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USAA Renters Insurance Reviews

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  • Pros
  • Affordable rates
  • Excellent customer service
  • Some great discounts available
  • Cons
  • Only available to service members and their family

USAA Renters Insurance

What stands out first and foremost about USAA renters insurance is the vast amount of features that are covered with their policies. They pride themselves in offering a vast amount of coverages, however they are specifically geared towards covering active military members, and their families exclusively. Consistently receiving rave reviews from their customers for their excellent coverage, this is an excellent company to work with if you are in need of insurance for your rental apartment or home.

One of the most distinctive qualities about USAA renters insurance are the vast number of issues that are covered. They offer customers many different options of coverage to ensure that all needs are met; whether they're basic or extensively intricate. Considering the enormous threat of identity theft in today's world, you're safe knowing you are protected in the event you should become a victim. Flood damage, earthquake damage, replacement, moving and storage situations involving damage or loss are covered, as well.

Also known for being affordable, USAA has built a seriously solid reputation as an excellent provider of renters insurance.

Advantages

USAA is an excellent choice for active military service members; their insurance services cater exclusively to this demographic. The company is one of the highest-rated renters insurance companies, known precisely for excellent customer care. Rates are quite affordable, starting at $12 - $15 monthly for $2,500 in coverage.

Discounts are offered for having additional safety precautions, such as indoor sprinklers and a home security system. They advertise no sudden rate hikes, which can certainly bungle a person's budget.Plus, a wide array of coverages are available, from liability to earthquake coverage.

Disadvantages

Though USAA is and amazing insurance option with exceptional service, it's only available to active military and their families.

Pricing and Fees

Ultimately affordable, USAA offers some of the best coverage for the most affordable prices in the renters insurance industry. Their entry-level rates start at $12/ per month, and this will get you $2,500 in coverage on personal property. However, it is recommended that most renters have a minimum of $25,000. Quotes are personalized and available online.

Customer Service

Many consider USAA to have the best customer service in the industry, and that's saying something. Across the board, on all varieties of issues, customers rate USAA with 5 stars for being on top of everything and having great service in the process. Claims are known to be handled fast and efficiently.

Customer service representatives for USAA are famous for their excellent handling of situations, and their ability to calm a customer's jangled nerves during situations of high-stress. They can be reached 24/7, and they are notorious for handling issues in a swift, timely manner.

Tools and Apps

USAA offers an app that can access all of your information instantly, and this comes in handy greatly when you are in an urgent situation.

  • Quotes are offered online.
  • Coverage takes care of a variety of different situations.
  • Customer Service from USAA is among the best in the industry.
  • Far from being a new company establishing a reputation, USAA has been around for years, and they have earned a solid track record for handling their customers' needs amazingly.

Overview of Plans

The best choice for active service members, ensuring your possessions are covered is so very important. Recent alterations to policies for BAH (Base Allowance for Housing) may have caused changes that terminated your previous renters insurance. If you fall into this category, a renters insurance policy from USAA can help pick up where it left off. It is highly recommended that you keep your valuables protected.

Renters insurance plans from USAA can also include:

  • Identity Theft Coverage
  • Moving & Storage Costs
  • Liability Coverage: for additional protection, and to safeguard your assets in the event you are sued for damages as a result
  • Items Off-Premises; coverage extends beyond just your residence for your personal property
  • Damages that occur to your neighbor's' property as a result issues on your property
  • Earthquake Coverage: If you live in an area prone to Earthquakes, it's smart to have your personal property insured in this manner
  • Flood Coverage: Most homeowner's insurance plans do not cover flood damage, and most do not cover renter's possessions, so if you're in an area where floods can present a danger, it is recommended to be protected just in case.
  • Replacement Cost: This covers the loss of your stolen or damaged items by replacing or repairing them with items of relevant quality and worth.

What to Consider

If you aren't in the military, obviously this company will not be applicable for your needs. If you are, however, it's the best of the best. Customer service is absolutely on point, coverage is affordable and great, and you get a wide array of coverage that takes care of you in a multitude of situations. Liability coverage, earthquake coverage, flood coverage, and coverage that takes care of your items whether or not they are on the physical property you are renting is so incredibly important to consider and ultimately, have.

For those who live on base, having your possessions covered can make a world of a difference, and when you take into consideration the significantly low cost of having renters insurance, it is absolutely wise to have it. USAA provides excellent coverage to handle all of your needs; why skimp on something so economical that protects you in the event of tragedy?

Verdict - Very Good

USAA is at the top of the industry, offering exceptionally great coverage, affordability, and options. While their primary focus is on insuring active military personnel, for those who meet this requirement, the coverage is beyond excellent.

USAA is a phenomenal choice for those in need of renters insurance. While policies are only available to active members of the military, they are one of the finest companies to work with for renters coverage. Their policies are affordable, flexible, and work to secure your personal assets and possessions in a wide variety of situations. From fires to floods, earthquakes to identity theft, liability and taking care of replacement costs; they will handle your needs ideally. And, if their superb coverage were not enough, they also go the extra mile by providing magnificent customer service.

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USAA Renters Insurance Consumer Reviews

Average Customer Rating

9 out of 10 rating 9 2 User Reviews

User Rating Distribution

Ratings: 10 - 9 2
Ratings: 8 - 7 0
Ratings: 6 - 5 0
Ratings: 4 - 3 0
Ratings: 2 - 1 0
9 out of 10 rating 9 Quick claim process None

I would never use anyone else for Renters insurance. USAA were helpful and processed my claim fast, and they are just the best insurance company. Great rates and hassle free!

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10 out of 10 rating 10 Settle claims quickly None

If you need an insurance company there is no one better then USAA. When we first signed up it was straightforward and no hassle and they give complete peace of mind that if anything happens they are there is help and will settle your claim the quickest way possible.

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In order for MoneySavingPro to remain a consumer free service, many of the companies covered in our industry reviews compensate MoneySavingPro for new sign ups.

However, the results of our comparison tools, the rankings of the providers and the information presented is not affected by compensation. Indeed, many of these companies approach us for an advertising partnership after we have already written a published their reviews.

While we try to research and review as many providers as possible in the 100+ industries we cover, we have not reviewed every company available.

Our rating system is independent of compensation and reflects our true understanding of the industry and the company based on a variety of factors. The companies that receive the highest rating will always be the providers that we believe offer the best value to the consumer.

Advertiser Disclosure

In order for MoneySavingPro to remain a consumer free service, many of the companies covered in our industry reviews compensate MoneySavingPro for new sign ups.

However, the results of our comparison tools, the rankings of the providers and the information presented is not affected by compensation. Indeed, many of these companies approach us for an advertising partnership after we have already written a published their reviews.

While we try to research and review as many providers as possible in the 100+ industries we cover, we have not reviewed every company available.

Our rating system is independent of compensation and reflects our true understanding of the industry and the company based on a variety of factors. The companies that receive the highest rating will always be the providers that we believe offer the best value to the consumer.