
- No deductible on covered items
- Cost: $50-150/year depending on coverage
Personal Cyber Insurance
- Covers cyber fraud, identity theft, malware, cyberbullying
- Coverage limits: $10,000-$100,000
- Includes identity restoration costs
- Cost: $100-200/year
Extra Electronic Coverage
- Extended protection for accidental damage to electronics (beyond standard)
- Covers phones, laptops, tablets accidentally dropped or water-damaged
- Cost: $50-100/year
Business Property Coverage
- If you run a side business from home
- Covers business equipment and inventory
- Cost: Varies, typically $75-150/year
USAA Renters Insurance 2026 Rates & Costs
Average Monthly Premium
National average for USAA: $18/month ($216/year)
National average for all insurers: $14.91/month ($179/year)
USAA is slightly above national average, but the included flood and earthquake coverage makes it better value than competitors charging extra for those features.
Sample Quotes (January 2026)
Military student renting off-base apartment in Texas:
- Coverage: $25,000 personal property, $100,000 liability
- Cost: $12/month
- Includes flood & earthquake coverage
- Eligible for up to 20% military college discount
Veteran renting 2-bedroom apartment in California:
- Coverage: $40,000 personal property, $100,000 liability
- Cost: $18/month
- Includes earthquake coverage (valuable in CA)
- Eligible for claims-free discount (up to 20%)
Military family renting house in Florida:
- Coverage: $50,000 personal property, $300,000 liability
- Cost: $24/month
- Includes flood coverage (critical in Florida)
- Eligible for bundling discount with auto (up to 10%)
Active-duty member living on base:
- Coverage: $30,000 personal property, $100,000 liability
- Cost: $8/month
- Eligible for on-base discount (up to 28%)
- Includes flood & earthquake coverage
Cost Comparison: USAA vs Competitors (Same Coverage)
| Insurer | Monthly Cost | Annual Cost | Includes Flood? | Includes Earthquake? |
|---|---|---|---|---|
| USAA | $18 | $216 | ✅ Yes | ✅ Yes |
| State Farm | $16 | $192 | ❌ Extra ($300/yr) | ❌ Extra ($250/yr) |
| Allstate | $19 | $228 | ❌ Extra ($250/yr) | ❌ Extra ($300/yr) |
| Progressive | $17 | $204 | ❌ Extra ($275/yr) | ❌ Extra ($200/yr) |
| Lemonade | $15 | $180 | ❌ Extra ($200/yr) | ❌ Not available |
Total cost for comparable coverage (including flood + earthquake):
- USAA: $216/year
- State Farm: $192 + $300 + $250 = $742/year ($525 more!)
- Allstate: $228 + $250 + $300 = $778/year ($562 more!)
- Progressive: $204 + $275 + $200 = $679/year ($463 more!)
USAA wins by a huge margin when you include all the coverage they automatically provide.
Factors That Affect Your Rate
- Location: High-risk areas (flood zones, earthquake zones, high-crime areas) cost more
- Coverage limits: $25,000 in property coverage costs less than $50,000
- Deductible: Higher deductible = lower premium ($500 vs $1,000 makes a difference)
- Claims history: Clean record = lower rates; claims increase premiums
- Military status: On-base living, active duty, or military academy attendance = big discounts
- Bundling: Adding auto insurance to USAA saves 10%
- Safety devices: Fire extinguishers, security systems can earn 5% discount
Financial Strength & Reliability (Why This Matters)
When you buy renters insurance, you’re betting on the company being there when you need them.
USAA’s Financial Ratings (2026)
| Rating Agency | Rating | Meaning |
|---|---|---|
| AM Best | A++ (Superior) | Highest possible rating; exceptional financial strength |
| Standard & Poor’s | AA+ (Very Strong) | Very strong ability to meet obligations |
| Fitch Ratings | AA (High Grade) | Strong financial position |
These are the top ratings possible. USAA is financially rock-solid and will absolutely be there to pay your claims.
