USAA Renters Insurance

in Renters Insurance from USAA

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USAA Renters Insurance


in Renters Insurance from USAA

SuperMoney Net Recommendation Score -35%



Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Mostly not recommended

5 users recommend
1 user is unsure
11 users don't recommend
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Community Rating Mostly not recommended
Financial Strength Rating A+
Number of Reviews 17

USAA Renters Insurance Review

USAA Renters Insurance is an insurance carrier based in San Antonio, TX. The company was founded in 1922 and offers renters insurance in 50 states (and Washington, DC). 

USAA Renters Insurance FAQ

What is the financial strength rating of USAA Renters Insurance?

The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies.  SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

USAA Renters Insurance scores an A+ financial strength rating, SuperMoney's highest available rating.

What types of coverage does USAA Renters Insurance offer?

Renters insurance includes a wide range of coverages. One of the best ways to save money on your policy is to only pay for the coverage you need. USAA Renters Insurance offers the following types of renters insurance coverage:

Guest Medical Protection:

This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.

Personal Property Protection:

  This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them.

Reimbursed Living Expenses:

This coverage reimburses the insured for the cost of maintaining a comparable standard of living following a covered loss that exceeds the insured's normal expenses. For example, it could include an insured's motel bill while fire damage to the home is being repaired or replaced or until the insured moves to a permanent residence.

Renters Liability Coverage:

If a claim is made against you or you are sued as a result of a covered occurrence, your renters personal liability coverage can help to cover the associated legal costs and related damages. For example, if a visitor accidentally trips and falls in your apartment and breaks a leg, your renters insurance policy may be able to help protect you.

USAA Renters Insurance customers can also add the following riders or endorsements to their renters insurance policies:

Earthquake Coverage:

This covers some of the losses and damage that earthquakes can cause to your home, belongings, and other buildings on your property.

Identity Theft Protection:

This rider protects homeowners in the event of identity fraud and pays for the cost of restoring their identity.

Sewage and Drain Backup Coverage:

This coverage helps you repair water damage from overflowing drains and sewers, broken sump pumps, and damage that results from water moving from the ground up.

Valuable Items:

Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.

How can you save money on a USAA Renters Insurance renters insurance policy?

When you ask for a quote with USAA Renters Insurance, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available.

  • Alarm System.
  • Deadbolt Locks on Exterior Doors.
  • Home Monitoring System.
  • Smoke Detectors.

Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with USAA Renters Insurance.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Our Editor

What we love about USAA Renters Insurance

USAA is well-known for its dedication to customer service and that holds true for its renters insurance. You can feel confident that you’ll get great service when you’re purchasing a policy and submitting a claim. USAA’s comprehensive policies also cover many events that other policies won’t. For example, USAA renters insurance protects your belongings regardless of where they are. This is especially helpful for people, such as servicemembers, or travel or move often.

What could USAA Renters Insurance do better?

USAA’s greatest drawback is its eligibility requirements. USAA looks to serve members of the military and their family members, so it has a strict list of eligibility requirements. You won’t be eligible to purchase coverage unless you are an active, retired, or separated service member or a spouse, widow, widower, or former spouse of an eligible servicemember. Beyond the eligibility requirements, there is little to complain about.

USAA Renters Insurance‘s backstory

USAA was founded in 1922 when a group of 25 Army officers were looking for car insurance. Instead of finding insurance, those officers formed an insurance group of their own. Their group later expanded to offer insurance to other members of the military and later grew to include other financial services such as banking and lending. Today, the company is known for its exemplary customer service and products designed to fit the unique needs of members of the military.

The Verdict

If you are eligible to purchase insurance from USAA, it is one of the better insurers out there. Its rates are consistently competitive, and its policies often cover more than similar policies offered by other companies. If you’re a member of the military, USAA is experienced with dealing with the unique life events that servicemembers deal with making it a great insurer to work with.



  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Policy Discounts
  • Higher Deductibles
  • Multiple Policy
  • Military
  • Loyalty / Long-Term Customer
  • Good Credit
  • Continuously Insured
Property Discounts
  • Alarm System
  • Deadbolt Locks on Exterior Doors
  • Home Monitoring System
  • Smoke Detectors
Home and Renters Insurance
  • Guest Medical Protection
  • Renters Liability Coverage
  • Personal Property Protection
  • Reimbursed Living Expenses
Home and Renters Insurance Riders
  • Earthquake Coverage
  • Identity Theft Protection
  • Sewage and Drain Backup Coverage
  • Valuable Items
Financial Strength Rating A+

USAA Renters Insurance Community Reviews


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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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