All coverages are subject to the terms and conditions of your policy. Applications for insurance are subject to underwriting by the applicable insurance company. Products, availability, coverages, and terms vary by state and exclusions apply. Any product or coverage descriptions are brief and are informational only. Each company is solely responsible for its insurance products. Small Business Insurance is underwritten by Garrison Property & Casualty Insurance Company, San Antonio, Texas ("Garrison"), or is underwritten by insurance companies that are not affiliated with United Services Automobile Association (USAA) ("third-party insurance companies"). If you need additional flood insurance coverage beyond these amounts, you can contact USAA Insurance Agency which works with other insurance companies that provide excess flood coverage. The maximum limits of coverage available on the federal flood policy for residences are $250,000 on the building and $100,000 on contents. Flood insurance can be purchased separately through the National Flood Insurance Program. The typical homeowners or rental property insurance policy doesn't include flood coverage, and in some locations, you may also need to obtain a wind-only insurance policy. The National Flood Insurance Program USAA-GIC is not available in Guam, U.S.
The Federal government has financial responsibility for underwriting losses. The National Flood Insurance Program is not underwritten by United Services Automobile Association (USAA) or its affiliates based in San Antonio, Texas, and is provided by USAA General Indemnity Company (USAA-GIC), through an arrangement with the Federal Emergency Management Agency. But USAA Rental Property Insurance premiums are usually lower than our homeowners insurance. If you have homeowners insurance and need coverage for the ones you rent out, other companies typically charge more for landlord insurance. The age and location of your property, its building materials and how many units there are can all affect your premium. Landlord insurance costs depend on a variety of factors. Our policy can cover you if you rent your place to long-term tenants or through vacation rental sites like Airbnb or Vrbo®. It also helps provide liability coverage if you're held responsible for someone else's injuries or property damage. That includes most weather-related damage, fire, vandalism and accidental water damage. Like homeowners insurance, it can help pay to repair or rebuild your rental if it's damaged or destroyed by something covered by your policy. USAA Rental Property Insurance, also known as landlord insurance, helps protect the properties you own but rent out to others.
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