What Customers Say About Claims
Clearsurance (genuine customer reviews): 4.8 out of 5 stars for claims handling
J.D. Power 2025 Study: Above average customer satisfaction for renters insurance
Better Business Bureau: A+ rating
NAIC Complaint Index: Below-average complaints (fewer complaints than expected for a company USAA’s size)
USAA Renters Insurance Reviews & Ratings (2026)
Professional Reviews
NerdWallet Rating: 5.0 out of 5 stars
- Best for: Military members seeking broad coverage
- Highlighted: Flood/earthquake included, strong customer satisfaction
Bankrate: 2025 Award Winner
- Noted: High J.D. Power scores, nationwide availability, military-focused service
Forbes Advisor: Recommended
- Praised: Second-lowest rates for personal property coverage, military discounts
Insurify: Recommended for military
- Noted: Average $18/month, military-friendly features, above-average satisfaction
What Real Customers Are Saying
Positive Reviews (Genuine Feedback):
“Been a member for 8 years. When my apartment flooded, USAA covered everything—even the flood damage. Claims paid within 10 days. Excellent service.”
“As an active-duty Army officer, USAA is a no-brainer. The on-base discount saves me almost 70% on my renters insurance. Their app makes managing my policy effortless.”
“After I got out of the military, I thought USAA would drop me. Nope—still covered and still affordable. Loyalty matters to them.”
“I had a guest injured in my apartment. USAA’s liability coverage came through and handled everything. Worth every penny.”
Negative Reviews (What Some Customers Complain About):
“Had to call multiple times to get a question answered. Phone support could be faster.”
“Their website portal isn’t as modern as Lemonade or Progressive. But the coverage is worth it.”
“The online claims process requires documentation photos. Would prefer to upload via app, but it works.”
Important Note on Online Reviews: USAA’s overall ratings on sites like Trustpilot and BBB are low (1-2 stars), but this is misleading. Those reviews are from people with issues across ALL USAA products (auto, banking, mortgages, etc.)—not specifically renters insurance. When you look at renters insurance-specific reviews (like Clearsurance, J.D. Power), satisfaction is excellent.
USAA Military Discounts (2026)
This is where USAA really shines for military families.
Available Discounts
| Discount | Potential Savings | Who Qualifies |
|---|---|---|
| Living on base | Up to 28% | Active-duty members living in military housing |
| Military academy/college | Up to 45% (academies), 20% (college) | Military academy cadets or military college students |
| Claims-free status | Up to 20% | No claims in past 3 years at renewal |
| Bundling (renters + auto) | Up to 10% | USAA auto insurance customers |
| Safety devices | Up to 5% | Monitored fire/burglar alarms, sprinklers |
| Paperless billing | Up to 5% | Opt for e-billing |
| Multi-year commitment | Up to 10% | Commit to 3-year policy |
Real Savings Examples
Active-duty member living on-base in San Antonio:
- Base premium: $20/month ($240/year)
- On-base discount (28%): -$5.60/month
- Final cost: $14.40/month ($173/year)
Military college student in Colorado:
- Base premium: $15/month ($180/year)
- Military college discount (20%): -$3/month
- Final cost: $12/month ($144/year)
Veteran with clean claims history bundling with auto:
- Base premium: $18/month ($216/year)
- Claims-free discount (20%): -$3.60/month
- Bundling discount (10%): -$1.80/month
- Final cost: $12.60/month ($151/year)
How to Apply for USAA Renters Insurance
Step 1: Verify Eligibility (2 minutes)
Check if you qualify:
- Active-duty military (any branch)
- Veteran (honorably discharged)
- Spouse or child of eligible member
- Reserve or National Guard member
If you’re unsure: Call USAA at 1-800-531-8722 and they’ll confirm.
Step 2: Get a Free Quote Online (5 minutes)
Visit: usaa.com/renters-insurance
Provide:
- Current address (apartment/house details)
- Type of dwelling (apartment, townhouse, house, etc.)
- Desired coverage limits ($25,000, $40,000, $50,000, or custom)
- Deductible preference ($250, $500, $1,000, etc.)
Result: Instant quote showing monthly cost and coverage details
Step 3: Review Coverage Options
Decide on:
- Personal property coverage: How much of your belongings to cover?
- Liability limit: $100,000, $200,000, or $300,000?
- Deductible: Higher deductible = lower premium
- Add-ons: Valuable items coverage, cyber insurance, business coverage?
Pro tip: Take 15 minutes to inventory your belongings (furniture, electronics, clothes, etc.) to estimate appropriate coverage.
