USAA offers a variety of life insurance plans, including term life benefits specifically for military members.

Term Life Insurance lasts for a period of 10, 15, 20, 25, or 30 years. During your policy period, your coverage amount and premium payments are guaranteed to stay the same. USAA offers special term life benefits, including:

• Coverage after service: Retired military members can get an additional $400,000 in additional coverage. 
• Severe injury coverage: Covers up to $25,000 if you’re severely injured in the line of duty.
• Child protection: Provides coverage for your children, and gives them the option to convert it into their own life insurance policy when they get older.
• Growth adjustments: Allows you to add another $100,000 of coverage when you get married, have a child, or buy a house. This benefit is only available if you’re between 18 and 35 years old. 
• Option to upgrade: Allows you to upgrade your term life insurance to a whole life insurance policy at any time. 
• Wartime coverage: Covers you even if your death is caused by war or an act of terrorism. 

Whole Life Insurance coverage lasts a lifetime, and your premium payments build cash value. For the length of your policy, your coverage amount and premium payments are guaranteed to remain the same. Whole Life benefits from USAA include:

• Growth adjustments: Allows you to add another $100,000 of coverage when you get married, have a child, or buy a house. This benefit is only available if you’re between 18 and 35 years old. 
• Cash value: Allows you to borrow against the premium payments you’ve already made, tax-deferred. 

Universal Whole Life Insurance lasts a lifetime and allows you to change your coverage amount and premium payments at any time. Universal Whole Life benefits from USAA include:

• Cash value: Allows you to borrow against the premium payments you’ve already made, tax-deferred. 
• Control adjustments: Allows you to increase or decrease your coverage limits and premium payments at any time. 
• Guaranteed minimum interest rate: Your coverage begins with a guaranteed minimum interest rate that increases with your cash value. 
• Income-tax-free death benefit: Pays out your death benefit in an income-tax-free lump sum.

USAA offers full coverage car insurance, as well as optional protections. 

Full coverage from USAA auto insurance includes:

• Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at fault for an accident. 
• Collision coverage: Pays to repair or replace your vehicle after a collision with another object, or if it rolls over. 
• Comprehensive coverage: Pays to repair or replace your vehicle if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc. 
• Uninsured/underinsured motorist: Pays for your medical bills, lost income, and damages after an accident if the at-fault driver has little or no liability insurance. 
• Personal injury protection (PIP): Also known as no-fault insurance, this pays medical expenses and damage costs, regardless of who is at fault. 
• Medical payments: Pays for medical and funeral expenses of the policyholder, passengers, or a member of the policyholder's family if they're injured in an accident, regardless of who is at fault.

Optional coverages include:

• Roadside assistance: Pays for towing to the nearest repair shop and other services if your car breaks down due to mechanical or electrical issues like a dead battery, flat tire, lockout, or empty gas tank.
• Rental reimbursement: Pays for a rental car while your vehicle is being repaired after a covered loss.
• Accident forgiveness: Your premiums won’t increase after one accident if you’ve been accident-free with USAA for five years.

USAA offers comprehensive renters insurance to protect your liability and personal belongings, including clothing, furniture, electronics, phones, cameras, jewelry, and more. 

Standard renters insurance from USAA includes:

• Personal property: Pays to repair or replace your personal possessions, like clothing and furniture, if it’s damaged or stolen from your apartment, car, or anywhere else in the world.
• Bodily injury and property damage liability: Covers medical expenses and legal fees if someone is injured or their property is damaged on your premises. 
• Flood insurance: Included with a basic renters insurance policy; provides coverage for property damaged by flood waters.
• Earthquake insurance: Included with a basic renters insurance policy; provides coverage for property damaged as a result of earthquakes.
• Replacement cost coverage: Pays to replace damaged personal belongings at the current market value price, regardless of depreciation or condition at the time of the loss.

USAA offers insurance coverage to protect your home and personal belongings from fire, theft, vandalism, liability, identity theft, and most weather-related events.

