Insurance
Homeowners Insurance
Homeowners insurance can help protect a home, personal belongings, and personal liability. Covered causes of loss, deductibles, and exclusions depend on the policy.
What to consider
- 01Compare dwelling limits with the cost to rebuild, not only the purchase price.
- 02Review personal property limits, deductibles, and additional living expense coverage.
- 03Ask about separate flood coverage and exclusions for vacancy or renting out your home.
Through a military lens
Before a PCS or deployment, tell your insurer if the home will be unoccupied, rented out, or managed by someone else. A change in occupancy may require different coverage.
Questions, answered
Does homeowners insurance cover flooding?
Standard homeowners policies generally exclude flood damage. Ask about a separate flood policy.
Should I update my policy after a PCS?
Yes. Discuss changes in location, occupancy, property use, and household belongings with a licensed professional.
Draft educational guidance for owner and factual review before publication. Policy terms, exclusions, and state requirements vary. MilitaryInsure is not a carrier or licensed insurance agency and does not provide individual insurance advice.