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[H1] Insurance, banking and retirement solutions.
[H2] Here are some of the ways we serve the military, veterans, and their eligible family members.
[H2] Insurance Bundling
Save up to 10% when you bundle your auto and property policies.Start bundlinginsurance products
[H2] Renters Insurance
Get coverage for as little as 33¢ a day.We make it easy to cover the stuff you love. And for a few cents more, you can even add extra protection to your electronics.Get a quoteLearn moreUSAA Life Insurance Company and USAA Life Insurance Company of New York
[H2] Life Insurance
It costs less than you might think.Help protect the financial future of those who matter most with USAA life insurance. It's budget friendly and easy to quote.Get a quoteLearn more
[H2] Here's how USAA is different.
[H3] We're military focused.
We don't serve everyone — we serve the military community. We understand their unique needs and create products and services made just for them.
[H3] We're here to help.
We're here when you need us — no matter where you're at in life. Whether you're looking to get free advice or save some money, we've got your six.
[H3] Taking care of the military community and their families.
We are passionate about advocating for those who serve. From meaningful careers beyond the uniform to building financial security and improving overall wellbeing, we are committed to making an impact.
[H2] Who's eligible for USAA membership?
Active duty militaryNational Guard and ReservistsVeterans who have honorably servedFederal Agency EmployeesContracted cadets and midshipmenOfficer and warrant officer candidatesService Academy appointeesMilitary spousesChildren of USAA membersJoin nowLearn more
[H2] Make life easier and manage your accounts with our mobile app.
[IMG: Get the USAA app on the Apple App Store, opens new window]
[IMG: Get the USAA app on the Google Play store, opens new window]
Scan to download the USAA app.
[IMG: QR code for USAA app. Enlarge image]
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[H2] How can we help you?
[H2] Here are some other products and services we offer.
[H3] Insurance
Auto InsuranceHomeowners InsuranceRenters InsuranceLife InsuranceUmbrella InsuranceSmall Business InsuranceMedicare PlansHealth InsuranceVision InsuranceDental InsuranceAdditional InsuranceAnnuities
[H3] Banking
CheckingSavingsCertificate of Deposits (CDs)Credit CardsHome MortgagesAuto LoansPersonal LoansMotorcycle, RV & Boat Loans
[H3] Investing
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[H3] USAA Perks™
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[H3] Advice
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[H3] Military Life
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[H3] Contact Us
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[H3] Quick Links
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[H1] USAA Perks® for shopping and discounts
We bring together top retailers and name brands to help you save on your everyday spending. Save now on Special USAA discounts for your home, moving, auto needs. Save on entertainment deals and travel offers. (Opens new window)
[H4]
[H2] Save big on your next move.
Whether you move yourself or hire help, enjoy deals on truck rentals, storage, movers and junk removal. Shop moving deals Save on moving with PODs, Montway, Budget Truck Rental and Atlas Van lines. (Opens new window)
[H4]
[H1] USAA Perks® for shopping and discounts
We bring together top retailers and name brands to help you save on your everyday spending. Save now on Special USAA discounts for your home, moving, auto needs. Save on entertainment deals and travel offers.
[H4]
[H2] Save big on your next move.
Whether you move yourself or hire help, enjoy deals on truck rentals, storage, movers and junk removal. Shop moving deals Save on moving with PODs, Montway, Budget Truck Rental and Atlas Van lines.
[H4]
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[H2] Savings on what you need to live your best life

