USAA renters insurance coverage remains a top choice for eligible members, with replacement cost personal property coverage, broad protections, and uncommon inclusion of flood and earthquake coverage. However, only military service members, veterans and their immediate family members qualify for coverage with this company. With wide-ranging coverage options, competitive pricing for many households and strong service, keep reading for our up-to-date review of USAA renters insurance.
USAA Renters Insurance Overview
Overall, USAA maintains a strong reputation among renters. Recent independent benchmarks report high customer satisfaction in the renters segment of J.D. Power’s U.S. Home Insurance Study (USAA is not rank-eligible due to restricted membership) and fewer-than-expected complaints in NAIC’s Homeowners line (which includes renters/HO-4) for several USAA underwriting companies. External profiles such as the Better Business Bureau and YouGov offer additional context on brand perception.
PROS
CONS
USAA Highlights
Methodology
For this USAA renters insurance review, we evaluated the company based on its customer rating and experience, financial stability, and coverage. To compare renters insurance companies across the board, we calculated a Reviews.com score based on the following:
- Customer Ratings– We reference J.D. Power’s U.S. Home Insurance Study (renters segment) 1,000-point satisfaction scores; note that USAA is often not rank-eligible due to restricted membership.
- Coverage– As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options available and add-ons available.
- Confidence– It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best.
- Customer Experience– The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We base this measure on the NAIC Consumer Complaint Index for the Homeowners line (which includes renters/HO-4).
| Company | Reviews.com Score | AM Best Financial Strength Rating | J.D. Power Renters Score(On a 1,000-point scale) | NAIC Customer Complaints |
| USAA Renters Insurance | 3.8/5 | A++ | Not rank eligible; among highest | Fewer complaints than average |
| Geico | 2.8/5 | A++ | N/A | See NAIC index |
| State Farm | 3.3/5 | A++ | N/A | See NAIC index |
| American Family | 3.75/5 | A | N/A | See NAIC index |
| Erie | 4.75/5 | A+ | N/A | See NAIC index |
| Allstate | 3.5/5 | A+ | N/A | See NAIC index |
| Lemonade | 2.7/5 | N/A | N/A | See NAIC index |
*Key satisfaction and complaint references updated through 2024–2025; see linked sources for current figures.
USAA vs. Geico
USAA and Geico are both known for offering affordable renters insurance policies. In recent independent benchmarks, USAA again posts one of the highest satisfaction scores in the renters segment of J.D. Power’s U.S. Home Insurance Study but is not rank-eligible due to its restricted membership. USAA also offers broader standard coverage for eligible members, including flood and earthquake protection.
However, we found that Geico offers more add-on policies than USAA. Geico customers can supplement their renters insurance policy with incidental business liability coverage, business merchandise coverage, replacement cost coverage and a few others.
USAA vs. State Farm
State Farm is another top-rated renters insurance company. State Farm also scores well in J.D. Power’s U.S. Home Insurance Study, but USAA generally achieves one of the highest renters-segment satisfaction scores (not rank-eligible due to membership limits). One thing we like about State Farm is that it offers a variety of tools and resources to help renters figure out what renters insurance covers, why you need it and how much coverage you need. USAA’s website is helpful, but not as comprehensive.
State Farm’s renters insurance coverage is similar to USAA’s, but it doesn’t include earthquake or flood insurance. However, renters who have a cat or dog can add pet coverage to their policy, which isn’t an option with USAA.
The Bottom Line
USAA’s renters insurance is regarded among the best in the industry. The list of personal belongings that its standard policy covers is comprehensive, and personal property is typically covered at replacement cost. Notably, USAA includes flood and earthquake coverage in its standard renters policy—an uncommon perk among major insurers—making it a great option for students, adults and families alike.
The major catch with such an enticing policy is that users only qualify for USAA if they or their immediate family members are veterans or service members in the military. Assuming this is the case, the combination of claims processes, financial stability and overall customer satisfaction makes USAA renters insurance a great choice for any renter.
