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How much is renters insurance with USAA?
I’ve just enlisted with the Air Force and have relocated to Dover, Delaware, where I plan to live off-base with my wife and daughter. I’m shopping around for renters insurance and want to know—how much is renters insurance with USAA?
Rachel Rigolino · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Many thanks for your service, and best wishes on your move to Dover. Without knowing all the particulars, it’s hard to say—exactly—what you’ll pay. However, USAA does report that some policies cost as little as $10/month. That would mean, you’d be paying at least $120/year.
What’s covered by a standard USAA renters policy? Let’s take a look.
Property coverage (Coverage C):
USAA provides automatic Replacement Cost Value (RCV) coverage for your personal possessions. This means that if your 6-year-old Macbook Air is stolen, you’ll be cut a check for enough money to pay for a replacement (after your deductible). Plus, USAA offers additional low-cost add-on insurance. For instance, you can take out extra insurance to protect your electronics from spills and other accidents. And your renters policy makes you eligible to take out low-cost Valuable Personal Property (VPP) insurance to further protect your jewelry, guns, and musical instruments (among other items).
Loss of use coverage (Coverage D):
Coverage D is also called Additional Living Expenses (ALE) coverage. You can use this if your apartment or house is being repaired, and you need to relocate to a hotel for a while. Related expenses—including restaurant bills—are reimbursed.
Personal liability (Coverage E):
If a guest is hurt while visiting you and decides to sue, personal liability coverage protects you.
Medical payments (Coverage F):
If a guest incurs a smaller medical bill (usually $5,000 or less) after being injured at your house or apartment, Coverage F will help pay their bills.
Enjoy your new life with the Air Force and as a resident of Dover—it’s a great small city!
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- Gregory R.
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