Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Apr 11, 2022

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The Lowdown

  • USAA offers renters insurance to current or former military personnel and their family members in all 50 U.S. states
  • Only certain individuals affiliated with the military and their families are eligible for insurance coverage through USAA
  • USAA has an A++ financial strength rating with A.M. Best and an A+ rating with the Better Business Bureau

If you’re on the hunt for renters insurance, you may want to learn more about a renters insurance policy with USAA. The company offers renters insurance in every state in the U.S., and USAA is currently tied for the first-place spot in regard to renters insurance companies, according to U.S. News.

As you search for renters insurance coverage, remember to shop around and compare policies and quotes from multiple companies before making a final decision. As you compare prices, you will discover which policies offer the coverage you need at an affordable price.

Can anyone get renters insurance with USAA?

USAA was formed in 1922 by a group of Army officers. The company is based in San Antonio, Texas, and offers insurance products, retirement planning solutions, and loans.

Currently a company with over 13 million members, USAA membership is available to the following individuals:

  • Active military personnel
  • Retired military personnel
  • Separated veterans with an honorable discharge
  • Family members of the eligible military or former military personnel

Because USAA is limited to people who serve or have served in the military or family members of military personnel, not everyone can purchase a renters insurance policy with USAA. If you are confused as to whether you are eligible for USAA coverage, you can call the USAA renters insurance phone number and speak with a company representative.

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What does USAA renters insurance cover?

If you purchase a renters insurance policy with USAA, you will receive the following coverage:

  • Personal property coverage. Your personal property is covered from a loss that results from a listed peril such as fire or theft. USAA will pay to replace lost or damaged items with new ones instead of simply reimbursing you with the item’s depreciated value.
  • Medical payments. If someone who does not live on the property is injured, that individual may be eligible for medical payments to cover medical bills associated with the injury.
  • Personal liability. If an individual suffers an injury in your rented space, he or she will be covered up to $100,000 which can include the cost of the renter’s legal defense.
  • Additional living expenses. If you are unable to live in your rental property after a covered peril causes long-term damage, your renters insurance policy will cover normal living expenses.

 USAA offers additional features for military members. If members are deployed, their personal belongings are covered with overseas insurance even if they are in storage. In addition, military members who are on active duty and live on base can save nearly 30% on their renters and other insurance policies.

When does a USAA renters insurance policy kick in?

As is the case with virtually any insurance company, USAA renters insurance does not cover any and every event that takes place. A renters insurance policy with USAA will cover damage to a renter’s personal property if the damage is caused by:

  • Fire
  • Lightning
  • Floods (in certain situations)
  • Windstorms or hail
  • The collapse of a building
  • Volcanic eruptions
  • Earthquakes
  • Smoke damage (in certain situations)
  • Frozen damage to plumbing, heating, air-conditioning, or household appliances
  • Falling objects that damage the roof and then the renter’s personal property
  • Explosions
  • Theft
  • Aircraft
  • Vehicles
  • Vandalism
  • Riots and civil unrest
  • Sudden and accidental tearing apart, cracking, burning, or bulging
  • Sudden and accidental damage from an artificially generated electrical current

Though this list may seem exhaustive, there are still some incidents that a USAA renters insurance policy will not cover. If you are considering purchasing renters insurance with USAA, be sure to familiarize yourself with the ins and outs of the policy beforehand.

Does USAA offer any discounts on coverage?

USAA offers a number of discounts on its insurance coverage. Among the most popular options are membership in the U.S. military, bundled coverage with USAA, property location, and security measures such as smoke detectors, alarm systems, and deadbolt locks.

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How much is renters insurance with USAA?

You will not know how much you’ll pay for renters insurance with USAA until you receive an insurance quote from the company. You can visit the USAA website or call and speak with a company representative in order to obtain more information concerning your monthly payment for renters insurance coverage.

The table below reveals average renters insurance rates by state.

Average Renters Insurance Rates by State
StateAverage Annual Renters Insurance RatesAverage Monthly Renters Insurance Rates
National Average$168$14
Alabama$222$18
Alaska$123$10
Arizona$179$15
Arkansas$214$18
California$217$18
Colorado$156$13
Connecticut$172$14
Delaware$150$13
Florida$191$16
Georgia$243$20
Hawaii$164$14
Idaho$133$11
Illinois$167$14
Indiana$155$13
Iowa$110$9
Kansas$225$19
Kentucky$170$14
Louisiana$262$22
Maine$150$13
Maryland$175$15
Massachusetts$192$16
Michigan$201$17
Minnesota$153$13
Mississippi$228$19
Missouri$134$11
Montana$162$14
Nebraska$122$10
Nevada$162$13
New Hampshire$135$11
New Jersey$163$14
New Mexico$148$12
New York$142$12
North Carolina$148$12
North Dakota$116$10
Ohio$135$11
Oklahoma$210$17
Oregon$149$12
Pennsylvania$116$10
Rhode Island$166$14
South Carolina$188$16
South Dakota$123$10
Tennessee$155$13
Texas$197$16
Utah$138$11
Vermont$110$9
Virginia$149$12
Washington$140$12
Washington, D.C.$166$14
West Virginia$142$12
Wisconsin$122$10
Wyoming$101$8
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Depending on where you live and the type of home you are renting, you may find that your rates are a bit higher than those listed in the table above. Still, the table may give you a better understanding in regard to how much you will pay for coverage.

Can you pay for USAA renters insurance online?

Policyholders with USAA can use their USAA renters insurance logins to access their policies and pay their monthly premiums online. Clients can also file a USAA renters insurance claim on the company website, though it may be required that they speak with a USAA agent during the claims process.

Does USAA have good ratings and reviews?

USAA has an A++ (Superior) financial strength rating with A.M. Best and a stable outlook in regard to future financial endeavors. USAA also has an A+ rating with the Better Business Bureau (BBB).

Regarding USAA renters insurance reviews, you will find many negative reviews and complaints on the BBB website. The company has closed nearly 2,000 complaints in the past three years. But it makes sense that a company of USAA’s size would have far more negative reviews and customer complaints than a small, local insurance company.

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Should I buy renters insurance with USAA?

If you qualify for coverage with USAA, it’s a good idea to obtain a quote for renters insurance from the company. Afterward, be sure to compare the rate USAA offers to rates from other companies. This will help you make an informed decision regarding coverage and overall cost.