[H3] Travel
Get away with discounts on hotels, cruises and other things for your next adventure. Explore travel discounts on cruise, hotels, flights, resorts and car rentals. (Opens new window)
[H4]
[H3] Car rentals
Save up to 35% on options from top car rental companies.‍ ‍,‍ ‍ Compare rental rates from different car rentals. (Opens new window)
[H4]
[H3] Shopping
Explore discounts at over 1,100 retail stores. Plus, get deals on flowers, shipping and more. Start shopping and start saving on food, flowers, gifts and shipping. (Opens new window)
[H4]
[H3] Health
Maintain your healthy lifestyle with gym memberships, wellness coaching, meal delivery and prescription medications. Support your health with savings on gym memberships, prescriptions, food and online merchants. (Opens new window)
[H4]
[H3] Home solutions
Relax in your comfort zone with savings on home security, home improvement projects, energy solutions and more. Explore home discounts Savings for home security and improvement. (Opens new window)
[H4]
[H3] Moving
Unpack ways to save on moving trucks, storage and junk removal. Get help with your move Savings for moving needs. (Opens new window)
[H4]
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[H2] Savings on what you need to live your best life

[H3] Travel
Get away with discounts on hotels, cruises and other things for your next adventure. Explore travel discounts on cruise, hotels, flights, resorts and car rentals. (Opens new window)
[H4]
[H3] Car rentals
Save up to 35% on options from top car rental companies.‍ ‍,‍ ‍ Compare rental rates from different car rentals. (Opens new window)
[H4]
[H3] Shopping
Explore discounts at over 1,100 retail stores. Plus, get deals on flowers, shipping and more. Start shopping and start saving on food, flowers, gifts and shipping. (Opens new window)
[H4]
[H3] Health
Maintain your healthy lifestyle with gym memberships, wellness coaching, meal delivery and prescription medications. Support your health with savings on gym memberships, prescriptions, food and online merchants. (Opens new window)
[H4]
[H3] Home solutions
Relax in your comfort zone with savings on home security, home improvement projects, energy solutions and more. Explore home discounts Savings for home security and improvement. (Opens new window)
[H4]
[H3] Moving
Unpack ways to save on moving trucks, storage and junk removal. Get help with your move Savings for moving needs. (Opens new window)
[H4]
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[H2] Incentives and discounts to help get on the road

[H3] Auto, RV and boat incentives
Tap into savings on a variety of programs for them. Find deals on Auto, RV and boat incentives (Opens new window)
[H4]
[H3] Car care
Keep your car running with deals on tires, repairs and maintenance. Find car care Savings for tires, and car maintenance. (Opens new window)
[H4]
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[H2] Incentives and discounts to help get on the road

[H3] Auto, RV and boat incentives
Tap into savings on a variety of programs for them. Find deals on Auto, RV and boat incentives (Opens new window)
[H4]
[H3] Car care
Keep your car running with deals on tires, repairs and maintenance. Find car care Savings for tires, and car maintenance. (Opens new window)
[H4]
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[H2] Entertainment deals to unlock some fun
From concerts and theater tickets to savings around town, we've got you covered.
[H3] Theme parks and attractions
Have fun and save up to 40% off theme parks, attractions and more.‍ ‍ Shop deals Ticket savings for Theme Parks and attractions, movies and shows. (Opens new window)
[H4]
[H3] Sports and concerts
Get up to 40% off sports and concert tickets.‍ ‍ Save a seat Ticket savings for sports and concerts. (Opens new window)
[H4]
[H3] Local destinations
Enjoy savings on things to do, hotels, events, and more during your next trip or staycation. Explore local destinations (Opens new window)
[H4]
[IMG: USAA Perks logo]
[IMG: USAA Perks logo]
[H2] USAA Perks is a free benefit of membership.
USAA Perks has been helping its members save money on everyday needs for over 40 years. In the last 5 years alone, USAA Perks has saved members a total of $1.24 billion.‍ ‍The program continuously adds new retailers and top brands, expanding member options for savings. Best of all, USAA Perks is entirely free to use for all USAA members; it's included with your membership.  Join USAA if not a USAA member.
[H4]
Learn more about USAA membership
[H4]
[H2] Why use it?
[H3] Easy access
Just log on to your account and select your discounts.
[H3] Security
We don’t sell your information. We also use strong security procedures to help protect your privacy.

