Last Updated: 04/18/2025
USAA Renters Insurance
Claimed
Last Updated: 04/18/2025
SuperMoney User Recommendation Score -31
Mostly not recommended16 total votes
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Highlights
Community Rating
Mostly not recommended
Financial Strength Rating
A+(Verified 04/18/2025)
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Home and Renters Insurance Riders
- Earthquake Coverage
- Identity Theft Protection
- Sewage and Drain Backup Coverage
- Valuable Items
Home and Renters Insurance
- Guest Medical Protection
- Renters Liability Coverage
- Personal Property Protection
- Reimbursed Living Expenses
Number of Reviews
USAA Renters Insurance Review
USAA Renters Insurance is an insurance carrier based in Phoenix, AZ. 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -31, or 2.4 on a 5-point rating scale.
-31
-1000+100
No one recommends
Everyone recommends
USAA Renters Insurance Community Reviews
Would you recommend USAA Renters Insurance to your friends?
LW
Lb W.
Nov 28, 2020
May or may not recommend
USAA offers the insanely low monthly payments and high level of customer service. I've been a USAA member for the last 25 years and I currently use them to insure my apartment in NYC and I'll continue to use them when I move.
Shane R.
Oct 22, 2020
May or may not recommend
I used USAA's Renter Insurance for a year when my wife and I were first married. We rented a little duplex and wanted to get things covered. USAA was a life-saver, as we protected our possession for a nominal cost. However, I flt protected every day of the week, and they will continue to have my business moving forward in other ways.
JM
Jourdan M.
Sep 16, 2020
May or may not recommend
Kept the insurance with additional riders for years.
Needed 1 time DENIED. I even gave them the exact paperwork saying the house is no longer Inhabitable as asked for DENIED!
FORGET USSA THIS IA THE SECOND TIME TH8S HAS HAPPEND AND I LEFT THEM. THEY EVEN SENT ME A SORRY CHECK ABOUT 6 YEARS AGO FOR A MISSED CLAIM PAYMENTS
U
Anonymous
Nov 29, 2019
May or may not recommend
Filed a claim today because neighbors hit my wall and accidentally broke my cuckoo clock. USAA stated they don't cover accidents. What is the point odd having renters insurance? I thought it was to cover accidents! Nope. Not them.
JH
Jake H.
Oct 25, 2019
May or may not recommend
Claim filed at the end of August 2019. Still don’t know if I’m covered or the claim has been accepted.So far it’s been a nightmare. Claims adjuster and others directly associated with my claim have failed to respond to questions, give information, Or genuinely care. I would not suggest Usaa to anyone after this experience.
JC
Jeffrey C.
Sep 12, 2019
May or may not recommend
Simply the best insurance, banking and financial company in the USA. You will get the best coverage at reasonable rates.
Ken M.
Aug 5, 2019
May or may not recommend
Because they discontinued my policy because of claims all of which I had proof.
JO
John O.
Aug 2, 2019
May or may not recommend
This company is deceptive in their explanation of how earthquakes are covered. They will try to loop hole out of paying for a claim
U
Anonymous
Jul 3, 2019
May or may not recommend
Always have recommended usaa, excellent customer service quick claims and good prices. Put in a claim for a lost watch on my valuables policy and money deposited into my usaa checking account in 4 days!
Steven W.
Jun 20, 2019
May or may not recommend
They refuse to pay for anything then accuse you of fraud.avoid renters policy from them at all cost...
Dena R.
Jun 3, 2019
May or may not recommend
We’ve been waiting 6 weeks for the insurance company to even speak with us about our claim. We had a small house fire and still do not have a kitchen could have fixed all this way before now on our own, but since we rent we have to do things a certain way.
U
Anonymous
Mar 4, 2018
May or may not recommend
We have been with usaa for 12 years. The first an only time we claimed for renters insurance was after we got robbed, we lost all our luggage to include our designer bags. When we contacted usaa. They said not to worry; just provide photos of proof of items. then it was time to do claim, later the usaa (Jessica cedillo) told us to provide all the receipts. Even ...Show More
U
Anonymous
Feb 17, 2018
May or may not recommend
I filed a claim with USAA Renters Insurance on Jan 5, 2018, and have not received one update. If you need to check on a claim it is like pulling teeth. At one point they were waiting for my Leasing office to confirm that they had to change my locks and cut me new keys. Who the fuck cares. This is a few dollars holding back several thousand. So ...Show More
U
Anonymous
Jun 2, 2017
May or may not recommend
A month and a half after an accident in my apartment flooded the apartment beneath us, I am still trying to haggle USAA to cover the full cost of the repair of the damages. They are only willing to pay a fraction of what the contractors have estimated, despite being well within the policy limits.
Water damage compounds over time, so it's only getting worse the longer they take. Our ...Show More
U
Anonymous
May 2, 2015
May or may not recommend
I purchased the renters insurance just for extra security; then my apartment flooded from sewage backup. My adjuster and I had problems getting in touch with one another, but when I did speak with someone they told me what I needed to do and it didn't take 2 days to get my settlement. It replaced my laptop and with out much running around or fuss.
U
Anonymous
Mar 19, 2015
May or may not recommend
Great pricing, great customer service, great coverage for all my things. Now I get a multi-policy discount on top of my already low price, which made this insurance cost next to nothing. Very happy with USAA!
Showing 16 of 16 reviews
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