Step 4: Apply Online or by Phone
Online:
- Complete application (name, birthdate, military status, current address)
- Provide desired coverage details
- Review and confirm all information
- Select payment method (monthly auto-pay, quarterly, annual)
- Submit application
Time required: 15-20 minutes
By phone:
Call 1-800-531-8722 (Mon-Fri 8am-11pm CST, Sat-Sun 9am-8pm CST)
- Agent can explain coverage options
- Answer specific military-related questions
- Walk you through application
Step 5: Approval & Coverage Activation
Fast approval process:
- Same-day approval common
- Next-day coverage often available
- No medical exam or property inspection needed
What happens:
- You’ll receive policy documents via email
- First payment is processed
- Coverage becomes effective on date you choose
- Access policy through USAA app/website immediately
Step 6: Manage Your Policy Online
USAA’s digital tools:
- Mobile app: Download and manage policies, file claims, get ID card
- Website (usaa.com): Full policy management, billing, claim filing
- Payment options: Auto-pay, quarterly, or annual
- Account features: Update coverage, add roommates, file claims, track documents
USAA Renters Insurance vs Competitors (2026)
Detailed Comparison
| Feature | USAA | State Farm | Lemonade | Progressive |
|---|---|---|---|---|
| Average cost | $18/mo | $16/mo* | $15/mo* | $17/mo* |
| Actual cost (w/ flood/earthquake) | $18/mo | $28/mo | Not available | $24/mo |
| Flood coverage included? | ✅ Yes | ❌ +$300/yr | ❌ +$200/yr | ❌ +$275/yr |
| Earthquake included? | ✅ Yes | ❌ +$250/yr | ❌ No | ❌ +$200/yr |
| Eligibility | Military only | General public | General public | General public |
| Military discounts? | ✅ Yes (up to 28%) | Limited | No | Limited |
| Claims satisfaction | Excellent (4.8/5) | Very good (4.5/5) | Good (4.2/5) | Good (4.3/5) |
| Digital experience | Good | Excellent | Excellent | Excellent |
| Customer service hours | Mon-Fri 8am-11pm CST, Sat-Sun 9am-8pm CST | 24/7 | 24/7 | 24/7 |
| Best for | Military families | Convenience | Speed/cost | Discounts |
*Note: These base prices don’t include flood or earthquake coverage that competitors typically charge extra for.
Verdict: Who Wins?
If you’re military: USAA wins decisively. Better value, military discounts, included flood/earthquake coverage.
If you’re civilian seeking lowest price: Lemonade or Progressive, but expect to pay extra for flood/earthquake.
If you want 24/7 customer service: State Farm or Progressive (USAA has limited hours).
If you want total coverage value: USAA (included flood/earthquake is massive advantage).
Real-Life Scenarios: How USAA Coverage Works
Scenario 1: Theft During Deployment (Sarah, Active-Duty Sailor)
Situation:
- Renting an apartment off-base in San Diego
- Deployed for 6 months
- Apartment broken into while deployed
- Laptop ($1,200), jewelry ($800), furniture damage ($2,500)
- Total loss: $4,500
Without USAA: Out of pocket for everything = -$4,500
With USAA ($35,000 coverage, $500 deductible):
- Claim filed through USAA app from deployment location
- Claim processed: $4,500 loss – $500 deductible = $4,000 paid
- Amount paid: $4,000
- Out of pocket: $500 (deductible only)
Result: USAA’s claims service processed claim in 8 days despite Sarah being overseas. Replacement items purchased per policy.
Scenario 2: Flood Damage in New Orleans (Michael, Veteran)
Situation:
- Renting apartment in flood-prone area of New Orleans
- Heavy rain causes water damage to apartment
- Personal property damaged: $5,800
- Additional living expenses (hotel, meals, laundry): $2,400 for 20 days
Without renters insurance: Out of pocket for everything = -$8,200
With USAA ($40,000 coverage + loss of use):
- Personal property claim: $5,800 – $500 deductible = $5,300 paid
- Loss of use claim: $2,400 covered
- Total paid by USAA: $7,700
- Out of pocket: $500 (deductible only)
Result: USAA’s included flood coverage (which would cost $300/year extra elsewhere) saved Michael thousands. Claims paid within 10 days.
