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What's personal property insurance for military colleges?

Personal property insurance for senior military college cadets is a special type of renters insurance. Our military college policy helps protect the things that make college housing feel more like home. It covers your class ring plus things like your clothes, game console, laptop and guitar. So, if something happens that's covered by your policy, you may be protected.See note2

Our policy can also provide liability coverage.See note3 This coverage helps protect you financially if you're held responsible for harm to another person or their things.

Who can get it?

We offer coverage to cadets attending Texas A&M University, The Citadel, Norwich University, University of North Georgia, Virginia Military Institute, and Virginia Polytechnic Institute and State University.

What does personal property insurance cover?

This insurance is the key to greater peace of mind while you're attending a senior military college. Here are some of the losses it covers.

  • Theft and Vandalism

    Includes identity theft,See note4 stolen items and vandalized personal property

  • Most Weather-Related Events

    Covers wind and flood damage that affects your personal belongings

  • Fire and Smoke

    Covers accidental fires inside your college home, wildfires and smoke damage

Items protected under your policy

No matter where you travel, our worldwide coverage goes with you.See note5 Whether you're at college, in your hometown or overseas, your personal belongings are protected. Here are some of the things a policy can cover.

  • Clothing
  • Class ring
  • Laptop and tablet

  • Military uniformsSee note6

  • Sports gear
  • Game consoles
  • Mobile phones
  • Televisions
  • Cameras
  • Guns
  • Musical instruments

Low monthly cost for coverage

You can get a senior military college policy with $3,000 in standard coverage and $5,000 in identity theft protection for about $9 a month. That's 20% less than the price of our traditional renters insurance.

Think you need more protection? For only a few dollars more a month, you can increase your coverage limit or bulk up your policy with a tech package.See note7

What sets USAA apart?

We're proud to serve those attending senior military colleges in the U.S. We offer personal property insurance so you can focus on moving your military career forward. Let us help protect what you value, while providing customer service you can count on.

  • Keep more of your money with low deductibles.

    A military college personal property policy comes with deductibles as low as $100 for each claim. Plus, there's no deductible on your class ring.

  • Replacement cost coverage is standard.See note8

    This means that, after your deductible is paid, we could cover your things at today's cost, no matter their age. When we cover your loss, you could get enough to buy a new TV, computer or other item if your old one is stolen or damaged.

  • Cadets get added benefits.

    You'll get expanded coverage for your class ring at no extra cost. That means you're covered if the ring is lost or accidentally damaged.

  • We make it easy to file claims.

    You can quickly file and track your claims online. Your claims adjuster will provide support throughout the process. It's also simple to manage your policy on the USAA Mobile App.

How much personal property coverage do I need?

You can choose the amount of coverage on your policy and decide if you want liability insurance. It's your policy to customize.

  • Personal Property

    The amount of personal property coverage you need depends on how much your belongings are worth. To get an idea of your coverage needs, create an inventory of your things, estimating their value. Then, look at the total cost you might have to pay to repair or replace them.

  • Liability

    Liability coverage helps protect your assets and future income. When deciding on this coverage, consider your net worth and your risk of being held responsible for injuries and damages.

How to get a USAA insurance quote as a cadet

  1. Step 1: Become a USAA member.

    Not a member yet? You'll need to join USAA before getting a quote.

  2. Step 2: Let us know where you're living.

    Give us the physical address of your military college housing.

  3. Step 3: Choose your coverage.

    Customize your coverage and get an estimate of your monthly premium.

Get a quote

Take protection up a notch.

You can bundle, add on or enhance your insurance coverage.

  • Auto Insurance

    Taking your car to college? Save up to 10% when you bundle your personal property insurance with auto coverage.See note9

    Learn about auto insurance

  • Technology Package

    Life happens. Our tech package enhances your protection with coverage for your personal electronics for as low as 14 cents a day.See note10

    Learn about electronics coverage

Senior Military College Personal Property Insurance FAQ

It's protection for your belongings no matter where they're housed or moving to next. Our policy offers worldwide coverage for your personal belongings whether they're in a dorm or barracks, at your family home or overseas.

Liability coverage helps protect you if you're held responsible for harm to another person or their belongings.

When getting a personal property policy through USAA, you can choose if you want to include this coverage. To help you decide, consider:

  • Your net worth, which is the value of your assets minus any debts you owe.
  • Your risk of being held financially responsible for injury or damages.

It could be. Your parents can check their homeowners policy to see if you have coverage when away from home or on campus. One thing to think about — deductibles are generally higher on a homeowners policy than on our military college personal property policies.

Let's say a homeowners policy has a $2,000 deductible and your $750 guitar is stolen. You won't be paid for the theft of your guitar because the guitar's value is less than the policy's deductible.

Having a property policy of your own can also be part of your financial journey — as you start a military career and life on your own.

If you're attending a senior military college, you can apply to join USAA.

You'll need your branch of service, commissioning source and commissioning date to join. You can also call us for help at 800-645-1643.