USAA Renters Insurance Review reviews products and services to help you make well-informed choices. Although, our writers and editors follow a strict methodology for presenting information, our posts may reference products from our partners. For more information, learn how we make money. This content is powered by (NPN: 8781838). For more information, please see our
Insurance Disclosure This content is powered powered by, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of LLC services are only available in states where it is licensed and insurance coverage through may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare Rates
Outstanding customer service and overall satisfaction
Extensive list of items covered in policy
Only applicable military families

Show Similar Products

Advertiser Disclosure

Close icon.

We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

USAA renters insurance coverage is among the best in the industry. However, only military service members, veterans and their immediate family members qualify for coverage with this company. With wide-ranging coverage options, good discounts and excellent customer service, you can’t beat a USAA renters insurance policy. Keep reading for our full review of USAA rental insurance.

USAA Renters Insurance Overview

In business since
J.D. Power Score J.D. Power scores are based on surveys for customer satisfaction and product quality.
A.M. Best Financial Strength Rating AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
States served

Overall, USAA has a strong reputation. The company has an A- rating from the Better Business Bureau, although it has an average rating of just 1.2 stars based on 535 customer reviews. YouGov found that 45% of people have a favorable opinion of USAA, and only 4% of people have a negative view.


  • Customer service USAA offers outstanding customer service with friendly agents and claims representatives
  • Coverage USAA’s renters insurance policies include comprehensive coverage for your belongings and liabilities, which provides for flood and earthquake insurance
  • Affordable rates USAA’s renters insurance premiums start at just $10 per month


  • Limited availability You must be a service member, veteran or close family member to get coverage
  • Few discounts USAA doesn’t offer as many discounts as some other renters insurance companies

USAA Highlights

Customer Experience
Deals, discounts, and add-ons

USAA claims that its renters insurance policies start at just $10 per month. However, the actual rate you’ll pay depends on several factors, some you can control, and others you can’t. For example, your state, neighborhood, age and claims history are used to calculate your rate. Insurance companies also look at your credit score, the amount of coverage you want, the value of your personal belongings and your chosen deductible. The cost of renters insurance is different for everyone based on their unique circumstances.

USAA renters insurance covers liability, personal property and additional living expenses coverage. Its website states that items eligible for repairs or replacement in the event of theft include electronics, clothes, silverware, phones, jewelry, bicycles, military equipment, furs, hearing aids and much more. Renters insurance coverage does not include items that are lost, accidentally damaged or devalued as a result of wear and tear. To figure out the value of your assets, create a home inventory with a list of your belongings and their original cost, and set your coverage limit based on that amount.

USAA has a great customer experience and highly-rated claims handling. In J.D. Power’s 2020 U.S. Property Claims Satisfaction Study, USAA took the top spot, with a score of 904/1,000. Renters can file a claim online or through the mobile app 24/7, making the experience quick and easy. Applying for a policy through USAA is simple, as well. 

Along with its customer satisfaction score, we also looked at USAA’s customer complaints using the NAIC Customer Complaint Index. In 2020, USAA received lower-than-average complaints in the industry for property insurance, meaning you’re likely to have a good experience with the company if you qualify for coverage.

For the most part, USAA’s renters insurance discounts are relatively standard. It includes common offerings like insurance bundling, safety device installation and claims-free discounts, which become progressively more rewarding the longer you go without making a claim. Compared to other insurance providers, USAA offers fewer discounts, but the premiums are already affordable. USAA doesn’t typically offer any deals or promotions.


For 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 score based on the following:

  • Customer Ratings– Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction ratings.
  • 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 have based this measure on the NAIC National Complaint Index. ScoreAM Best Financial Strength RatingJ.D. Power 2020 Score(On a  1,000-point scale)

NAIC Customer Complaints
USAA Renters Insurance 3.8/5A++888/1,000Fewer complaints than average
Geico2.8/5A++N/AFewer complaints than average
State Farm3.3/5A++836/1,000Fewer complaints than average
American Family3.75/5A840/1,000Fewer complaints than average
Erie4.75/5A+865/1,000Fewer complaints than average
Allstate3.5/5A+841/1,000Fewer complaints than average
Lemonade2.7/5N/A866/1,000More complaints than average

*All information accurate as of October 2, 2020

USAA vs. Geico

USAA and Geico are both known for offering affordable renters insurance policies. But when it comes to reviews, USAA wins this battle. Geico did not appear on J.D. Power’s 2020 U.S. Renters Insurance Study, while USAA earned first place. USAA also offers better coverage, especially considering flood and earthquake insurance are automatically included. 

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 scored well in J.D. Power’s 2020 U.S. Renters Insurance Study, earning a score of 836/1,000, but didn’t score as high as USAA. 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, as is the list of circumstances under which those items are protected. It’s 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.

USAA Renters Insurance FAQ

Table Of Contents