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[H2] Entertainment deals to unlock some fun
From concerts and theater tickets to savings around town, we've got you covered.
[H3] Theme parks and attractions
Have fun and save up to 40% off theme parks, attractions and more.‍ ‍ Shop deals Ticket savings for Theme Parks and attractions, movies and shows. (Opens new window)
[H4]
[H3] Sports and concerts
Get up to 40% off sports and concert tickets.‍ ‍ Save a seat Ticket savings for sports and concerts. (Opens new window)
[H4]
[H3] Local destinations
Enjoy savings on things to do, hotels, events, and more during your next trip or staycation. Explore local destinations (Opens new window)
[H4]
[IMG: USAA Perks logo]
[IMG: USAA Perks logo]
[H2] USAA Perks is a free benefit of membership.
USAA Perks has been helping its members save money on everyday needs for over 40 years. In the last 5 years alone, USAA Perks has saved members a total of $1.24 billion.‍ ‍The program continuously adds new retailers and top brands, expanding member options for savings. Best of all, USAA Perks is entirely free to use for all USAA members; it's included with your membership.

[H1] Renters insurance helps cover what matters most.
Enjoy more peace of mind for as little as 33 cents a day.‍ ‍ See note 4 Get a renters quote
[H4]
Retrieve a saved quote
[H4]
[H1] Renters insurance helps cover what matters most.
Enjoy more peace of mind for as little as 33 cents a day.‍ ‍ See note 4 Get a renters quote
[H4]
Retrieve a saved quote
[H4]

Select Navigate

[H2]
Explore our resources.

Renters resources

Explore

[H2]
What’s renters insurance?

Renters insurance helps protect your property and finances. It can pay to repair or replace your things if they’re stolen or damaged by a covered event. Liability coverage helps when you’re responsible for someone else’s injury or damage to their property.
Some landlords may require you to have a renters policy. Whether you're in an apartment, house, dorm or military base, renters insurance can help protect you from the unexpected.

[H2]
Are you a landlord looking to insure a rental?

We offer USAA Rental Property Insurance, also known as landlord insurance. It provides liability coverage and helps pay to repair or rebuild your rental if it’s damaged or destroyed by a covered loss.

Learn about landlord insurance

[H4]

[H2]
What does USAA Renters Insurance cover?

Renters insurance helps cover you and your stuff when the unexpected happens. Here are some of the things we can help protect you against.

[H3]
Claims against you

If you’re liable for someone’s injury or damage to their property, this may protect you and cover your legal costs.

[H3]
Theft and vandalism

If someone steals something you own, like your phone or laptop, this can help replace it based on what it would cost today.

[H3]
Smoke, fire or lightning

If smoke from a fire in your dorm ruins your clothes, renters insurance can help you replace them.

[H3]
Flood

If flood waters damage your furniture and you need to replace it, your renters insurance may cover the cost. Depending on where you live, you might need to buy this extra coverage.

[H3]
Earthquake

If your things are damaged or fall during an earthquake, shock wave or tremor, your policy may provide coverage. Depending on where you live, you might need to buy this extra coverage.

[H2]
Extra protection for electronics

Home and renters policies cover losses like theft, vandalism, fires and most weather-related damage. Our electronics coverage options offer protection for more common accidents.‍ ‍ See note 1
So if you accidentally damage or lose your laptop, we'll help pay to repair or replace it up to your coverage limit.

Learn about electronics coverage

[H4]

[H2]
Do I need renters insurance?

You may need renters insurance if:

You or your child live in a dorm, on a base or rent a room.
You or your child rent a house, condo, townhome or apartment.
Your landlord requires you to get renters insurance.
You need help with repairing or replacing items stolen or damaged in a covered loss.
You want to make sure your friends are covered if they get hurt or their stuff is accidentally damaged in your home.
You're moving, traveling, PCSing or keeping stuff in storage.
You live in an area that has destructive weather like hail, tornadoes or hurricanes.

