Do I need Flood Insurance?
Flood insurance coverage is not typically included in a regular homeowner policy. Wondering if you really need Flood insurance, and how to justify the extra expense? This article's for you.
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Protect your home with a Homeowner policy from Armed Forces Insurance
You worked hard to get your home, and it's likely your biggest investment. So, naturally, you want to protect it. That's why Armed Forces Insurance offers a comprehensive homeowner insurance package that protects your dwelling, personal property and personal liability.
Why insure with AFI?
Protecting the homes of our military is an honor. We work hard to reflect your commitment to duty, honor and integrity, and we'll work just as hard for you. With AFI you'll get a personal insurance agent dedicated to you, coverage plans built with the unique needs of the military in mind, and flexible options to protect your home and budget.
Not military? Not a problem!
Active-duty, veterans and their families are eligible for AFI membership. We also shop top carriers for anyone who wants great rates and service.
What does a homeowners insurance policy cover?
Dwelling & Other Structures
Dwelling coverage covers your house and other permanent structures on your property from damage caused by fire, severe weather, and other covered perils.
Personal Property
Personal property coverage helps pay to repair or replace furniture, clothing and uniforms, electronics, tools, and other belongings if they're destroyed in a covered loss.
Loss of Use
Coverage for necessary additional living expenses that you incur if your home is damaged by a covered loss requiring you to reside elsewhere during the repairs, up to your policy's limits.
Liability & Medical
Personal liability coverage helps protect your assets if you or your family members are liable for someone else's damage or injuries. Medical coverage covers medical expenses for guests who are accidentally injured at your home.
Homeowner insurance for your unique needs, from a company you can trust.
Our agents work to understand your unique needs so they can help you get the coverage that fits your life and home. Specifically, AFI agents can:
- Explain your home insurance coverage options
- Find discounts to save on your home insurance premium
- Help you understand the home claims process
Additional coverages with the military life in mind.
Homeowner insurance isn't a “one size fits all” policy. That's why you have an option to add additional coverages that allow you to customize your policy to your unique needs.
- Earthquake coverage
- Covers damage and loss caused by an earthquake.
- Flood coverage
- Homeowner policies exclude flood damage. Get flood coverage to protect yourself from one of the most common natural disasters in the U.S.
- Animal liability coverage
- Protects you in the event of damages or injuries caused by your dog or other pet that you own.
- Identity theft expense coverage
- Helps pay for expenses incurred resulting from identity fraud.
- Water backup and sump overflow coverage
- Covers additional causes of water damage including water that backs up through sewer or drains or overflows or is discharged from a sump pump.
- … and many more
- An AFI agent can help identify which coverages would benefit you.
Save more with discounts and credits.
Many credits and discounts may be available on your homeowner policy. These include:
- Central Station Burglar and Fire Alarm Discounts
- New Home Credit
- Gated or Guarded Community Discount
- Building Code Effectiveness Grading Credit
- Windstorm Mitigation Feature Credits
- New Roof Credit
- Companion Policy Credit
- Hurricane Mitigation Discounts
(available to Florida homeowner policyholders)
Get a free homeowner quote
Let us help you protect what matters most.
Get your free quote in minutes.
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Insurance products are provided by Armed Forces Insurance Exchange (AFIE), Armed Forces Insurance Agency (AFIA) and its affiliated partners. All policies and endorsements are subject to underwriting approval. Coverages, deductibles, limits, and discounts vary by state.