USAA Renters Insurance Review

Top-rated renters insurance for military members and families with replacement cost coverage and competitive rates.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 29, 2026.

Our verdict

If you're a military member, veteran or family member, USAA is the renters policy to quote first: replacement cost coverage comes standard, so claims aren't cut for depreciation, and plans start from $10 a month. Eligibility is the whole limit, and there are no local agent offices, only phone, online and app.

Skip it if you aren't a military member, veteran or family member, or if you want a local agent's office.

About USAA Renters Insurance

Top-rated renters insurance for military members and families with replacement cost coverage and competitive rates. USAA Renters Insurance is offered by USAA. Our editorial rating is 4.8 out of 5.

Best for: Military members and veterans wanting top-rated renters coverage.

Editorial grade: A (composite score 90/100).

Highlights

Replacement cost coverage included by default
Among the lowest average premiums in the industry
Available to military members, veterans, and families

What we like

Excellent customer satisfaction (consistently top-rated)
Competitive premiums with multi-policy discounts
Replacement cost standard (no depreciation on claims)

Where it falls short

Only available to military members, veterans, and their families
No local agent offices (phone, online, and app only)

Fees, minimums, and rates

Monthly fee: From $10/month. Minimum to open: N/A. Rates and fees last checked on September 29, 2026.

How we reviewed it

This is a desk review: we have not opened an account with USAA. It is built from USAA's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Renters Insurance shortlist. The rubric is the same for every brand.

Similar products to compare

Read our full editorial methodology for how we review products.