However, negative reviews came from long-time customers who are unhappy with recent service. Many positive reviewers have been customers for several generations. Most positive reviews mention excellent customer service and below-average rates. While overall ratings on review sites were low, many reviewers seemed genuinely surprised by the overall rating. Although USAA doesn’t qualify for a ranking through JD Power, the insurer’s customer satisfaction score was 886 out of 1,000. We also took into account ratings from the 2022 JD Power Home Insurance Study. We looked through hundreds of reviews on the Better Business Bureau, Trustpilot and other sites. We wanted to get a better idea of how customers feel about their experience with USAA renters insurance. The endorsement covers most electronics, including smartphones, desktop and laptop computers, TVs, gaming consoles and stereo systems. However, USAA lets members add an endorsement to their policy to protect electronics from everyday accidents. Technology coverage: Most renters insurance policies don’t pay to repair or replace your electronics if you spill liquids on them or drop them.VPP coverage doesn’t have a deductible, and you might be eligible for a discount on your renters insurance when you bundle VPP. You could include jewelry, guns and fine art, for example, in a VPP policy. Valuable personal property (VPP): This add-on insurance coverage option helps protect expensive personal property that may fall outside the limits of your basic renters coverage.Your USAA renters insurance policy will pay for the extra cost of your temporary living arrangements. You may have to live in a hotel temporarily, which costs a lot more than living on base. For instance, if a burst pipe in your barracks and water damages the walls to the point that you have to vacate until a restoration crew can clean it up, you’re covered. Additional living expenses: If your rental turns unlivable because of a covered accident, additional living expenses coverage (called loss of use coverage) can help you pay for temporary housing.Policyholders can opt for replacement cost coverage to help cover the total cost of replacing their damaged items. USAA even covers your belongings in case of flooding or earthquakes, something most renters insurance policies exclude. It covers all or part of the cost to replace personal belongings following an accident that’s covered by the policy. Personal property insurance: Personal property coverage is one of the primary reasons military members get renters insurance.Liability coverage also covers the cost of defending yourself in court (up to your coverage limit) if someone sues you for a covered accident. For example, if your pet bites a guest and the visitor needs stitches, your personal liability coverage helps cover the medical payments for the injured person’s medical bills. Liability coverage can pay for medical bills or repair costs if you cause an accident that results in injuries or property damage. Liability insurance: This coverage protects you from the cost of being liable - legally responsible - for an accident.
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