Veterans and active-duty personnel have a number of options when purchasing homeowners insurance, like membership with top-rated insurers like the United States Automobile Association (USAA) and special homeowners insurance military discounts. Homeowners insurance is required for most types of mortgages — for example, the VA requires every borrower to purchase enough homeowners insurance to cover their home loan amount.
Veterans and active-duty personnel have access to a number of homeowner-related benefits, like VA loans and membership with USAA.
Members of the military may also be eligible for special homeowners insurance policy discounts.
Be sure to check your policy and make any necessary updates to ensure your home is adequately covered while you’re deployed.
Does the VA offer homeowners insurance?
One of the overarching benefits of a service member and veteran status is access to VA loans, which are mortgages that require no down payment and typically have a low interest rate. While the VA itself doesn’t offer homeowners insurance, the mortgage lender servicing the VA loan may recommend insurers or have relationships with certain providers.
Like most types of mortgages, VA loans require that you get homeowners insurance and keep the home insured throughout the life of the loan.
Best homeowners insurance companies for veterans
Many homeowners insurance companies offer military-specific discounts, however there are a couple of insurers that cater exclusively to veterans, active-duty members, and their families: USAA and Armed Forces Insurance (AFI).
USAA's robust coverages and high marks for customer service and claims satisfaction make it a solid home insurance option for military members and their families.
Score discounts for zero claims, being a loyal USAA member, opting into e-billing, and more
Base policy includes coverages that cost extra with most other companies
Offers earthquake coverage — which is hard to come by
Get discounted home security systems and a discount on premiums through its partnership with ADT
Industry-best customer service and claims satisfaction ratings
Only available to military families
Doesn’t offer extended or guaranteed replacement cost dwelling coverage
USAA has over $150 billion in total assets and is one of the largest insurance companies around. With USAA, you can get homeowners insurance, condo insurance, car insurance as well as financial services like banking and investments.
Why USAA is best for veterans
USAA homeowners insurance, in particular, is among the best in the industry, featuring a full suite of flexible coverage options at competitive rates with excellent customer service and impeccable claim satisfaction ratings with J.D. Power.
One particular coverage perk for active-duty members is military uniform coverage, which covers enlisted members’ uniforms if they’re damaged while on active or reserve duty. USAA doesn’t charge a policy deductible for damaged uniform claims.
The company also offers affordable rates. A homeowners policy with $300,000 in dwelling coverage costs on average $1,432 per year with USAA — over $450 cheaper than the national average of $1,899.
USAA membership eligibility requirements
You’ll likely qualify for membership with USAA if you fit one of the following, according to the USAA website:
Active duty military personnel
Member of the National Guard or Reserve
Eligible family member of a military personnel, cadet, or midshipman
Children of USAA members
How to get a quote
Online through USAA
Armed Forces Insurance
Armed Forces Insurance offers home, auto, and renters insurance to veterans and military-affiliated individuals.
Additional coverage options and upgrades like replacement cost coverage for personal property, equipment breakdown coverage, and water backup coverage
Offers both flood coverage and earthquake coverage
Discounts for installing burglar alarms, living in a gated community, installing a new roof, and more
Only available to veterans and military-affiliated families
Armed Forces Insurance (AFI) was founded in 1887 and offers homeowners, renters, and auto insurance. The company scored a 3.9 out of 5 stars from Consumer Advocate — which is considered “very good” on their rating scale.  And although AFI is a much smaller company than USAA, it offers much of the same coverage and perks.
Why AFI is best for veterans
An AFI homeowners insurance policy costs on average $1,513 per year for $300,000 in dwelling coverage — which is a few hundred dollars cheaper than the national average.
The company offers upgrades and coverage add-ons, like replacement cost coverage for personal property, earthquake coverage, and flood coverage. You can even qualify for discounts if you live in a gated community or install safety features like burglar alarms and cameras. 
AFI membership eligibility requirements
You’ll likely qualify for membership with AFI if you fit one of the following, according to the AFI website:
Active-duty, retired or honorably discharged military, including National Guard, Reserves, and Coast Guard
Active or retired Department of Defense civilian employee
Service Academy including Merchant Marine or ROTC cadet
Spouse or child of a current or former AFI member
Active, retired or former commissioned officer of the NOAA or PHS
Former spouse of a current or former AFI member
How to get a quote
Online through AFI or over the phone
Homeowners insurance companies that offer military and veteran discounts
Several insurance companies in different states offer discounts on your homeowners insurance rates based on your profession, including if you’re an active-duty member of the armed forces or a veteran.
You might want to start your search with one of these popular companies that offer military discounts:
One way to trim your premiums with Farmers is through its affinity discount, which provides a discount for employees, retirees, and members of approved businesses and professional groups in your state. Military personnel and veterans of the armed forces are among the discount-eligible professions.
2. Liberty Mutual
Liberty Mutual also offers a military discount to veterans and those who currently serve in the military, according to the Liberty Mutual website.
if you’re on active duty, a veteran, or a member of the National Guard or Reserves, you may be eligible for a military discount of up to 15%, according to the GEICO website
Does being deployed affect your homeowners insurance?
There are a couple of stipulations found in most homeowners insurance policies that may impact deployed service members’ coverage.
Look for any of these two clauses in your policy when you’re shopping for home insurance.
Vacancy or occupancy clause
Most homeowners insurance policies won’t cover your home if it’s been vacant or unoccupied for greater than 30 to 60 days. Check with your insurance company to see if they offer a separate vacant and unoccupied home insurance policy or endorsement that can activate once you’re deployed for service.
Most standard homeowners insurance policies list “acts of war” as an excluded peril in the policy. That means if you’re deployed and your personal belongings are destroyed by combat overseas, your insurer won’t pay out for the loss.
Check to see if your insurance company offers an exemption to this peril for members of the military. As we touched on earlier, USAA offers uniform and war zone coverage for deployed service members.
Our team of licensed insurance experts at Policygenius selected the best homeowners insurance for veterans by analyzing companies based on the following criteria:
Coverages and programs that cater specifically to veterans and the military
Strong customer satisfaction ratings and reviews
Competitive rates compared to the national average
To find these rates, we analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:
Other structures: $30,000
Personal property: $150,000
Loss of use: $60,000
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Frequently asked questions
Is USAA for veterans only?
No. You’re eligible for USAA membership if you’re on active duty, enlisted in the National Guard or Reserve, a veteran, an eligible family member of military personnel, an eligible family member of a USAA member, or a cadet or midshipman.
What is covered by a standard homeowners policy?
A standard homeowners insurance policy covers the structure of your home, personal belongings, personal liability, and additional living expenses if a disaster makes your home uninhabitable. Homeowners insurance protects your home from common hazards like fire, burst pipes, and weather-related damage.
How much does homeowners insurance cost?
Homeowners insurance costs $1,899 a year on average. But keep in mind there are many factors that can affect your rates, including your home’s construction, age, and location, as well as your credit score and insurance claims history.