[H2]
Coverage that supports military life

We understand that you have unique insurance needs while serving your country. That’s why we offer renters insurance with benefits designed for military members.
For example, we’ll waive your deductible if your military equipment gets damaged or stolen.‍ ‍ See note 2 And if you live on base, you can save up to 28% on your renters policy.‍ ‍ See note 3

Explore military renter benefits

[H4]

[H2]
Peace of mind for first-time renters

Young adults moving away from home may have unique living situations. Renters insurance covers you as a first-time renter in a dorm, on base or in your first apartment.
Help protect your finances and your stuff with USAA Renters Insurance.

Explore first-time renter benefits

[H4]

[H2] Why choose USAA Renters Insurance?
[H3] Award-winning service
USAA Renters Insurance consistently wins top awards for overall satisfaction. As a USAA member, you'll get quality coverage and exceptional service.
[H3] Worldwide protection
We offer coverage no matter where you live or store your stuff. When you travel, we cover the things you bring with you.‍ ‍
[H3] Replacement cost coverage
Your policy covers your belongings at current value with no depreciation.‍ ‍ If your stuff gets damaged, we'll pay to repair it, or we may replace it with a new item valued up to your policy limits. You just pay your deductible. Get a renters quote
[H4]
[H2] Why choose USAA Renters Insurance?
[H3] Award-winning service
USAA Renters Insurance consistently wins top awards for overall satisfaction. As a USAA member, you'll get quality coverage and exceptional service.
[H3] Worldwide protection
We offer coverage no matter where you live or store your stuff. When you travel, we cover the things you bring with you.‍ ‍
[H3] Replacement cost coverage
Your policy covers your belongings at current value with no depreciation.‍ ‍ If your stuff gets damaged, we'll pay to repair it, or we may replace it with a new item valued up to your policy limits. You just pay your deductible. Get a renters quote
[H4]

[H2]
How much does renters insurance cost?

You can expect to pay as little as $10 a month for a renters policy.‍ ‍ See note 4 What you pay depends on how much you cover and what deductible you choose.
A higher deductible can mean you pay less for your policy, but you'd pay more out of pocket if you file a claim. With a lower deductible, you pay a little more per month but less for a covered claim.

[H2]
Can I get a discount on renters insurance?

If you're looking to save on renters insurance, we have discounts to help make it work for your budget. Plus, you can save when you bundle renters insurance with other USAA policies.‍ ‍ See note 5

Learn about renters discounts

[H4]

[H2]
How much coverage do you need?

Everybody’s needs are different. We can help you customize a policy that’s right for you.

[H3]
Personal belongings

The amount of coverage you need depends on how much your belongings are worth. You should consider:
How much it would cost to replace your stuff.
The value of things you have in storage.
What you can’t live without or pay to replace tomorrow.

[H3]
Liability

Liability coverage helps protect you from lawsuits and the cost of someone else’s medical bills. You need to consider:
Your landlord’s requirements.
The value of the things you own including savings, investments and income.
The risk of someone getting hurt or accidentally damaging their stuff in your home.

Learn about renters coverage

[H4]

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[H2]
Other policies you may need with renters insurance

[H3]
Valuable Personal Property insurance

For as little as $2 a month,‍ ‍ See note 6 Valuable Personal Property, or VPP, insurance provides extra protection for items like jewelry, guns and more. And there's no deductible.

Learn about VPP

[H4]

[H3]
Pet insurance

Help protect your furry friends from head to tail for most accidents and illnesses with coverage through the USAA Insurance Agency.

Learn about pet insurance

[H4]

[H3]
Umbrella insurance

Sometimes your renters insurance can’t cover all the medical bills from someone’s injury. Umbrella insurance can help pay the remainder of a covered claim after you reach your renters policy limit.

Learn about umbrella

[H4]

[H2]
Renters insurance FAQ

[H3]
Does renters insurance cover moving?

It depends. If you use a professional moving company and a shipping contract, renters insurance may give you coverage if the moving company loses your things.
Your policy may also cover some types of damage, but keep in mind this won't include breaking, marring or scratching caused by the moving company.‍ ‍ See note 7 You may want to consider buying their coverage for added protection.
If you already have renters insurance, remember to update your policy with your new address and be sure it still meets your needs.
We make it easy to change policies if you buy a house and get USAA Homeowners Insurance. Just make sure your homeowners policy is active and your things arrive at your new home before you cancel your renters insurance.

