Cheap Renters Insurance

Rack up savings with these discounts.

You're looking for cheap renters insurance but don't want to sacrifice on quality. Find the right coverage and price you're looking for with USAA Renters Insurance.

How much you pay depends on several factors, including where you live and how much coverage you select. Here are discounts we offer to help you save on your policy.

Bundle Renters and Auto^{See note2}

Save up to 10% on your renters premium if you have an auto insurance policy with USAA. Learn more about bundling savings.
Claims-Free Discounts^{See note3}

Save up to 20% on your renters premium if you haven't filed any claims in the past three years.
Protective Devices^{See note4}

Save up to 5% on your renters premium if you have a monitored fire alarm, security system or automatic sprinklers.
Living on Base^{See note5}

Save up to 28% on your renters premium if you live in the barracks or other housing on base. We can even help customize renters policies for military members.
Service Academy^{See note3}

Save up to 45% if you're enrolled in a U.S. military service academy. Learn more about service academy personal property insurance.^{See note6}
Military College^{See note3}

Save up to 20% if you're a cadet attending a senior military college. Learn more about senior military college personal property insurance.^{See note6}

Did you know?

You may be eligible for other military savings in certain states. They include savings for active-duty service members, pre-commissioned officers and ROTC members. Speak with one of our representatives to see if you qualify. Call us today at 800-531-USAA (8722).

Lower the cost of your renters premium.

It's possible to claim discounts and save on your renters insurance, even when you purchase online. Answer a few simple questions to get your renters quote, and we'll automatically apply the discounts you qualify for.

If you already have a policy, you can view your current discounts and add more on your account summary page.

Other ways to help you save.

Here are a few ways to help make renters insurance more affordable.

Increase your deductible. The more you can pay out of pocket, the lower your premium. Just make sure you have enough cash set aside to cover the deductible amount in the event you have a covered loss.
Have military gear and uniforms? We'll waive your deductible in the event of a covered loss while you're on active or reserve duty.^{See note7}
Carry only liability coverage. If your renters policy only includes liability and you file a claim, there is no deductible. Remember that liability coverage doesn't protect your personal property.

Learn the basics of renters insurance.

What is renters insurance?

Learn more about protecting yourself and your stuff.

Read article about renters insurance
Are you ready to buy a home?

Here are some questions to ask yourself if you're trying to decide whether to make the big investment.

Read article about buying a home

IN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.

Note 1 Countrywide average price for policyholders who have $2,500 personal property coverage, $100,000 liability coverage and $5,000 medical payments coverage as of January 2024. Rates vary by location and risk. Rates are subject to change.

Note 2 Savings are off total premium. Not available in all states or in all situations. To qualify for a discount on the property policy, a USAA Auto Insurance policy must be active within 60 days of issuing the property policy. Discounts will apply at renewal for existing property product(s). Discount subject to change. Restrictions apply.

Note 3 Discounts may not be available in all locations and are subject to change, other restrictions may apply.

Note 4 Discount is calculated on select policy coverages. Restrictions may apply.

Note 5 Renter's On-base discount is only available to qualifying members. Some locations may offer a higher discount. Other restrictions apply.

Note 6 Personal Property Insurance means Renters Protection Policy and endorsements provided by United Services Automobile Association.

Note 7 No deductible will be applied for a covered loss to your military uniforms or military equipment while you are on active or reserve duty.

Membership eligibility and product restrictions apply and are subject to change.

Property and casualty insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, NOBLR Reciprocal Exchange, based in San Antonio, Texas; USAA Limited (UK) and USAA S.A. (Europe) and is available only to persons eligible for property and casualty group membership. Each company has sole financial responsibility for its own products. Coverages subject to the terms and conditions of the policy.

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Renters Insurance Discounts

Quality protection can be affordable.

Rack up savings with these discounts.

Bundle Renters and Auto^{See note2}

Claims-Free Discounts^{See note3}

Protective Devices^{See note4}

Living on Base^{See note5}

Service Academy^{See note3}

Military College^{See note3}

Did you know?

Lower the cost of your renters premium.

Other ways to help you save.

Learn the basics of renters insurance.

What is renters insurance?

Are you ready to buy a home?

See how much you can save with USAA Renters Insurance.

Renters Insurance Discounts

Quality protection can be affordable.

Rack up savings with these discounts.

Bundle Renters and AutoSee note2

Claims-Free DiscountsSee note3

Protective DevicesSee note4

Living on BaseSee note5

Service AcademySee note3

Military CollegeSee note3

Did you know?

Lower the cost of your renters premium.

Other ways to help you save.

Learn the basics of renters insurance.

What is renters insurance?

Are you ready to buy a home?

See how much you can save with USAA Renters Insurance.

Bundle Renters and Auto^{See note2}

Claims-Free Discounts^{See note3}

Protective Devices^{See note4}

Living on Base^{See note5}

Service Academy^{See note3}

Military College^{See note3}