What's personal property insurance for military service academies?
Personal property insurance for service academy cadets and midshipmen is a special type of renters insurance. Our academy policy helps protect the things that make your housing feel more like home. It covers your academy-issued laptop and class ring, plus things like your clothes, game console 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. 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 and midshipmen attending the U.S. Air Force Academy, U.S. Coast Guard Academy, U.S. Merchant Marine Academy, U.S. Military Academy at West Point and the U.S. Naval Academy. It's also available to academy appointees and anyone attending a service academy preparatory school.
What does personal property insurance cover?
This insurance is the key to greater peace of mind while you're living at the military service academy. Here are some of the losses a policy covers.
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Theft and Vandalism
Includes identity theft,See note3 stolen items and vandalized personal property
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Most Weather-Related Events
Covers wind and flood damage that affect your personal belongings
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Fire and Smoke
Covers accidental fires inside your academy home, wildfires and smoke damage
Items protected under your policy
No matter where you travel, our worldwide coverage goes with you.See note4 Whether you're at the academy, in your hometown or overseas, your personal belongings are protected. Here are some of the things a policy can cover.
- Clothing
- Class Ring
- Academy-issued laptop
- Military uniformsSee note5
- Sports gear
- Game consoles
- Mobile phones
- Televisions
- Cameras
- Guns
- Musical instruments
Low monthly cost for coverage
You can get a service academy policy with $3,000 in standard coverage and $5,000 in identity theft protection for about $5 a month. That's 40% 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 note6
What sets USAA apart?
USAA is proud to serve cadets and midshipmen. 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.
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Keep more of your money with low deductibles.
Our service academy personal property policy comes with deductibles as low as $100 for each claim. Your deductible is only $50 if your academy-issued laptop is damaged or stolen. Plus, there's no deductible on your class ring.
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Replacement cost coverage is standard.See note7
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.
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Cadets and midshipmen get added benefits.
You'll get expanded coverage for your class ring and academy-issued laptop at no extra cost. That means those items are protected for a range of losses, including accidental drops and spills.
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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.
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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.
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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 or damages.
How to get a USAA insurance quote as a cadet or midshipman
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Step 1: Become a USAA member.
Not a member yet? You'll need to join USAA before getting a quote.
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Step 2: Let us know where you're living.
Give us the physical address of your military service academy.
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Step 3: Choose your coverage.
Customize your coverage and get an estimate of your monthly premium.
Take protection up a notch.
You can bundle, add on or enhance your insurance coverage.
Auto Insurance
Taking your car to the academy? Save up to 10% when you bundle your personal property insurance with auto coverage.See note8
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 note9