[H3]
Who's covered on my renters policy?

Your renters policy automatically covers family members who live with you, including your spouse and children. Roommates need to buy their own renters insurance. You can update your policy anytime by logging on to usaa.com.

[H3]
Does renters insurance cover storage units?

Renters insurance covers your stuff when it’s in storage, up to your policy’s limit. This applies whether you live in the U.S. or overseas. Some storage companies might require you to get coverage.
Keep in mind that your renters insurance won’t cover broken items or damage caused by mildew, rodents or insects. You may want to consider adding the storage company’s coverage for more protection.

[H3]
Do I need renters insurance if I have homeowners insurance?

You don’t need both policies for the same location.
But you may want a separate renters policy if your child is away at school. Or if you own your home and rent another home part of the year, you may want renters insurance for the home you’re renting.

[H2]
Learn more about renters insurance.

Article:
4 minutes

Read article: What is renters insurance?

Article:
5 minutes

Read article: Is renters insurance worth it?

Article:
7 minutes

Read article: Why you need renters insurance, especially in the military

[H2] Cover the things you can’t live without.
Get a renters quote
[H4]
Retrieve a saved quote
[H4]
[H2] Cover the things you can’t live without.
Get a renters quote
[H4]
Retrieve a saved quote
[H4]

USAA Life Insurance Company and USAA Life Insurance Company of New York
[H1] Life insurance for your family’s future
We offer term life and permanent life policies to fit your needs. Get a quote for Term Life
[H4]
Call 800-531-LIFE (5433) For TTY devices, dial 711 Hours
[H4] Hours of operation for USAA Life Insurance
Monday to Friday 7:30 a.m. to 7 p.m. CT Saturday and Sunday Closed Note: Days and times may vary. USAA Life Insurance Company and USAA Life Insurance Company of New York
[H1] Life insurance for your family’s future
We offer term life and permanent life policies to fit your needs. Get a quote for Term Life
[H4]
Call 800-531-LIFE (5433) For TTY devices, dial 711 Hours
[H4] Hours of operation for USAA Life Insurance
Monday to Friday 7:30 a.m. to 7 p.m. CT Saturday and Sunday Closed Note: Days and times may vary.

[H2]
How much life insurance do you need?

We suggest that you have enough coverage to replace your income for at least 5 years, pay off your debt or cover your funeral costs.
Let us help you figure out how much is right for your needs.

Go to life insurance calculator

[H4]

[H2]
Get online estate planning on certain policies up to a $599 value.

You’ll get a free will or trust package from Trust & Will, a leader in online estate planning, if you buy one of our most popular policies.‍ ‍ See note 1
USAA Eagle Express Term Life Insurance
USAA Secure Whole Life™ Insurance
USAA Secure™ Final Expense Whole Life Insurance

[H3]
Trust

This includes a revocable trust, certification, all your will documents and a schedule of assets.

[H3]
Will

This includes a last will and testament, power of attorney, medical info authorization and medical directive, or living will.

[H3]
Printing and shipping

Trust and Will can print and ship the documents you need free of charge.

[H2]
Anyone can benefit from life insurance.

[H3]
Families with children

Your coverage helps your spouse continue the care you provided. Plus, it could help pay for college.

[H3]
People without kids

Coverage can help pay off debt, offset funeral costs and pay estate taxes. You can also borrow money against some policies for retirement.

[H3]
Military members

A life insurance policy can supplement SGLI and may be cheaper than VGLI.

[H2]
Why choose life insurance through USAA

[H3]
Flexible coverage

Many of our policies allow you to increase your coverage after certain life events.‍ ‍ See note 2,‍ ‍ See note 3,‍ ‍ See note 4,‍ ‍ See note 5

[H3]
Dedicated support

Our Survivor Relations team is here to help your family understand their options and next steps to take after the loss of a loved one.

