Homeowners insurance for veterans

If you’re a veteran or on active duty, you have access to top-rated insurance companies like USAA and special military discounts to help you find cheap rates.

Pat Howard 1600Kara McGinley


Pat Howard

Pat Howard

Senior Editor & Licensed Home Insurance Expert

Pat Howard is a senior editor and licensed home insurance agent at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

&Kara McGinley

Kara McGinley

Editor & Licensed Home Insurance Expert

Kara McGinley is an editor and licensed home insurance expert at Policygenius, where she writes about homeowners and renters insurance. As a journalist and as an insurance expert, her work and insights have been featured in Kiplinger, Lifehacker, MSN, WRAL.com, and elsewhere.

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Ian Bloom, CFP®, RLP®

Ian Bloom, CFP®, RLP®

Certified Financial Planner

Ian Bloom, CFP®, RLP®, is a certified financial planner and a member of the Financial Review Council at Policygenius. Previously, he was a financial advisor at MetLife and MassMutual.

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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. 

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Key Takeaways

  • 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 logo

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

Company overview

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

  • Veteran

  • Eligible family member of a military personnel, cadet, or midshipman

  • Children of USAA members 

  • Pre-commissioned officers

How to get a quote

Online through USAA

Armed Forces Insurance

Armed Forces Insurance logo

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

Company overview

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. [1] 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. [2]  

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

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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:

1. Farmers

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.

Read our Farmers homeowners insurance review

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.

Read our Liberty Mutual homeowners insurance review


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

Read our Geico homeowners insurance review

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.

War exclusion

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.

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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:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

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.