Armed Forces Insurance Review

Suitable For?

Armed Forces Insurance serves active and ex-servicepeople and members and employees of the Department of Defense. If you meet the strict eligibility requirements, then AFI may be able to provide you and your family with home insurance at a competitive rate. AFI understands the needs of military families better than most, making it a good choice—especially if you own your own home and are regularly away on active duty.

What Coverage Includes

Whether you’re off on active duty or at home, you need protection for your home at all times. It’s a good thing then that AFI offers strong homeowners coverage.

Standard coverage includes:

• Dwelling coverage for all structural elements and permanently attached fixtures
• Coverage for other structures on your property that are not attached to your home
• Coverage for personal property
• Coverage for loss of use
• Personal liability protection
• Coverage for medical expenses (for guests who are accidentally injured on your premises)

Additional Coverage

Homeowners insurance is not a one size fits all kind of insurance. Fortunately, Armed Forces Insurance offers an impressive selection of additional coverage options.

Here’s a rundown:

• Additional amount of coverage
• Personal property replacement cost coverage
• Business property and permitted incidental occupancies
• Equipment breakdown coverage
• Golf cart coverage
• Personal injury protection
• Animal liability 
• Identity theft expense coverage
• Loss assessment coverage
• Scheduled personal property coverage (for things like jewelry, guns)
• Increased ordinance or law coverage (protects you from higher local taxes and fees)
• Coverage for carports, pool cages, and screen enclosures
• Water backup and sump overflow
• Earthquake coverage
• Flood protection

Application Process

You must meet one of the following criteria to be able to join Armed Forces Insurance and purchase coverage for your home:

• Military (active duty, former/separated, retired/disabled, surviving spouse)
• Current military spouse
• Current or retired Department of Defense Employee
• Child of current or formed Armed Forces Insurance member

If you don’t meet any of the above criteria, AFI can still be your agent and provide you with quotes from its partners.

The application process is fairly straightforward and it can all be done online. You’ll be asked to provide details about yourself and your military status. Next comes questions about your home. Finally, you’ll have the opportunity to see a quote and to purchase a policy if you like what you see.

Discounts

When you join Armed Forces Insurance, you get access to competitive rates on homeowners insurance and other forms of insurance. 

Additionally, AFI offers the following discounts and credits:

• Central station burglar and fire alarm discounts
• New home credit
• Gated or guarded community discount
• Building code effectiveness grading credit
• Windstorm mitigation feature credits (i.e. hip roof and hurricane shutters)
• IBHS Fortified for Safer Living Home credit
• New roof credit
• Companion policy credit

How Safe is It?

When you purchase insurance through Armed Forces Insurance, your coverage is underwritten by Armed Forces Insurance Exchange or Armed Forces Insurance Agency. AFI has a B++ rating from A.M. Best, which is considered ‘good’ but not ‘excellent’. Armed Forces Insurance Agency has been around for more than 130 years, making it one of the oldest insurance carriers in the USA.

Claims & Customer Support

One of the benefits of using Armed Forces Insurance for homeowners coverage is that they are constantly by your side. Whether you need help with a quote or a claim, AFI offers quality online and over the phone. The claims process is 24/7 and all claims are handled by professionals claims agents.

Summary

You’ve protected and served your country, so it’s only right you get something back. Armed Forces Insurance exists to provide specialized financial services to current and former members of the MIlitary and Department of Defense. This includes competitive pricing and a high level of coverage for your home.