Compare the advantages and disadvantages of a USAA renters insurance policy below.

The cost of USAA renters insurance can be as low as $10 per month. Quartz Advisor Reviews Team requested a quote to verify that price using information for a three-bedroom apartment in Raleigh, North Carolina:

Your USAA renters insurance deductible will be $250, $500, $1,000, or $2,500.

To get your own quote, you’ll have to determine if you’re eligible by answering questions regarding your military history or your family member’s history. Once you’re eligible for coverage, you can create an account and input the following information to receive a quote:

• Name
• Date of birth
• Email
• Phone number
• Address
• Gender
• Security features

USAA covers the following events:

• Fire and lightning
• Flood and water
• Windstorm or hail
• Collapse of building
• Volcanic eruption
• Earthquake
• Smoke
• Freezing
• Falling objects
• Explosion
• Theft
• Aircraft
• Vehicles
• Vandalism and malicious mischief
• Riot and civil commotion
• Sudden and accidental tearing apart, cracking, burning, or bulging
• Sudden and accidental damage from artificially generated electrical current

USAA renters insurance includes three main coverage areas:

1. Personal Property Coverage

This part of the policy protects the belongings you own in the apartment or home you rent. USAA offers replacement cost coverage, which means that if one of the covered events damages your items, they will cover replacement costs as if the items were new.

The quote we received from USAA included $30,000 for personal property coverage.

2. Liability Coverage

If you’re responsible for damaging your neighbor’s property or injuring them, your policy will cover the cost to repair or replace their items or pay their medical bills.

Our USAA quote included $100,000 for liability coverage.

3. Coverage for Medical Payments to Others

If a guest is injured in your home, your policy may cover the medical bills if they see a doctor.

The USAA quote we received included $5,000 per person for medical payments to others.

Here are the available coverage amounts according to North Carolina information:

USAA allows you to buy extra personal property coverage for more expensive items with valuable personal property and computer and tablet add-on options.

USAA Renters insurance is available in all 50 states, so no matter where you currently live or decide to move you will be able to use USAA. To see a complete list of the top providers in your area, click on your state in the list below:

Alabama | Alaska | Arizona | Arkansas | California | Colorado | Connecticut | Delaware | Florida | Georgia | Hawaii | Idaho | Illinois | Indiana | Iowa | Kansas | Kentucky | Louisiana | Maine | Maryland | Massachusetts | Michigan | Minnesota | Mississippi | Missouri | Montana | Nebraska | Nevada | New Hampshire | New Jersey | New Mexico | New York | North Carolina | North Dakota | Ohio | Oklahoma | Oregon | Pennsylvania | Rhode Island | South Carolina | South Dakota | Tennessee | Texas | Utah | Vermont | Virginia | Washington | West Virginia | Wisconsin | Wyoming

USAA has a customer portal and mobile app so that you can review your policy and file a claim at any time. To talk to a customer service representative, call 210-531-8722 or 800-531-8722, and you’ll be forwarded to the correct department. The claims center is open 24 hours a day, but the rest of the departments have limited hours.

If you’re a current military member, veteran, pre-commissioned officer, or the spouse or child of someone in the military, we recommend getting a quote for USAA renters insurance. The insurance policy offers standard personal property and liability coverage with unique coverage for floods and earthquakes. You also get to enjoy certain USAA membership perks for free, like car buying discounts and travel deals.

Along with your quote from USAA, we recommend requesting renters insurance quotes from at least two other insurance carriers so that you can find the policy with the type of coverage you want at the price you can afford.

If you’re not sure whether USAA is right for you, compare it to other top-rated renters insurance companies below.