Basic homeowners insurance coverage from USAA includes:

• Dwelling coverage: Pays to repair or rebuild your home after a covered loss up to the limit set in your policy. 
• Other structures coverage: Pays for covered damage to detached structures on your property, like a fence or garage.
• Personal property: Pays to repair or replace your personal possessions, like clothing and furniture, if it’s damaged or stolen. 
• Loss of use coverage: Pays for temporary living expenses, like hotel stays and meals, if your home is deemed uninhabitable after a covered loss. 
• Personal liability: Pays defense and settlement costs if someone sues you or a family member for bodily injury and/or property damage. 
• Military uniform coverage: Pays to replace damaged military uniforms for active duty and deployed members.

Optional coverages from USAA include:

• Replacement cost coverage: Pays to replace damaged personal belongings at the current market value price, regardless of depreciation or condition at the time of the loss.

USAA offers landlord insurance, also known as dwelling fire insurance, for up to ten tenant-occupied rental properties.  

A landlord insurance policy from USAA includes:

• Premises Liability: Provides bodily injury and property damage coverage for claims involving your rental property. Also pays for associated medical and legal expenses.
• Property Coverages: Provides coverage for your rental property, other structures (like garages or sheds), and your personal property that’s kept in your rental units (such as appliances or furniture). 
• Income replacement: Pays for your lost rental income while your rental property is being repaired after a covered loss. 
• Replacement cost coverage: Pays to replace damaged personal belongings at the current market value price, regardless of depreciation or condition at the time of the loss.

USAA offers Valuable Personal Property (VPP) insurance to its homeowner and renter insurance policyholders. This policy provides higher limits and extended coverage for your valuable possessions, such as jewelry, guns, cameras, instruments, fine art, furs, etc. 

Valuable Personal Property policies include:

• No deductible
• Worldwide coverage
• Coverage for lost and broken valuables

USAA offers flood insurance through the National Flood Insurance Program, which provides a maximum of $250,000 in building coverage, and $100,000 for personal belongings. 

USAA offers basic and optional condo insurance coverages to protect what your association’s master policy cannot. 

Basic condo insurance includes coverage for: 

• Personal property: Pays to repair or replace your personal possessions, like clothing and furniture, if it’s damaged or stolen. 
• Personal liability: Pays defense, settlement, and medical costs if someone sues you for bodily injury or property damage that took place in your condo unit. 
• Loss assessment: In the event your condo association to found liable for injury or damage that exceeds their liability coverage, this pays up to $10,000 for your share of the remainder of the claim. 
• Building items: Pays to repair or replace interior portions of your unit, such as plumbing, countertops, fixtures, and any improvements you’ve made.

Optional condo insurance coverages from USAA include:

• Loss of use coverage: Pays for temporary living expenses, like hotel stays and meals, if your condo is deemed uninhabitable after a covered loss.
• Identity theft: Pays up to $5,000 of expenses related to restoring your identity and credit score after a fraudulent incident. 
• Special military coverage: Pays up to $10,000 for personal property damage caused by war. Also waives your deductible for damage to military uniforms if you’re an active or deployed member. 
• Medical payments: Pays for medical expenses of guests either injured on your property or as a result of your actions anywhere in the world.

USAA offers mobile home insurance through a third party insurance company. Coverage options include:

• Personal liability: Pays defense and settlement costs if someone sues you for bodily injury or property damage. 
• Personal property: Pays to repair or replace your personal possessions, like clothing and furniture, if it’s damaged or stolen. 
• Dwelling coverage: Pays to repair or rebuild your mobile home after a covered loss, up to the limit set in your policy. 
• Other structures coverage: Pays for covered damage to detached structures on your property, like a fence or carport.

USAA offers extensive farm and ranch insurance for small to medium-sized growers and ranchers. Protect your farm home, property, and liability with coverage for:

• Farm homes: Pays up to 125% replacement cost if your home is damaged by a covered loss. 
• Other structures: Pays to repair or replace detached structures on your property, like barns, silos, pens, fences, etc. 
• Machinery and equipment: Covers borrowed, rented, or leased farming equipment.
• Livestock: Helps pay for farm animals that are stolen or die in a collision.