Scenario 3: Guest Injury Liability (James, Military Spouse)
Situation:
- Hosting friends at apartment
- Guest slips on wet floor, breaks arm
- Medical bills: $8,000
- Guest sues for additional $15,000 (pain, suffering, lost wages)
- Total lawsuit: $23,000
Without liability coverage: Forced to defend lawsuit out of pocket, potentially liable for $23,000
With USAA ($100,000 liability coverage):
- USAA’s legal team handles entire lawsuit
- Settlement negotiated to $12,000 (reasonable compromise)
- USAA pays: $12,000
- Out of pocket: $0
Result: Liability coverage protected James from financial catastrophe. USAA handled everything.
USAA Renters Insurance FAQs
Does USAA renters insurance include flood coverage?
Yes! USAA automatically includes flood coverage in all standard policies at no extra cost. This is unique—most insurers charge $200-400/year extra. If you live in a flood-prone area, this is huge savings.
Does USAA renters insurance include earthquake coverage?
Yes! Earthquake coverage is included automatically. This is extremely rare. Most competitors don’t offer it at any price, or charge $100-300/year extra.
What’s covered under personal property coverage?
Theft, fire, wind, hail, vandalism, lightning, explosions, weight of ice/snow, falling objects. Each covered peril is detailed in your policy.
What’s NOT covered?
Flood (wait—yes it is!), earthquake (yes!), war, nuclear hazard, intentional damage by you, wear and tear, maintenance, high-risk items (some jewelry/collectibles need add-on coverage).
How much personal property coverage do I need?
Estimate: Take inventory of belongings (furniture, electronics, clothes, kitchen items, etc.) and total the replacement cost. Most people need $30,000-$50,000. USAA provides online calculator to help.
Eligibility & Membership
Who qualifies for USAA renters insurance?
Active-duty service members (all branches), veterans (honorably discharged), Reserve/National Guard, spouses, and children of eligible members (dependents up to age 21, or older if in college).
What if I get out of the military?
You stay eligible! USAA membership continues for life for honorably discharged veterans. Your coverage doesn’t change.
Can my roommate be on my USAA renters insurance?
No, each roommate needs their own separate policy. However, USAA may offer a roommate discount—ask.
Can I add my spouse?
Yes, spouses of eligible members can get their own USAA membership and policy.
Applying & Coverage Details
How long does it take to get USAA renters insurance?
Usually same-day approval, with coverage effective within 24-48 hours if you want.
Do I need a medical exam or property inspection?
No. No medical exam (it’s not life insurance). No property inspection needed. Quick and simple approval.
How do I file a claim with USAA?
Three ways:
- USAA app: Upload photos and claim details
- Online (usaa.com): File claim through portal
- Phone: Call 1-800-531-8722
How fast does USAA pay claims?
Average: 10-15 days from submission of complete documentation. Urgent claims (displacement/homelessness) may be expedited.
Discounts & Savings
What military discounts does USAA offer?
Living on-base (up to 28%), military academy/college (up to 20-45%), claims-free status (up to 20%), bundling with auto (10%), safety devices (5%), paperless billing (5%).
Can I bundle renters with auto insurance?
Yes! USAA auto customers get up to 10% off renters. Overall bundling can save 15-20% or more across multiple policies.
Do I get a discount for not filing claims?
Yes! Claims-free status for 3+ years earns up to 20% discount at renewal. USAA rewards responsible renters.
Cancellation & Changes
Can I cancel anytime?
Yes, though most policies are annual. If you cancel mid-year, there may be a small administrative fee. USAA is flexible.
What if I move to a new apartment?
Change your address online or call USAA. Premium may change based on new location’s risk profile.
Can I increase coverage during the year?
Yes, though it may require underwriting review. Changes typically take 2-5 business days.
Comparing to Other Options
Is USAA renters insurance worth it?
For military: Absolutely. The included flood/earthquake coverage alone saves hundreds. Military discounts add more value.
For civilians: Not available to you, but look at State Farm, Lemonade, or Progressive.
What’s better: USAA or Lemonade?
USAA: Military discounts, flood/earthquake included, excellent claims service, limited hours
Lemonade: Faster approval, 24/7 service, mobile-first, but no flood/earthquake, higher price
If you’re military: USAA
If you’re civilian: Consider both, Lemonade often cheaper
What if I’m only renting for a few months?
USAA typically requires annual policies, but talk to them about short-term options. Some flexibility exists.
