Learn how your coverage works, how to get proof of insurance and more.
It’s also known as a certificate of insurance.
A leasing company or the owner of a house you’re renting may ask you to provide proof of insurance when you start or renew your lease.
You can ask us to mail a paper form to you, but you’ll get it right away if we fax or email it. You can also get your proof using the USAA Mobile App.
We can send it to any additional interested party at the start of your policy term. If your coverage changes, it may be good to review or add an additional party.
Your renters policy may cover certain situations you haven’t thought about. Learn about what renters insurance covers. See note 1
The food in your refrigerator is spoiled because the power goes out unexpectedly.
Your laptop is stolen from your car while you’re traveling on vacation.
A storm damages your patio furniture, or a pipe bursts and floods your apartment, damaging your personal property.
Floodwaters ruin your clothing, or an earthquake damages your TV.
A neighbor slips on your wet floor, gets injured and sues you to recover their medical costs.
It’s important to help protect what you have and your financial security.
Take stock of what you have and decide how much you’d need to replace it all. Don’t forget about the stuff you have in storage. We’ll help cover your things at today’s cost with no depreciation after a covered loss.
Lawsuits and medical bills can be costly. Consider the amount of coverage you’d need if you’re held liable for someone’s injury or damage to their belongings.
If a covered event leaves the home you're renting unlivable, this helps pay for temporary housing and increased expenses. It includes costs for things like hotel stays or apartment rent, food, laundry, moving, and pet boarding.
Electronics coverage offers protection beyond the standard renters policy for items like computers, tablets, mobile phones, wearable tech, gaming systems and TVs.
For as little as 14 cents a day, See note 2 you can get covered for things like drops, spills and lost electronics.
If your stuff gets damaged, we’ll pay the cost to repair it, or we may replace it with a new item up to your policy limits. You just pay the deductible.
Steps to complete How the claims process works
You can report a renters claim quickly online or by using the USAA Mobile App.
We’ll review your coverage, check out the damage and give you an estimate.
After we approve the claim, we’ll send the covered amount minus your deducible.
Use the money to replace your items or pay a contractor for repairs.
A deductible is what we subtract from your claim's total payment amount.
For example, if you had a $250 deductible and covered loss of a $1000, we'd subtract $250 from the loss and cover the rest.
In most cases, we’ll automatically start your policy renewal about two months before the end of your policy date. We’ll send you a new policy declarations page within 30 days of renewal.
If you’re on an automatic payment plan, we’ll tell you when your payment will come out of your account.
Your renters insurance goes with you when you move. Just remember to update your policy with your new address and check that it still meets your needs.
If you buy a house, we make it easy to change to a USAA Homeowners policy. Make sure your homeowners policy is active and your things arrive at your new home before you cancel your renters insurance.
Your renters policy has limitations. Adding other types of coverage and policies may help bridge the gaps.
For as little as $2 a month, See note 4 Valuable Personal Property insurance, or VPP, provides extra coverage for items like jewelry, guns and more. And there's no deductible.
Sometimes your renters insurance can’t cover all the medical bills from someone’s injury. Umbrella insurance protects you from liability beyond the limits of other policies.
You may want to add someone to your policy for a number of reasons. For example, if you get married, you’ll want to add your spouse so they can have protection too. Or, if you’re not married or related but are living together as cohabitants in a committed, long term personal relationship, you may be able to add coverage for them by adding the cohabitant endorsement if certain conditions are met.
However, if you’re not in a relationship with your roommate, your policy won’t cover their things, and they will need to purchase their own policy.
You can also add a landlord or additional interest on your policy. If you want to add your apartment complex, you need to have the name of the property management company.
Yes. Flood damage is caused by rising water, or floodwater coming from outside your property. Water damage is unrelated to outside flood water. Water damage could be from a burst pipe or rainwater coming in through a hole in the roof caused directly by either wind or hail.
Flood coverage usually doesn’t come standard with renters insurance, but it’s included with a USAA Renters Insurance policy.
It depends. If you use a professional moving company and have a bill of lading or another form of shipping or storage contract, then renters insurance may cover your things if they’re lost or have some kinds of damage.
But it won’t cover stuff that you move or store on your own. Keep in mind that your renters insurance also won’t cover breaking, marring or scratching caused by the moving company.
You may want to consider buying the moving or storage company’s coverage for added protection.
