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Does USAA renters insurance cover earthquakes?
I’ve been stationed in San Diego, and my family and I will be renting a house near the base. We’ve never lived in California, and I’m wondering, will USAA renters insurance cover earthquake damage?
Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Yes, USAA has you covered! Unlike most other renters insurance policies, USAA policies do include earthquake coverage. Another plus is that USAA renters insurance automatically includes Replacement Cost Value (RCV) coverage, which means that you’ll be given a check (after meeting your deductible) to buy new items to replace the ones you lost.
Let’s review the basics of property coverage under a USAA renters policy:
Property coverage will help you to replace your personal property if it’s ever destroyed or damaged. Unlike a lot of insurers, USAA automatically provides Replacement Cost Value (RCV) instead of Actual Cash Value (ACV). This means that if your 5-year old computer is destroyed in an earthquake, let’s say, USAA will cut you a check to buy a new one. In addition, you’ll never have to pay a deductible for replacing your military gear.
USAA offers low-cost add-on insurance for electronics, protecting them from accidental spills and drops. You can also elect supplemental insurance to protect jewelry and collectibles.
Like other insurers, USAA protects you against standard perils such as:
- Fire, theft, vandalism
- Windstorm, hail, lightning
- Explosions, impact by a vehicle
But USAA also covers:
- Floods, tidal waves, and earthquakes (which is unusual for most renters policies)
Many best wishes on your new California lifestyle in sunny San Diego!
Do you have questions about earthquakes and other perils covered by your renters insurance? Would you like to comparison shop renters insurance rates in seconds? Let
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- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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