Homeowners Insurance for Veterans & Military | To ride

Homeowners insurance companies offer discounts for veterans and military


USAA is one of the world’s leading financial institutions and provides financial products and services to current and former military personnel and their spouses. Children of USAA members can also join. USAA is based in San Antonio, Texas with several branches in the US, UK, Germany, and Luxembourg.

Founded in 1922, USAA was founded by 25 military officers and has now become one of the nation’s largest financial institutions. USAA allows members to change their owner’s contribution to create a more affordable price. USAA homeowner’s insurance covers fire, theft, vandalism, most weather-related incidents, crime, and identity theft. USAA offers home security, home equity, personal loans, and other things like closed garages and storage.

Since most employees have to deploy, USAA will cover your home if you rent it while you’re overseas. In addition to covering your home, USAA also covers military uniforms. The policies will also pay for your property at current value, not cheap. USAA is the third largest homeowner’s insurance company in the country, with $7.98 billion in direct written premiums in 2021.

Armed Forces Insurance (AFI)

AFI was founded in 1887 to provide military home owner insurance, military rent insurance, military motor vehicle insurance, and more to their members. AFI serves active, retired, and former military personnel, their families, and employees of the Department of Defense.

Unlike many other insurance companies, AFI is a replacement. This means that AFI policyholders pool their money together to insure themselves and exchange insurance contracts with each other. Policyholders have AFI policies, but another agency oversees the insurance company. This reduces the risk to its members.

AFI homeowner’s insurance covers your home, other buildings on the property, job loss, personal property, debt, and medical care. AFI also provides additional services such as earthquake, flood, animal protection, identity theft, and water conservation. It offers you discounts based on where you live, the type of products you have, and more.


Geico is a national insurance company that offers special military discounts on insurance to members. In addition, Geico offers an Emergency Deployment discount for personnel who enter Department of Defense (DOD) hazardous locations. Founder Leo Goodwin catered to US government employees and the military in 1936, hence the name Geico, which it stands for. Govercompensation Eemployees Metrust Cocompany. Although it has expanded its customer base to everyone, it still has a special program for military members.

If you are active duty, retired, or a member of the National Guard or Reserves, Geico offers a discount of up to 15% off your total insurance premium. Geico also offers insurance discounts to members of other military-related organizations, including AUSA, AFBA, and others. Geico covers property damage, your personal belongings, small amounts of jewelry, personal loans, medical bills, and other losses you may incur in the event of a loss.


Farmers is another national insurance that offers discounts to veterans and those in the military. Farmers offer discounts to other labor groups or labor unions. Founded in 1928 with the goal of providing auto insurance for rural farmers, it is the fifth largest home insurance company with revenues of $7.6 billion. Farmers pay for your home, property, mortgage, and other additional purchases.

Who is eligible for the military discount on homeowner’s insurance?

Insurers that focus primarily on veterans and military personnel do not offer discounts for being in the military, as policies favor these customers. For some insurers, eligibility for the military discount may be different. The most important criteria for eligibility are:

  • Working members
  • Veterans (honorably discharged)
  • Members of the National Guard or Reserve
  • Cadets, midshipmen, or OCS candidates

Some will extend the discount to their former family members and staff members. Others have included Department of Defense (DOD) personnel. Since deductibles can vary, check with different insurers to confirm your eligibility.

VA loans for military members

Veterans and those in active duty may qualify for a Department of Veterans Affairs (VA) home loan. VA loans require no down payment and offer competitive interest rates and credit terms. Renters are required to have homeowner’s insurance. Lenders who offer VA loans can recommend reputable homeowner’s insurance companies.

Although the VA does not offer homeowner’s insurance, it does offer Veterans’ Mortgage Life Insurance (VMLI). VMLI provides home security insurance to disabled veterans and their families. Those who qualify can get up to $200,000 in home life insurance. VMLI is a shrinking insurance. This means that your income goes down as your mortgage goes down. When you pay off your mortgage, your VMLI repayment ends.

Deployment and homeowners insurance

Active duty, National Guard, and Reserve members may be assigned to a combat zone or activated by order. This situation may require a different type of home owner’s insurance than what a home owner will need. Here are two things to consider when choosing home owner insurance.

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Homeowner’s insurance covers your first home. If you have been ordered or have to deliver, then your policy will not apply if your home is vacant for a certain period of time. You can purchase additional coverage for your home or look for a policy that does not include this clause.

Except for war

Homeowner’s policies usually cover the owner’s property wherever it is located. If the law enforcement officer is sent to a hazardous location, however, their property may not be covered. Insurers such as USAA and AFI may not cover this. It is important to confirm whether or not the home insurance company you are considering has this coverage.

How to save on homeowners insurance without a military discount

Homeowners insurance can provide financial peace of mind. Even without military deductions, there are many other ways to save. Here are some common discounts that good home owner insurance companies offer.

Bundling plans

Many homeowner’s companies offer auto, life, and other types of insurance. You can save by purchasing and collecting other insurance products. USAA gives you a 10% discount if you keep home and cars.

Home security and personal protective equipment

You can save money by installing fire alarms, sprinklers, sprinklers, and having windows, walls, roofs, or foundations protected from natural disasters. These steps can make your home safer, which reduces your chances of breaking in or causing catastrophic damage that could lead to serious injury. Some insurance companies also offer discounts for home improvements such as electrical, heating, or new plumbing if you live in an older home.

Automatic payment

Some companies offer discounts if you pay through recurring money transfers.

Smart tools

Some smart home devices, such as smart thermostats, smart lighting, and smart security systems can save you money.

Losing credibility

Some companies lower your rates the longer you stay with them as a customer.

Don’t file any complaints

As with most auto insurance, if you don’t have any claims and are considered a low-risk homeowner, then the company may discount you. Every company is different, but the time limit can range from three to five years. For USAA, you can get a 10% discount if you have no claims for five years or more.


A higher deductible can lead to a lower premium and vice versa. It is important, however, that you have a cash flow that can be withdrawn in case you need to repay the loan.

Homeowners insurance is an important way to protect one of the most expensive things you can buy: your home. If you are a veteran, service member, or family member of one, you are eligible to join companies like USAA or AFI. Some companies offer discounts to members of the military. Get quotes from multiple companies to help you get the best rate, and consider switching homeowner’s insurance companies if you find a better deal.