[H3]
Financial strength

Our life insurance company gets these high ratings‍ ‍ See note 6:
A.M. Best: A++
Moody's Investors Service: Aa1
S&P Global Ratings: AA

[H3]
Caring environmental partner

We’re committed to doing our part to preserve the environment for future generations.

[H3]
Multi-product discount

Have a homeowners, auto or renters policy with USAA? You could save money on these policies when you buy a life insurance policy from us.‍ ‍ See note 7

[H2]
Save on other things with USAA Perks®.

As a member, you can find savings on things like travel, entertainment and services with USAA Perks®.

[H2]
Policies designed with military in mind

We know military life can be challenging. Some of our policies have extra features for the military.‍ ‍ See note 8,‍ ‍ See note 9,‍ ‍ See note 10
Add term coverage equal to your SGLI without a medical exam when you separate or retire.‍ ‍ See note 11
Potentially pay less than Veteran's Group Life Insurance and get features not available in VGLI.
Expedite your application process if you're deploying.
Lock in your coverage at your current health.

Learn about military features

[H4]

[H2]
Need help choosing?

Get help deciding which type of life insurance is best for you with our life insurance tool.

Get help choosing a life policy

[H4]

[H2]
Who can get USAA Life Insurance?

Any U.S. citizen or permanent resident can apply for USAA Life Insurance. While we’re focused on serving the military community, you don't need a military connection.
To get a policy with us, we look at things like your age, health and lifestyle. We may also need the results of a medical exam.

[H2]
How much is life insurance?

The younger you are, the less you’ll usually pay. Other factors include:
Your health and lifestyle.
Your occupation.
The type of life insurance you choose.
How much coverage you get.

[H2]
How to get life insurance

Steps to complete How to get life insurance

Choose

Review your term or permanent options and get a quote. We can help you schedule a free medical exam if you need one.

Apply

Answer a few questions and complete a medical exam if it’s required. We'll review your application.

Buy

If you’re approved, your coverage starts the day you make your first payment.

Schedule a call

[H4]

Call 800-531-LIFE (5433)

For TTY devices, dial 711

Hours

[H4] Hours of operation for USAA Life Insurance

Monday to Friday

7:30 a.m. to 7 p.m. CT

Saturday and Sunday

Closed

Note: Days and times may vary.

[H2]
Life insurance FAQ

[H3]
Should my spouse and I both have life insurance?

It depends. If you need both of your salaries to afford your lifestyle, then you should each consider getting a life insurance policy.
If one of you doesn't work, life insurance can help your surviving spouse maintain the household.

[H3]
What if I already have life insurance through work?

Keep it but consider that it may not be enough coverage to meet your needs. Also, keep in mind you usually lose it when you leave your job.
If you want to discuss your options, call us at 800-531-LIFE (5433).

[H3]
When is the best time to get life insurance?

Life insurance usually doesn’t get cheaper as you age. The younger you are when you get coverage, the less you’ll pay over your lifetime.

[H2]
More life insurance resources

Article:
4 minutes

Read article: Life insurance: Making the right choices for your family

Article:
8 minutes

Read article: Pros and cons of common life insurance strategies

Article:
4 minutes

Read article: Life insurance in retirement: Planning for security

[H2] Life insurance that fits your life
We’re here to help you choose the right policy for your needs. Get a quote for term life
[H4]
Call 800-531-LIFE (5433) For TTY devices, dial 711 Hours
[H4] Hours of operation for USAA Life Insurance
Monday to Friday 7:30 a.m. to 7 p.m. CT Saturday and Sunday Closed Note: Days and times may vary.
[H2] Life insurance that fits your life
We’re here to help you choose the right policy for your needs. Get a quote for term life
[H4]
Call 800-531-LIFE (5433) For TTY devices, dial 711 Hours
[H4] Hours of operation for USAA Life Insurance
Monday to Friday 7:30 a.m. to 7 p.m. CT Saturday and Sunday Closed Note: Days and times may vary.