Updated: June 23, 2026
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USAA is the best homeowners insurance for veterans, earning a 4.80 out of 5 MoneyGeek score, thanks to a perfect customer experience rating and a monthly premium 31% below the national average.
AIG Insurance is the best runner-up for veterans who prioritize affordability, with a monthly premium of $91, 67% below the national average, and a perfect 5 out of 5 coverage score.
GEICO, Armed Forces Insurance (AFI) and Liberty Mutual also offer homeowners insurance discounts specifically for active-duty military and veterans.
USAA and AIG Insurance are the best homeowners insurance providers for veterans, earning MoneyGeek scores of 4.80 out of 5 and 4.77 out of 5 respectively. USAA ranks first overall on the strength of a perfect 5.00 out of 5 customer experience score and an average annual premium 31% below the national average.
AIG Insurance takes the runner-up spot with the best affordability score among all reviewed providers and an average annual premium of $1,089, 67% below the national average.
Best for Veterans & Military Members
Average Annual Premium
Number of Endorsements
Number of Discounts
Cheapest for Veterans & Military Members
Average Annual Premium
Number of Endorsements
Number of Discounts
Each insurer weights risk, claims history and coverage features differently, which is why home insurance rates vary across carriers even for the same property.
Several major insurers honor military service by offering exclusive savings and flexible coverage options. While the amount and availability of these discounts vary by company and state, the providers below are known for extending benefits to active-duty members, veterans and their families.
Armed Forces Insurance (AFI) | Specializes in serving military members, Department of Defense employees and their families, with customized home coverage and flexible deployment options. |
Provides up to 15% off for active-duty, Reserve and retired military members, along with emergency deployment discounts in select states. | |
Liberty Mutual | Offers military savings on home and auto policies, plus flexible policy management for members stationed overseas. |
Extends discounts for active and retired military personnel in participating states, with options to suspend certain coverages while deployed. | |
Offers savings for military members and veterans through bundling opportunities and occasional state-based discounts. |
Military families have additional variables that standard policies don't address by default: frequent relocations, extended vacancies during deployments and property maintained by others. Several endorsements are specifically designed for those situations.
Replacement Cost Coverage | Provides payment to replace lost or damaged items with new equivalents rather than their reduced, depreciated value, making it a smart choice for military families that relocate frequently. |
Water Backup Coverage | Covers water damage from backed-up drains or sump pumps, which can occur in homes left unoccupied for long periods. |
Extended or Guaranteed Replacement Cost | Provides extra dwelling coverage when rebuilding costs exceed your policy limit, helping protect against inflation or higher construction expenses during deployment. |
Identity Theft Protection | Provides monitoring and recovery assistance if your personal information is stolen, a risk that rises during relocations or overseas service. |
Service Line Coverage | Provides coverage for underground utility lines that need repair or replacement, such as water, gas or electrical systems owned by the homeowner. |
USAA is the best homeowners insurance for veterans, earning a 4.80 out of 5 MoneyGeek score on the strength of a perfect customer experience rating and an average annual premium 31% below the national average. Veterans who want the lowest possible rate should consider AIG Insurance, which costs $1,089 per year on average, 67% below the national average, with perfect scores for both affordability and coverage. GEICO, Armed Forces Insurance and Liberty Mutual also offer military-specific discounts worth comparing before you buy.
Here are answers to common questions about finding the best homeowners insurance options for veterans and military families.
USAA is the best homeowners insurance company for veterans, earning a 4.80 out of 5 MoneyGeek score. It holds a perfect 5.00 out of 5 customer experience rating and an average annual premium of $2,234, which is 31% below the national average for a standard veteran profile. Membership requires active-duty military service, veteran status or an eligible family connection.
AIG Insurance offers the cheapest homeowners insurance for veterans in our analysis, with an average annual premium of $1,089, which is 67% below the national average. It earned a perfect 5.00 out of 5 affordability score and a perfect 5.00 out of 5 coverage score, making it the strongest option for veterans whose primary concern is cost without sacrificing coverage breadth.
No. USAA homeowners insurance is available only to active-duty military members, veterans and their immediate family members, including spouses and children. If you don't meet those eligibility requirements, AIG Insurance, GEICO and Liberty Mutual are strong alternatives that offer competitive rates and military-specific discounts without membership restrictions.
Yes. GEICO, Armed Forces Insurance and Liberty Mutual all offer homeowners insurance discounts specifically for active-duty military members and veterans. The savings and eligibility requirements vary by carrier and state, so comparing quotes across multiple providers is the most reliable way to find the best rate for your profile.
Military families benefit most from coverages that address the unique risks of service life. USAA's Special Coverage for Military waives deductibles on personally owned uniforms and gear for active-duty members. Its Wildfire Response program deploys certified firefighters at no extra cost in qualifying states, and its Water Backup coverage protects against sewage and sump pump overflow, a frequent and costly source of home damage. Earthquake coverage and Home Protector, which adds 25% above your dwelling limit when rebuilding costs exceed your policy cap, are worth considering for families in high-risk areas.
Your homeowners insurance policy stays active during deployment, but leaving your home vacant for an extended period can create coverage gaps. Many standard policies limit or exclude coverage for homes left unoccupied beyond 30 to 60 days. USAA's policies are designed with military deployment in mind and address vacancy scenarios that standard civilian policies don't. If you're deploying, contact your insurer before you leave to confirm your vacancy terms and ask about any deployment endorsements that close coverage gaps while you're away.
MoneyGeek analyzed homeowners insurance quotes from carriers across the U.S. using rate data from Quadrant Information Services, weighting factors most relevant to military families: affordability, coverage quality and flexibility during deployment or relocation. Quotes are based on a standard homeowner profile with good credit (769 to 792), a wood-frame home built in 2000 with a composite shingle roof, and coverage limits of $250,000 dwelling, $125,000 personal property, $200,000 personal liability and a $1,000 deductible. We also gathered data for higher-value homes using $1 million in dwelling coverage, $500,000 in personal property coverage and $1 million in liability coverage.
Learn more about MoneyGeek's home insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
