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Renters insurance claims

We’re here to help every step of the way.

Report a renters claim

Check claim status

Find out what’s covered before you file a claim.

We typically cover things like damage to your stuff from a break-in or a fire. If you’re not sure about your coverage, you can check your policy. Here are some common things we may cover.‍ ‍ See note 1

Your things

Some things are out of your control. If someone steals or destroys your belongings or if a fire breaks out, you can get help paying for things like your dining room furniture, air fryer and more.

Your guests

For example, if a guest hurts themselves in your home and has to go to the hospital, we can help with medical bills.‍ ‍ See note 1

Additional living expenses

If your pipes burst and you need a hotel, you could get reimbursed for what you spend on food and lodging if you can’t live in your home for a reason covered by the policy.

Spoiled food

Let’s say the power goes out and your food spoils. We’ll help pay to replace refrigerated food that goes bad due to the power outage.

How renters claims work

We’ll help you with every step of your claim and provide personalized updates along the way.

Steps to complete How renters claims work

  1. Report your claim

    Tell us what happened. Get started on usaa.com or the USAA Mobile App.

  2. Get more details

    We’ll review what happened and check what your policy covers. You can also add more details in My Claims Center.

  3. Evaluate the claim

    We’ll go over the details and figure out what to pay based on your coverage, deductible and who’s responsible.

  4. Settle the claim

    If covered, we’ll make a payment to you or a third party.

Report a renters claim

Check claim status

What you’ll need to file a  claim

Give as much information as you can to help us process your claim, including:

  • Photos of the damage.
  • Receipts for any temporary repairs needed to prevent more damage.
  • List of damaged items including brands and models.
  • Proofs of purchase for damaged belongings, if available.

Should you file a renters claim?

You should always tell us about damage to your things. If you’re not sure what’s covered, you can check your policy. 

It’s important to file a claim if:

  • The cost of the damage to your belongings is more than your deductible.
  • Living in your home is unsafe.
  • You damaged someone else’s property.
  • Someone else is responsible for the accident.

How renters deductibles work

Your deductible is the out-of-pocket amount you'll pay for repairs or to replace items on a covered claim.

For example, if damages or stolen items cost $2,000 and your deductible is $250, then we would pay $1,750 to replace your things.

You can find your deductible on your renters policy.

View my policy

Renters insurance claims FAQ

It depends. The cost of repairing or replacing damaged items and your claims history are some of the factors that can affect your premium.

For example, if the price of new furniture, electronics or clothing has gone up, it could impact your premium. We won't know if there are any changes until your policy is up for renewal.

It depends on the circumstances and the complexity of your claim.

Several factors can affect how long your claim takes, including:

  • The amount of damage.
  • How much information you provide.

No, unless they’re related to you. Roommates will need their own policy to protect their things.

Still need help?

If you can’t find the information you need, give us a call at 800-531-USAA (8722).

Ready to start your renters claim?

Report a renters claim

Check claim status