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.

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our editorial standards and how we make money.

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) or special homeowners insurance military discounts. 

Homeowners insurance is required for most types of mortgages — the Veterans Association (VA), for example, will require that you get enough homeowners insurance to cover the loan amount. Home insurance rates depend on a variety of factors, like your home’s age and build, but there are many ways you can utilize your status as a veteran or active-duty member to make your coverage both high quality and affordable.

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. Like most types of mortgages, VA loans also require that you get homeowners insurance and keep the home insured throughout the life of the loan. 

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.

Ready to shop home insurance?

Start calculator

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 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.

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.

USAA eligibility requirements, 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

Armed Forces Insurance

Armed Forces Insurance (AFI) is a much smaller company than USAA but offers much of the same coverage and perks. Like USAA, there are requirements in order to qualify for membership.

AFI eligibility requirements, 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

Homeowners insurance companies that offer military and veteran discounts

Several insurance companies 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. 

Here’s a list of companies that provide discounts for military personnel. (Keep in mind that some discounts aren’t available in every state. Be sure to check with your insurance company to see if the following discounts apply to your policy.)

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 indicates on their website that they offer a military discount to veterans and those who currently serve in the military.


According to the GEICO 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%.

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. 

Keep the below conditions in mind when shopping for coverage:

Vacancy or occupancy clause

Most homeowners insurance policies won’t cover the home if it’s been vacant or unoccupied for greater than 30-60 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. 


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 around $1,200 a year on average. There are a number of factors that can affect your rates, including your home’s construction, age, and location, as well as your credit history and insurance score.

More about

Homeowners Insurance

Homeowners insurance premium, explained

Your homeowners insurance premium is the annual amount you pay to your insurance company to keep your policy active. Read on to learn more about how your insurance premium is calculated and different ways to pay.

Read more

Can I pause my homeowners insurance payments?

Your insurance company won’t let you pause insurance payments and maintain coverage on your home, but extended grace periods and flexible payment options may be available if you were impacted by COVID-19.

Read more

Cheapest homeowners insurance companies of 2022

Plymouth Rock, Acuity, Swyfft, and Farmers topped our list of the most affordable home insurance companies.

Read more