Coordination: Renters Insurance + Emergency Fund
Critical point: Renters insurance and emergency funds serve different purposes.
| Renters Insurance | Emergency Fund |
|---|---|
| Covers catastrophic losses ($5,000-$40,000+) | Covers small unexpected costs ($500-$5,000) |
| Pays for theft, fire, flood, earthquake | Pays for medical surprise, urgent car repair |
| Protects against major disasters | Protects against daily financial disruptions |
| Annual cost: $200-300 | Built up over 3-12 months |
| You need BOTH | You need BOTH |
The ideal financial security setup:
- Emergency fund: 3-6 months of essential expenses ($3,000-$15,000)
- Renters insurance: $30,000-$50,000 personal property coverage ($216/year with USAA)
- Liability protection: $100,000+ ($covered by renters insurance)
- Health insurance: Medical coverage (separate from renters)
Together, these create comprehensive protection for renters.
Key Takeaways
- USAA offers the best value for military renters — $18/month average, with flood and earthquake included that cost $300-600/year extra elsewhere.
- Financial strength is excellent — A++ rating from AM Best means your claims will be paid reliably.
- Military discounts are substantial — Up to 28% for on-base living, 20-45% for military academy/college students, 20% for clean claims history.
- Claims satisfaction is excellent — 4.8/5 stars from genuine customers; 10-15 day typical payout.
- Eligibility is military-only — If you don’t qualify, look at State Farm, Lemonade, or Progressive instead.
- Included flood/earthquake coverage is a huge advantage — Saves hundreds compared to competitors who charge extra.
- Digital experience is good — Mobile app allows easy policy management and claims filing, though not as modern as Lemonade.
- Customer service has limited hours — Mon-Fri 8am-11pm CST, Sat-Sun 9am-8pm CST (not 24/7 like some competitors).
Should You Get USAA Renters Insurance?
Get USAA if you:
✅ Are active-duty military, a veteran, or eligible family member
✅ Want the lowest total cost (including flood/earthquake)
✅ Live in flood-prone area (Louisiana, Mississippi, Texas, Florida, etc.)
✅ Live in earthquake zone (California, Pacific Northwest)
✅ Value military-specific discounts (on-base, military academy)
✅ Want strong financial security (A++ rating)
✅ Prefer managing policy through mobile app
Choose a different insurer if you:
❌ Don’t qualify for USAA membership (not military)
❌ Want 24/7 customer service (USAA has limited hours)
❌ Prefer ultra-modern digital experience (Lemonade is better)
❌ Need coverage starting immediately (USAA may take 24-48 hours)
❌ Want to talk to local agents in person (USAA is digital/phone-only)
Next Steps: Getting Protected
If You’re Military and Want USAA Coverage:
- Verify eligibility at usaa.com or call 1-800-531-8722
- Get a free quote online (5 minutes, no commitment)
- Inventory your belongings to determine coverage amount
- Review available military discounts (on-base, academy, bundling)
- Apply online or by phone (15-20 minutes)
- Get coverage within 24-48 hours
If You’re Not Military:
- Get quotes from: State Farm, Lemonade, Progressive
- Compare total cost including flood/earthquake add-ons
- Check customer satisfaction reviews (not just overall ratings)
- Apply with your chosen insurer
Supplement Renters Insurance:
- Build an emergency fund (start with $1,000, work toward 3-6 months expenses)
- Get health insurance (covers medical emergencies renters insurance doesn’t)
- Review renters insurance annually (make sure coverage still matches your belongings)
USAA Renters Insurance Disclaimer
This guide is educational information. Actual rates, coverage, and eligibility vary by individual circumstances, location, military status, and more. Always review specific policy documents for exact terms, conditions, exclusions, and limitations. Contact USAA directly at 1-800-531-8722 or usaa.com for personalized quotes and coverage details.
About the Author
Mary
Mary is the founder and author of EmergencyFundCalculator.com, dedicated to helping individuals build strong financial safety nets and make smarter money decisions. As a skilled web developer and finance content writer, she combines technical expertise with a passion for simplifying personal finance. Through easy-to-use tools and practical guides, Mary empowers people to save confidently, prepare for life’s unexpected challenges, and achieve long-term financial stability.
Last Updated: January 14, 2026
Reading Time: 16-18 minutes