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Homeowners insurance for military and veterans
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best home insurance companies for military and veterans
While the best homeowners insurance for military and veterans is going to be a highly personal choice, we found a few providers that stand out from the pack. USAA, Armed Forces and Lemonade offer home insurance solutions that may work well for military members, veterans and their eligible family members. Depending on your home insurance needs, you may want to request quotes from these three companies.
BEST HOME INSURANCE COMPANY OVERALL (TIE)
4.8
Avg. premium for $300K dwelling
$104/mo
Avg. premium for $300K dwelling
$1,251/yr
Customer satisfaction
746/1,000
-
USAA is one of the highest-rated home insurance companies on the market. The company also tied, for the second year in a row, as the Best Home Insurance Company Overall in the 2024 and 2025 Bankrate Awards. USAA has excellent customer service ratings, good coverage options and low-cost policies (on average) that include coverage for perils like fire, theft and windstorms, as well as identity theft coverage, earthquake coverage, home sharing coverage and no-deductible coverage for military uniforms. Plus, your personal property is automatically insured at replacement cost value at no extra charge.
4.6
Avg. premium for $300K dwelling
$164/mo
Avg. premium for $300K dwelling
$1,972/yr
Customer satisfaction
Not rated
-
Armed Forces Insurance (AFI) is another insurance provider that caters specifically to military personnel and veterans. Like USAA, policies are only available to qualifying military members, veterans and their qualifying family members. Homeowners insurance policies from Armed Forces Insurance include coverage for your dwelling and personal belongings, plus liability insurance, medical payments and loss of use coverage. Armed Forces Insurance also offers a variety of optional coverage for everything from golf carts to identify theft. Its average rates are also lower compared to the national average.
Best for digital experience
3.3
Avg. premium for $300K dwelling
Not available
Avg. premium for $300K dwelling
Not available
Customer satisfaction
Not rated
-
If you're interested in a more technology-driven approach to home insurance, consider Lemonade. Though it only offers home insurance in 23 states and Washington, D.C., it stands out thanks to its user-friendly mobile app and quick claims processing (assuming the claim is approved). This might be ideal if you are seeking the convenience of managing your home insurance policy from anywhere and want to have your claims handled without requiring lots of contact from company agents.
Home insurance discounts for military members and veterans
If you are looking for cheap home insurance, it is possible to find a home insurance company that offers discounts for military members and veterans, even outside of the companies we reviewed above. Here are some insurance companies that offer military discounts:
- Geico: If you are affiliated with any branch of the military, you might qualify for a home insurance discount through Geico. The company’s website states that military personnel and National Guard/Reserve personnel can qualify for a discount of up to 15 percent on their premium. You can also get a discount for going on emergency deployment, or being a member of a professional military association, like the Association of the United States Army (AUSA).
- Farmers: Through Farmers’ affinity discount, military members may be eligible for a discount on their home insurance policy. According to Farmers’ website, members, employees and retirees of certain businesses, groups and professional associations can get a lower premium. We recommend contacting a Farmers agent to find out if any military-specific membership groups qualify.
- Liberty Mutual: Liberty Mutual uses Military Connect to offer qualifying home and car owners an extra discount when they bundle home and auto. Online, Liberty Mutual states that you can save 12 percent or more with a military bundle, but that the discount is not available in AK, CA, HI, MT, WY, NC, ND, NY and SD.
VA homeowners insurance
If you purchased your home with a VA loan — a special home loan for military members backed by the U.S. Department of Veterans Affairs (VA) — you won’t have to worry about mortgage insurance. But, you may still be required to carry home insurance.
The VA does not have its own home insurance product. However, your VA-approved mortgage lender may offer some guidance on the best home insurance for veterans. Remember, VA loans are not given directly from the VA to a borrower; they are serviced through banks and other financial lending institutions. When finalizing your VA loan, it’s a smart idea to ask your bank about how much coverage you need and if they have relationships with reputable home insurance companies in your state.
What happens to my homeowners insurance if I am deployed?
Official military deployment could affect your homeowners insurance coverage and your premium. Many home insurance policies include two clauses that place certain limitations on your coverage when you get deployed overseas, or even to another state. Here’s what to look out for:
- Occupancy clause: Home insurance policies typically only apply to primary residences where at least one person is living at all times. If you get deployed for more than a month and no one else is living in the home, your coverage may become invalid. Vacant homes pose higher risks to home insurance companies; homes without occupants could have an ongoing issue that does not get reported in time before expensive damage is caused and can be a target for burglary or vandalism. Military-specific insurance companies, like USAA, are less likely to have this clause. If your policy explicitly states that it will not cover your home while you are deployed, ask your home insurance company about an endorsement to insure your home during the vacancy.
- War zone exemption: The other clause to be aware of is the war zone exemption. Your home insurance policy will cover your personal belongings anywhere in the world, but there may be an exception for war zones. Depending on where you get deployed, your home insurance policy might not cover the personal items you take with you. Most military-specific insurance companies, like USAA and Armed Forces, will not have this exemption.
Other than those two clauses, you’ll want to set up autopay before you’re deployed to help avoid a coverage lapse. Or, see about paying your premium for six-months or a year at a time.
Frequently asked questions
