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What is covered under USAA renters insurance?
I’ve joined the Air Force and am now about to rent an apartment off base. I’m shopping around for insurance and want to know—what’s covered under USAA renters insurance?
Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Thank you for your service! USAA renters insurance will provide standard coverage with a few extra perks. Let’s look at what’s covered by a USAA renters insurance policy.
Property coverage (Coverage C) covers personal property if it is destroyed or damaged. USAA automatically provides Replacement Cost Value (RCV) coverage, which means that if your 4-year old laptop is destroyed in a fire, they’ll give you enough money to buy a new one.
USAA also offers low-cost add-on insurance that will cover your electronics from spills and other accidents. In addition, your military gear is fully covered, which means you won’t have to pay a deductible.
Loss of use coverage (Coverage D) is also referred to as additional living expenses (ALE). If you need to live elsewhere while damage to your apartment is being repaired, you can submit your hotel and restaurant bills for reimbursement.
Personal liability (Coverage E) will pay out if guests are injured in your apartment or house and decide to file a legal claim against you.
Medical payments (Coverage F) will pay smaller medical bills (usually $5,000 or less) for guests who are injured while visiting you.
- Fire and smoke damage
- Windstorm, hail, lightning
- Explosions or impact by a vehicle
- Theft and vandalism
Finally, USAA is unique in that it insures against floods, tidal waves, and earthquakes, which is unusual for most renters policies.
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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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