USAA offers additional farm related insurance coverage for:

• Horses and stables: Covers horses you own or care for that are involved in an accident, injury, or illness. Also provides coverage for stables, equipment, fences, and corrals.
• Vineyards: Provides coverage for product recall expenses and wine leakage or contamination.

USAA offers specialized policies for collectible items, including military memorabilia, stamps and coins, vintages toys and dolls, sports memorabilia, wine, and more. 

Each USAA collectibles policy includes:

• Agreed value coverage: Covers your collectibles for their full insured value, regardless of depreciation. 
• Broad protection: Provides coverage for a variety of risks, including accidental breakage, fire, flood, theft, hurricane, earthquake, and more.
• Inflation guard: Automatically adjusts your coverage to keep up with inflation, at no additional premium cost. Items valued over $2,000 will increase by 2% quarterly and up to 8% annually.

USAA offers up to $1 million in additional personal liability insurance to protect you from lawsuit claims that exceed your homeowners and auto insurance limits. 

Umbrella insurance helps to protect your property, savings, investments, retirement fund, and future wages. It can also pay for legal defense costs.

USAA offers motorcycle, ATV, moped, and scooter insurance coverage through a third-party insurance partner. 

Motorcycle insurance coverage through USAA includes:

• 24-hour roadside assistance
• Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at fault for an accident. 
• Uninsured/underinsured motorist: Pays for your medical bills, lost income, and damages after an accident if the at-fault driver has little or no liability insurance.
• Collision coverage: Pays to repair or replace your vehicle after a collision with another object, or if it rolls over. 
• Comprehensive coverage: Pays to repair or replace your vehicle if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc.

USAA offers boat and yacht insurance coverage through a third-party insurance company. Its boat insurance policies can cover a variety of watercrafts, including sailboats, motorboats, Jet Skis, WaveRunners, houseboats, pontoon boats, and more. 

Standard coverage includes:

• Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at fault for an accident. 
• Personal property: Pays to repair or replace your personal possessions, like clothing and furniture, if it’s damaged or stolen from your boat.
• Uninsured/underinsured boater: Pays for your medical bills, lost income, and damages after an accident if the at-fault boater has little or no liability insurance. 
• Collision coverage: Pays to repair or replace your boat after a collision with another object or boat.
• Comprehensive coverage: Pays to repair or replace your boat if it’s stolen or damaged by fire, wind, hail, flood, vandalism, etc.

USAA offers recreational vehicle insurance for your motorhome, pop-up camper, fifth wheel, slide-on camper, and travel trailer. 

RV coverage options include:

• Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at-fault for an accident while driving or on your vacation campsite.
• Personal property: Pays to repair or replace your personal possessions, like clothing and furniture, if it’s damaged or stolen from your RV or campsite.
• Collision coverage: Pays to repair or replace your vehicle after a collision with another object, or if it rolls over. 
• Comprehensive coverage: Pays to repair or replace your vehicle if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc. 
• Uninsured/underinsured motorist: Pays for your medical bills, lost income, and damages after an accident if the at-fault driver has little or no liability insurance. 
• 24-hour roadside assistance

USAA provides insurance coverage for your classic cars, exotic cars, muscle cars, kits and replicas, street rods, and vintage motorcycles. To qualify for coverage, your car must be stored in an enclosed, locked garage, and only used for minimal pleasure cruising. 

Through a third-party insurance company, USAA provides:

• Agreed value coverage: Covers your car for its full insured value, regardless of depreciation. 
• Mileage plan: Allows a 2,500 mile, 5,000 mile, or 7,500 mile tier for pleasure driving.
• Automatic coverage: Covers vehicles you just purchased for 30 days, up to $100,000.

USAA provides both personal and business aviation insurance, whether you and your aircraft are in the sky or on the ground. 

Aircrafts eligible for coverage include vintage planes, seaplanes, commercial-use drones, and more.

USAA offers small business insurance coverage to protect your employees, property, and livelihood.

Coverage options include:

• Business owners policy (BOP): Combines property and liability insurance to protect your business from risks such as property damage, lost income due to suspended operations, and bodily injury, property damage, personal injury or advertising injury lawsuits. 
• Workers’ compensation: Provides employee benefits and protects your business against work-related injury liabilities.